Bitcoin.de vs Smartbroker+ Comparison
| 0.5 % | Fees | 0.9 % |
| € 5.00 | Cost for €1,000 | € 9.00 |
| 10 | Cryptos | 25 |
| 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 | € 9.00 |
| 0.5 % | Fees | 0.9 % |
| € 3.73 | Wallet transfer | – |
| Limited | Cost transparency | Limited |
| € 60 | Minimum Amount | € 0.01 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €4.00 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
- 25 cryptocurrencies tradable alongside stocks, ETFs, and derivatives
- Savings plans available for crypto and securities
- Crypto custodian Tangany GmbH with BaFin license
- Minimum investment possible from just 0.01 €
- App available for iOS, Android, and web use
- Wallet transfer to personal wallets not possible – occasionally criticized by users
- Staking features currently not available – room for improvement
- Deposits only via SEPA transfer – additional payment methods have room for improvement
- Waiting time after registration until first trade is occasionally criticized
User Experiences
AI AnalysisNot enough reviews available.
According to reviews, Smartbroker+ is generally often described as clear and easy to understand. Users particularly appreciate the simple app experience as well as low fees and conditions, while support-related topics and individual technical points are perceived by some users as having room for improvement.
This analysis is based on 954 user reviews from the Apple App Store, Trustpilot, and Google Play Store, evaluated by AI. 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 presented 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 | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
- 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
- Neobroker with stocks, ETFs, derivatives, and crypto on one platform
- BaFin-licensed crypto custodian Tangany GmbH
- Savings plans from 0.01 € for accessible investing
- Trading fees of 0.9 % for crypto
The five areas head to head
AI AnalysisFees & Costs
Not enough reviews available.
According to reviews, Smartbroker+ fees are often viewed positively. Users particularly appreciate the low fees and conditions, which are generally perceived as inexpensive. Overall, the pricing data gives a largely positive impression.
Usability & User Experience
Not enough reviews available.
Users particularly appreciate the clear and intuitive operation of the Smartbroker+ app. According to reviews, the application is often perceived as easy to use, which makes getting started easier. However, some users also report that the interface can be confusing, so this area is described in individual cases as having room for improvement.
Features & Offering
Not enough reviews available.
Some users would like additional convenience features such as direct debit for savings plans, instant or real-time transfers, and notes for the watchlist. According to reviews, the newsletter is also occasionally perceived as rather limited.
Stability & Security
Not enough reviews available.
Regarding stability and reliability, users occasionally report technical issues or longer loading times. Overall, the available reviews in this area do not point to a clearly positive or negative picture.
Customer Support
Not enough reviews available.
When it comes to support, users in the reviews report mixed experiences comparatively often. In some cases, poor customer service, unanswered email requests, or a lack of support are mentioned, which is why this area is considered to have room for improvement from the users' perspective.
Details
| futurum bank AG | Company | Smartbroker AG |
| 2011 | Founded | 2019 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
| € 60 | Minimum Amount | € 0.01 |
| Bank verification, VideoIdent, PostIdent | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Smartbroker+ leads with 4.4 against 3.2 for Bitcoin.de.
On a €1,000 purchase you pay €4.00 less at Bitcoin.de.
For most investors Smartbroker+ is therefore the better choice.
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.
Smartbroker+ is perceived in the DACH region as a multi-asset broker that combines cryptocurrencies with stocks, ETFs, and derivatives on one platform. With 25 tradable cryptocurrencies and custody via the BaFin-licensed Tangany GmbH, the provider is considered to be on solid regulatory footing. Trading fees of 0.9 % for crypto are in the mid-range among German neobrokers.
The option to set up savings plans from as little as 0.01 € is appreciated, as it enables an especially accessible entry point. The platform is available via app and web and is aimed at investors who want to manage different asset classes centrally. For users who already invest in stocks and ETFs and want to add crypto as an additional component, Smartbroker+ is seen as a practical solution.
Wallet transfers to personal wallets are currently not possible, and staking features are not offered — both are occasionally criticized by users. The limited deposit methods, restricted to SEPA transfers, and the waiting time after registration are also considered to have room for improvement. Smartbroker+ is therefore particularly suitable for securities investors in the DACH region looking for a German broker with BaFin-regulated crypto custody and a broad product range.