Binance Pro vs Flatex Comparison
| 0.1 % | Fees | 0.7 % |
| € 1.00 | Minimum cost per €1,000 | € 7.00 |
| 482 | Cryptos | 20 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 1.00 | Minimum cost per €1,000 | € 7.00 |
| 0.1 % | Fees | 0.7 % |
| € 7.47 | Wallet transfer | – |
| Limited | Cost transparency | Limited |
| € 1 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On disclosed fees you pay €6.00 less at Binance Pro per €1,000 purchase.
Pros & Cons
- Volume-based maker/taker model from 0.10%/0.10%
- BNB discount: 25% additional fee reduction when paying in BNB
- Pro order types: limit, market, stop-limit, OCO, trailing stop, limit-maker, iceberg
- API access: REST, WebSocket, and FIX (institutional)
- Very broad pair universe from the Binance spot market
- Shared account with standard Binance -- seamless switch between Convert and Pro
- BaFin license application in Germany withdrawn
- MiCA license via Binance France not yet finally granted as of April 2026
- Margin and futures trading for EU retail investors restricted by MiCA
- Learning curve compared to standard direct-purchase interface has room for improvement
- Lowest VIP tiers only reachable from high 30-day volume onward
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
User Experiences
AI AnalysisNo separate analysis -- based on Binance.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
| ✓ | Maker/Taker Model | ✓ |
| ✓ | BNB Discount | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Margin Trading | ✓ |
| ✓ | Futures | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | MiCA License | ✓ |
| ✓ | Mobile App | ✓ |
- Maker/taker model from 0.10% with 25% BNB discount
- Pro order types incl. OCO, trailing stop, and iceberg
- API access via REST, WebSocket, and FIX
- Very broad pair universe from the Binance spot market
- Crypto in a securities wrapper for conventional portfolios
The five areas head to head
AI AnalysisFees & Costs
No separate analysis -- based on Binance.
Order fees from around €5.90 plus the trading-venue charge; crypto ETPs also carry ongoing product costs (TER, typically 1–2% a year). As of July 2026.
Details
| Binance Holdings Ltd. | Company | flatexDEGIRO Bank AG |
| 2017 | Founded | 2005 |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 1 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Binance Pro leads with 4.1 against 3.1 for Flatex.
On disclosed fees you pay €6.00 less at Binance Pro per €1,000 purchase.
For most investors Binance Pro is therefore the better choice.
Binance Pro is the professional trading environment within the Binance ecosystem and is aimed at experienced traders. Instead of the flat direct-purchase fee on the standard interface, a volume-based maker/taker model applies here, with entry rates of 0.10% maker and 0.10% taker, decreasing as 30-day volume and BNB holdings rise to levels below 0.02%. Those who pay fees in BNB receive an additional 25% discount, bringing the entry rate effectively to around 0.075%.
The order set covers limit, market, stop-limit, OCO, trailing stop, limit-maker, and iceberg orders. Margin trading and futures are mapped through separate interfaces within the Binance account, but are restricted in the EU by MiCA rules for crypto derivatives for retail investors. API access is provided via REST, WebSocket, and FIX for institutional users. The regulatory situation is central here: the BaFin license application in Germany has been withdrawn; a MiCA license is being pursued via Binance France and as of April 2026 has not yet been finally granted.
Binance Pro is considered particularly suitable for traders who value low maker/taker conditions, a broad pair selection, and pro order types. Those who place importance on a BaFin license or a fully MiCA-compliant setup should keep an eye on the regulatory development. This comparison does not constitute investment advice.
For investors who want crypto exposure inside a conventional brokerage account alongside shares and ETFs – complete with German tax reporting and a familiar interface – flatex is a solid choice. If you want to own real coins and withdraw them to your own wallet, you need an actual crypto exchange instead.