21bitcoin vs Revolut Comparison
| 1.29 to 1.49 % | Fees | 1.49 % |
| € 12.90 | Minimum cost per €1,000 | € 14.90 |
| 1 | Cryptos | 300+ |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, 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 regulation through RT Digital Securities Cyprus Ltd. (RTDSCL) in Cyprus by CySEC with registration number 001/22 |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 14.90 |
| 1.29 to 1.49 % | Fees | 1.49 % |
| € 0.75 | Wallet transfer | € 1.49 |
| Yes | Cost transparency | No |
| € 15 | Minimum Amount | € 1.50 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
On disclosed fees you pay €2.00 less at 21bitcoin per €1,000 purchase.
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
- More than 300 tokens tradable, the widest selection among the brokers compared here
- Transfers to your own wallets are possible
- Staking and recurring investments available
- Deposits via SEPA, SEPA instant transfer and credit card
- MiCA authorisation held by Revolut Digital Assets (Europe) Ltd, CySEC licence CASP001/25 of 20 October 2025
- Biometric verification for withdrawals as a security feature
- The exchange fee depends on the subscription plan and trading volume. On its crypto page Revolut states only “from 0 %”; no standard fee is given there
- According to Revolut, exchange rate and subscription fees apply on top
- Cost transparency at the transaction confirmation has room for improvement, according to users
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.
Based on the analyzed user reviews, Revolut presents an overall predominantly positive picture. Users especially appreciate the clear, intuitive app and often report that it is easy to use, while support and individual features are described in reviews as having room for improvement in some cases.
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 | ✓ |
| ✓ | MiCA regulation | ✓ |
| ✓ | Biometric security | ✓ |
| ✓ | SEPA Instant Transfer | ✓ |
- 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
- Over 300 tradeable cryptocurrencies
- Crypto, card payments, transfers, and currency exchange in one app
- MiCA-regulated via CySEC-registered subsidiary
- Wallet transfer and staking available
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.
Users provide only a few concrete experiences regarding fees and costs. Revolut is occasionally perceived as more expensive than N26. Overall, this area can only be assessed to a limited extent based on the available user data.
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.
Users especially appreciate Revolut's clear and intuitive app. According to reviews, it is very easy to use, and the interface is repeatedly described as fast and straightforward. However, some users occasionally report display or compatibility issues, which means usability is sometimes seen as having room for improvement.
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.
When it comes to features, users report mixed experiences. According to reviews, individual services are used gladly in everyday life, while some users would like familiar functions, cashback programs, or additional options such as cash deposits. It is also occasionally criticized that certain features do not work as expected or that advantages could be removed in the future.
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 a mostly positive experience with Revolut. According to reviews, the app is repeatedly described as fast and reliable, which is appreciated by many users in everyday use. However, account issues or features not working as expected are occasionally mentioned; overall, though, feedback on reliability is largely positive.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
When it comes to support, users speak rather cautiously about their experiences. According to reviews, it is occasionally criticized that bot support is offered instead of human help and that not every case is covered sufficiently. As a result, some users feel that support has room for improvement in certain situations.
Details
| FIOR Digital GmbH | Company | Revolut Ltd. |
| 2021 | Founded | 2015 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA regulation through RT Digital Securities Cyprus Ltd. (RTDSCL) in Cyprus by CySEC with registration number 001/22 |
| € 15 | Minimum Amount | € 1.50 |
| Photo ID | KYC | Photo ID |
Verdict
In our overall rating Revolut leads with 4.3 against 4.0 for 21bitcoin.
On disclosed fees you pay €2.00 less at 21bitcoin per €1,000 purchase.
For most investors Revolut 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.
Revolut is considered one of the most versatile financial apps in the DACH region and is popular with users who want to manage crypto, banking, card payments, and currency exchange in a single application. With more than 300 tradeable cryptocurrencies, Revolut offers by far the broadest coin selection among the brokers compared here. The crypto business sits with the Cypriot entity Revolut Digital Assets (Europe) Ltd., which has held licence CASP001/25 in the CySEC MiCAR register since 20 October 2025. The entity previously named here, RT Digital Securities Cyprus Ltd., is no longer listed there.
Unlike many German neobrokers, Revolut enables both wallet transfers to external wallets and staking and recurring investments. Biometric verification for withdrawals is viewed positively as an additional security feature. Deposits are possible via SEPA, SEPA Instant Transfer, and credit card, which increases flexibility.
Costs call for caution: Revolut advertises exchange fees “from 0 %”, but the small print on the same page states that the fee depends on the plan and the trading volume, and that exchange-rate and subscription fees apply on top. No standard fee is given, neither on the crypto page nor in the fee schedule. Anyone who wants to know the total cost has to work it out for their own plan and their own order size. Revolut is therefore especially suitable for investors looking for a wide selection of coins with wallet functionality in an all-in-one financial app.