21bitcoin vs OKX Comparison
In our overall rating OKX leads with 4.5 out of 5 points, ahead of 21bitcoin with 4.0. On disclosed fees OKX is cheaper: € 2.00 instead of € 12.90 per €1,000 purchase. If you care most about usability, features, and fees, OKX has the better sub-scores, and the two are level in the other areas.
| 1.29 to 1.49 % | Fees | 0.2 % |
| € 12.90 | Minimum cost per €1,000 | € 2.00 |
| 1 | Cryptos | 280+ |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 12.90 | Minimum cost per €1,000 | € 2.00 |
| 1.29 to 1.49 % | Fees | 0.2 % |
| € 0.75 | Wallet transfer | € 1.08 |
| Yes | Cost transparency | Yes |
| € 15 | Minimum Amount | ~$10 USD |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
On disclosed fees you pay €10.90 less at OKX per €1,000 purchase.
Not enough reviews available.
OKX Europe charges spot fees by account type: the spot-only account costs 0.10% maker and 0.20% taker in the base tier, the spot and derivatives account 0.08% and 0.10%.
| Transaction | Cost at OKX Europe |
|---|---|
| Spot trading, spot-only account, regular user | 0.10% maker, 0.20% taker |
| Spot trading, spot and derivatives account, regular user | 0.08% maker, 0.10% taker |
| VIP 1 in the spot and derivatives account (from EUR 100,000 assets or EUR 1m volume in 30 days) | 0.0675% maker, 0.08% taker |
| Zero-fee pairs | selected spot pairs at 0% maker and taker |
| Crypto withdrawals | network fee per coin |
How to save: On a EUR 1,000 buy as a taker, the spot-only account costs EUR 2 and the spot and derivatives account EUR 1. Limit orders as a maker are cheaper in both account types. See how OKX compares in our crypto exchange comparison.
Fees as of 21 October 2026 according to the OKX Europe fee page.
Pros & Cons
- Transparent service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8, 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
- MiCA, MiFID II and payment institution licences via OKX Europe in Malta
- Spot fee of 0.20% taker on a spot-only account, 0.10% with a derivatives account
- Total costs of €2.00 per €1,000
- Proof of reserve is provided
- Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
- Savings plan via recurring buy (daily to monthly) and staking available
- Selection of 280+ cryptocurrencies is room for improvement compared with some competitors
- KYC process with eID and photo ID is occasionally criticized as time-consuming
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.
According to the analyzed user reviews, OKX is mentioned by many users for its intuitive app, easy usability, and wide range of coins. At the same time, users also report critical experiences with support, as well as occasionally with blocked accounts or blocked withdrawals.
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
| available | Savings plan | available |
| not available | Staking | available |
| available | Wallet transfer | available |
| available | Automatic wallet transfer | not specified |
| not available | Credit card payment | not specified |
| available | FMA regulation (Austria) | not specified |
| not available | Web platform | available |
| available | Mobile app (iOS/Android) | available |
| available | SEPA instant transfer | not specified |
| not specified | Cost transparency | available |
| not specified | 2FA security | available |
| not specified | Anti-phishing code | available |
| not specified | Passkey login | available |
| not specified | Wallet whitelist | available |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8
- Deposits via SEPA and SEPA instant transfer
- One of the first exchanges with a MiCA license in the EU
- Total costs of €2.00 per €1,000 on a spot-only account
- Proof of reserve available for transparency
- Express purchases via PayPal, Apple Pay, and Google Pay possible
- Minimum investment from just 1 €
- Futures and spot margin up to 10x, tokenized stocks and ETFs
- OKX Shield: protection against third-party account takeovers, up to €500,000 depending on account tier
- OKX Card (Mastercard) with no monthly or annual card fee
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.
When it comes to fees, users report a mixed impression: on the one hand, low costs are mentioned; on the other hand, some users perceive the fees as high. According to reviews, the perception of costs from the user perspective apparently depends on usage and transaction type.
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.
According to reviews, users at OKX especially appreciate the intuitive app, the easy handling, and the clean interface. In everyday use, the platform is described by many as easy to understand. Occasionally, users also would like a German-language interface and a landscape mode.
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.
According to user reviews, the range of coins and features is viewed positively by many. Users report that the platform is experienced as versatile and offers different use cases. Occasionally, users would like more fiat options, additional bot options, and adjustments to the withdrawal whitelist.
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.
Regarding stability and reliability, users report in some cases smooth usage and in other cases problems related to accounts or withdrawals. In the reviews, blocked accounts and blocked withdrawals are occasionally mentioned. Overall, the user data does not present a uniform picture.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
The user reviews of support are mostly critical. Users report slow or unanswered replies, and occasionally describe customer service as not helpful or as not being perceived at all. In addition, several users would like better support in German.
Details
| FIOR Digital GmbH | Company | OKX Europe Ltd |
| 2021 | Founded | 2017 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
| € 15 | Minimum Amount | ~$10 USD |
| Photo ID | KYC | eID, Photo ID |
Verdict
In our overall rating OKX leads with 4.5 against 4.0 for 21bitcoin.
On disclosed fees you pay €10.90 less at OKX per €1,000 purchase.
For most investors OKX 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. On one-off purchases the provider charges a service fee of 1.29% to 1.49%, and in the savings plan no service fee applies from day 8. 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.
OKX is considered one of the first crypto exchanges with a fully fledged MiCA license in the EU and is valued for combining regulatory compliance with low fees. With a 0.20% taker fee on a spot-only account, or €2.00 per €1,000, OKX is among the cheapest providers in the comparison. The availability of proof of reserves is positively viewed by security-conscious users. OKX's European offering now also includes futures up to 10x, tokenized stocks and ETFs, a recurring-buy savings plan and the OKX Card.
The selection of 280+ cryptocurrencies is room for improvement compared with some competitors with over 600 coins. The KYC process with eID and photo ID is also occasionally criticized as time-consuming. However, the extensive payment methods — including PayPal, Apple Pay, and Google Pay — are seen as practical.
OKX is particularly suitable for cost-conscious investors who prefer an EU-regulated platform with a MiCA license and low trading fees and are willing to make compromises on coin selection.