BISON vs crypto.com Comparison

Editorial assessment, November 2026: We have downgraded BISON to 1.9 out of 5 and do not recommend it. The deciding factor is cost. According to BISON's fee page (accessed 8 November 2026), the proportional spread on Bitcoin and Ethereum averages 1.25 percent per purchase or sale, and 1.75 percent on all other cryptocurrencies. Buying Bitcoin and selling it later therefore costs around 2.5 percent, and around 3.5 percent for other coins. Deposits by credit card, Apple Pay or Google Pay cost an extra 2.49 percent, and BISON keeps 27 percent of staking rewards on Ethereum and Solana. MiCA-licensed exchanges in our exchange comparison charge from 0.2 percent for the same purchase. The authorisation of EUWAX AG and Boerse Stuttgart Digital Custody GmbH in the ESMA register does not change this calculation.

BISON is the crypto app of Börse Stuttgart and is perceived in the DACH region as a provider with a traditional capital markets background. The provider is EUWAX AG, a Börse Stuttgart company supervised by BaFin that has notified BaFin of its crypto services under MiCA. Crypto custody is handled by Boerse Stuttgart Digital Custody GmbH, which has held a MiCA authorisation from BaFin since January 2025. Euro balances are held at Solaris SE and Deutsche Bank and are covered by statutory deposit protection up to EUR 100,000 per investor and bank. According to BISON, 69 cryptocurrencies are tradable, plus stocks and ETFs, and the app has more than 1.06 million users.

As one of the few offerings among German brokers, BISON allows free wallet transfers to your own wallets. Staking, savings plans, and an integrated tax report are also available. According to BISON, staking of Ethereum and Solana is currently not regulated under MiCA. Deposits are possible via SEPA, instant bank transfer, and credit card.

Costs sit in the spread, which according to BISON averages 1.25 % on Bitcoin and Ethereum and 1.75 % on all other cryptocurrencies, the upper range among the brokers compared. The exclusively SMS-based 2FA and the processing time for wallet transfers of up to 24 hours are also seen as room for improvement. Overall, BISON is aimed at investors who prefer an established German provider and are willing to accept trade-offs in fees and coin selection.

Crypto.com is especially valued for its own Visa card with cashback program, which is considered a unique selling point in the crypto market. With more than 400 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.

In Germany, Crypto.com operates under the MiCA licence that the Malta Financial Services Authority (MFSA) granted to Foris DAX MT Limited on 27 January 2025 and which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.

The card terms changed in 2026: cashback is only paid on the paid tiers, with Level Up Plus at €3.99 a month earning 1.5% on up to US$750 of card spending a month and the top tiers up to 4.5%; the free Midnight card earns 0%. Since 1 October 2026, Ruby, Jade and Indigo also pay a 2% foreign transaction fee outside the EU and UK above a monthly allowance of €400 or €800, and a card without spending costs €6 a month after twelve months.

Crypto.com is mainly considered suitable for users who want to actively use the Visa card with cashback and are prepared to pay for a Level Up tier.