Bitcoin.de vs Flatex Comparison
| 0.5 % | Fees | 0.7 % |
| € 5.00 | Cost for €1,000 | € 7.00 |
| 10 | Cryptos | 20 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
| Regulated in Germany as a marketplace of futurum bank AG | 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.
| € 5.00 | Cost for €1,000 | € 7.00 |
| 0.5 % | Fees | 0.7 % |
| € 3.73 | Wallet transfer | – |
| Limited | Cost transparency | Limited |
| € 60 | Minimum Amount | € 1 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €2.00 less at Bitcoin.de.
Pros & Cons
- Regulated in Germany as a marketplace of futurum bank AG
- Pioneer among German cryptocurrency platforms – active since 2011
- Trading fees of 0.5 %
- Wallet transfer possible
- Funds remain in the user’s own bank account
- Selection with only 10 cryptocurrencies could be expanded
- Only SEPA bank transfer as a payment method – additional options could be expanded
- Interface occasionally criticized as in need of modernization
- 2FA only via SMS – TOTP support could be expanded
- 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 AnalysisNot enough reviews available.
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
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app | ✓ |
| ✓ | Web platform | ✓ |
- Pioneer among German crypto marketplaces – since 2011
- Regulated through futurum bank AG in Germany
- Euro balances remain in the user’s own bank account
- KYC via bank verification, VideoIdent or PostIdent
- Crypto in a securities wrapper for conventional portfolios
The five areas head to head
AI AnalysisFees & Costs
Not enough reviews available.
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
| futurum bank AG | Company | flatexDEGIRO Bank AG |
| 2011 | Founded | 2005 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 60 | Minimum Amount | € 1 |
| Bank verification, VideoIdent, PostIdent | KYC | eID, Video-ID, PostIdent |
Verdict
Both providers are practically level in our overall rating (3.2 to 3.1).
On a €1,000 purchase you pay €2.00 less at Bitcoin.de.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
Bitcoin.de is regarded as a pioneer among German crypto marketplaces and has been active since 2011 – making the platform one of the oldest providers in the German-speaking market. Regulation through futurum bank AG in Germany and the principle that euro balances remain in the user’s own bank account are viewed positively by security-conscious users.
The selection of just 10 cryptocurrencies is clearly room for improvement compared with modern exchanges. The limitation to SEPA as the only payment method, the lack of a mobile app, and 2FA protection only via SMS are also occasionally criticized. Some users consider the interface in need of modernization.
Bitcoin.de is seen as particularly suitable for investors who want to rely on a long-established, Germany-regulated platform and focus primarily on trading Bitcoin and a few other cryptocurrencies.
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.