BISON vs Flatex Comparison
| 1.25 % | Fees | 0.7 % |
| € 12.50 | Cost for €1,000 | € 7.00 |
| 26 | Cryptos | 20 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| Cryptocurrencies are held by BaFin-regulated company Boerse Stuttgart Digital Custody GmbH. | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 12.50 | Cost for €1,000 | € 7.00 |
| 1.25 % | Fees | 0.7 % |
| € 0 | Wallet transfer | – |
| Yes | Cost transparency | Limited |
| € 1 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €5.50 less at Flatex.
Pros & Cons
- Crypto custody by the BaFin-regulated Boerse Stuttgart Digital Custody GmbH
- Free wallet transfer to your own wallets
- Staking and savings plans available for regular investing
- Tax report offered as an additional feature
- Deposits via SEPA, SEPA instant bank transfer, and credit card
- Minimum amount starting at just 1 € for getting started
- Trading fees of 1.25 % room for improvement compared with some providers
- SMS-based 2FA security – advanced authentication room for improvement
- Processing time for wallet transfers (up to 24 hours) occasionally criticized
- 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)
Score Comparison
User Experiences
AI AnalysisUsers generally describe BISON in the evaluated user data as easy to understand and clear. In particular, the intuitive and easy-to-use app is frequently praised in reviews, while fees, support, and the selection of coins are seen more critically by users.
This analysis is based on 707 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews shown reflect users’ experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Tax report | ✓ |
| ✓ | SEPA instant bank transfer | ✓ |
- Powered by Börse Stuttgart with many years of capital markets experience
- Free wallet transfer to your own wallets
- Tax report for crypto tax filing
- BaFin-regulated crypto custody
- Crypto in a securities wrapper for conventional portfolios
The five areas head to head
AI AnalysisFees & Costs
When it comes to fees and costs, users report criticism comparatively often. According to reviews, the fees and spread are repeatedly described as high. Especially among price-conscious users, this area is therefore perceived rather critically in the user data.
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.
Usability & User Experience
Users mainly report a clear design and an intuitive app with BISON. According to reviews, the platform is often described as easy to use, user-friendly, and self-explanatory. Some users mention annoying notifications and report that verification does not always go smoothly.
Not enough reviews available.
Features & Offering
According to reviews, users are rather reserved about BISON’s offering, mainly because of the limited coin selection. Many users would like to see more coins or cryptocurrencies; additionally, an API for Blockpit, staking, savings plans, as well as an iPad or Mac version are mentioned occasionally.
Not enough reviews available.
Stability & Security
In terms of stability and reliability, many users are generally positive about BISON. According to reviews, the app is repeatedly described as reliable. However, some users report app crashes, so from the perspective of individual reviews the technical reliability still has room for improvement.
Not enough reviews available.
Customer Support
When it comes to support, users report mixed experiences in the reviews, but overall rather critical ones. There is repeated mention of no support or long response times, which is why some users describe customer service as room for improvement. Support is also occasionally mentioned critically in connection with delays around withdrawals.
Not enough reviews available.
Details
| EUWAX AG | Company | flatexDEGIRO Bank AG |
| 2019 | Founded | 2005 |
| Cryptocurrencies are held by BaFin-regulated company Boerse Stuttgart Digital Custody GmbH. | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 1 | Minimum Amount | € 1 |
| eID, VideoIdent | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Flatex leads with 3.1 against 2.5 for BISON.
On a €1,000 purchase you pay €5.50 less at Flatex.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
BISON is the crypto app of Börse Stuttgart and is perceived in the DACH region as a provider with a traditional capital markets background. Crypto custody is handled by Boerse Stuttgart Digital Custody GmbH, which is regulated by BaFin. With 26 tradable coins, the selection is clearly limited compared with specialized crypto exchanges.
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. Deposits are possible via SEPA, instant bank transfer, and credit card.
The trading fees of 1.25 % are in the upper range of the brokers compared and are occasionally criticized by users. 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.
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.