21bitcoin vs Gate.io Comparison
| 0.79 % | Fees | 0.2% spot (0.15% with GT) |
| € 7.90 | Cost for €1,000 | — |
| 1 | Cryptos | — |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | — |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA licence via MFSA (Malta) |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.90 | Cost for €1,000 | — |
| 0.79 % | Fees | 0.2% spot (0.15% with GT) |
| € 0.75 | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 15 | Minimum Amount | ~$10 USD |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | — |
Pros & Cons
- Transparent fees from 0.79% with no ongoing account charges
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC
- Automatic transfer to your own wallet above defined thresholds
- Savings-plan standing orders are invested in Bitcoin as soon as they arrive
- FMA-licensed as a virtual asset service provider in Austria
- Bitcoin only – the lack of altcoins is criticised by some users
- Two-factor authentication needs work, according to users
- The €15 minimum order is higher than at some competitors
- 1,700+ coins – one of the largest selections worldwide
- MiCA CASP and payment licences (MFSA Malta)
- Low fees from around 0.1%, with GT discounts
- Early access to new listings
- The interface is overwhelming for beginners
- Thin liquidity on very small coins
- Support is primarily in English
Score Comparison
User Experiences
AI AnalysisUser reviews paint a broadly positive picture of 21bitcoin. What owners value most is the clean, intuitive app and how easy it is to use, while individual voices see room for improvement on fees and on the feature set.
This analysis is based on 608 user reviews analysed by AI from the Apple App Store, Trustpilot and the Google Play Store. The total number of reviews on each platform may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Fees from 0.79% with full cost transparency
- Deposits via SEPA and SEPA instant transfer
- The altcoin-selection champion, now with a MiCA licence
The five areas head to head
AI AnalysisFees & Costs
On fees and costs the picture is mixed. Users describe the pricing as fair, though some point to costs they consider high. A few also note that the tax side has to be organised by the user, and that the resulting tax burden feels heavy.
Spot: from around 0.1% maker/taker, with discounts when paying in GT. Futures fees are lower (as of July 2026).
Usability & User Experience
Reviewers frequently describe the app as intuitive, uncluttered and self-explanatory, and ease of use is the single most praised aspect. A few users report problems getting into their account, but overall usability comes across positively.
Not enough reviews available.
Features & Offering
The savings plan is the feature users appreciate most. At the same time they ask for more in several places: additional coins, more savings-plan options, price notifications, a wallet inside the account and limit orders. Weekly DCA is mentioned occasionally as well.
Not enough reviews available.
Stability & Security
On stability and reliability, users mostly report trouble-free day-to-day use and describe the app as dependable. Access issues come up occasionally and are the one area some users would like to see improved.
Not enough reviews available.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
Not enough reviews available.
Details
| FIOR Digital GmbH | Company | Gate Technology Ltd |
| 2021 | Founded | 2013 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA licence via MFSA (Malta) |
| € 15 | Minimum Amount | ~$10 USD |
| Photo ID | KYC | — |
Verdict
In our overall rating 21bitcoin leads with 4.0 against 3.7 for Gate.io.
For most investors 21bitcoin is therefore the better choice.
21bitcoin has established itself as an Austrian Bitcoin app across German-speaking Europe, valued above all for a transparent fee structure starting at 0.79%. The provider is licensed by Austria's Financial Market Authority (FMA) as a virtual asset service provider and deals exclusively in Bitcoin. Users single out the automatic transfer to a personal wallet above defined thresholds as a genuinely useful security feature.
The savings-plan approach is refreshingly uncomplicated: standing orders are invested in Bitcoin as soon as the money arrives, and the flat wallet-transfer fee of 0.00001 BTC is widely seen as fair. For investors in Austria, Germany and Switzerland looking for an FMA-regulated alternative to the Swiss Bitcoin apps, 21bitcoin reads as a solid option. Total costs of €7.90 on a €1,000 trade sit in the middle of the field.
Because Bitcoin is the only asset on offer, 21bitcoin is not aimed at investors who want a broad crypto portfolio – a limitation some users do point out. The absence of two-factor authentication in the app and the €15 minimum order also leave room for improvement. That makes 21bitcoin a good fit for Bitcoin-focused investors in German-speaking Europe who care about cost transparency, automatic wallet transfers and Austrian regulation.
If you want early access to new and obscure coins, few venues come close to Gate.io – and it now has a genuine MiCA basis out of Malta. The platform is powerful but can feel overloaded for newcomers; for experienced altcoin traders it is one of the more interesting regulated options as of July 2026.