Bitcoin.de vs Trade Republic Comparison
In our overall rating Bitcoin.de leads with 3.2 out of 5 points, ahead of Trade Republic with 2.9. On disclosed fees Trade Republic is cheaper: 0 % instead of 0.5 % trading fee. Trade Republic lists more cryptocurrencies (more than 50) than Bitcoin.de (10). Bitcoin.de has been on the market longer, founded in 2011, while Trade Republic followed in 2015.
| 0.5 % | Fees | 0 % |
| € 5.00 | Minimum cost per €1,000 | no order fee, cost in the spread |
| 10 | Cryptos | 50+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Full banking licence from BaFin, crypto services notified under MiCA (Art. 60) |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 5.00 | Minimum cost per €1,000 | no order fee, cost in the spread |
| 0.5 % | Fees | 0 % |
| € 3.73 | Wallet transfer | € 0 |
| Limited | Cost transparency | Limited |
| € 60 | Minimum Amount | € 1 |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
Not enough reviews available.
Trade Republic charges no order commission for crypto trading. Each single order carries a flat fee of EUR 1, while savings plans run without it. Every purchase and sale also includes the spread, the gap between buy and sell price, which is built into the quoted price.
| Transaction | Cost at Trade Republic |
|---|---|
| Buying or selling a cryptocurrency (single order) | EUR 1 flat fee per order, no order commission, plus the spread |
| Crypto savings plan from EUR 1 | no flat fee, only the spread |
| Custody of your coins | free, most of it held in cold wallets at BitGo Europe GmbH |
| Sending to and receiving from external wallets | no Trade Republic fee, only the blockchain's network costs |
| Staking, including SOL, ETH and DOT | no additional fee, the app shows the net yield |
| Paying with crypto via the card | only the spread; 2% Crypto Saveback on up to EUR 1,500 card spending per month if at least EUR 50 goes into savings plans each month |
| Card: monthly fee and withdrawals | free, withdrawals under EUR 100 cost EUR 1 |
How to save: If you buy regularly, use the savings plan, since the EUR 1 flat fee does not apply there. For single orders, larger amounts pay off: on EUR 50 the flat fee is 2%, on EUR 1,000 only 0.1%. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to Trade Republic's crypto page and price overview and its help article on crypto fees (German price list).
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
- Trading and deposits are paused until further notice. bitcoin.de suspended both because of its pending MiCAR authorisation, according to its own notice dated 21 August 2026. Withdrawals continue. Nothing can currently be bought.
- No granted MiCA authorisation in the ESMA register
- Selection of only 10 cryptocurrencies could be expanded
- Only SEPA bank transfer as a payment method
- Interface occasionally criticised as in need of modernisation
- MiCA authorisation from BaFin, listed in the French AMF's CASP register as “Licensed MICA” with Germany as the licensing country
- Savings plans for crypto, stocks and ETFs from €1
- Crypto transfers to and from external wallets with no transaction fee charged by Trade Republic
- Staking available, according to the provider for SOL, ETH and DOT among others, at no extra charge
- 2 % Crypto Saveback on card payments up to €1,500 per month
- No order commission on crypto: EUR 1 flat fee per single order, savings plans without it, plus the spread
- 50 cryptocurrencies tradable alongside stocks and ETFs
- Deposits via SEPA, SEPA instant transfer and credit card
- Trade Republic's own help pages contradict its product page: on 22 October 2026 they still stated that sending and receiving crypto was not possible
- Cost transparency on crypto spreads has room for improvement, according to users
- SMS-based two-factor authentication; stronger methods would be welcome
User Experiences
AI AnalysisNot enough reviews available.
According to the evaluated user data, Trade Republic is especially appreciated for its intuitive and clear app. At the same time, users report room for improvement in support, while fees and individual aspects of the app are perceived in mixed ways according to reviews.
This analysis is based on 1410 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 shown (star ratings) refer to all reviews available there. The ratings displayed reflect users’ experiences and do not represent the website operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| not available | Savings plan | available |
| not available | Staking | not available |
| not available | Wallet transfer | not available |
| not available | Cost transparency | not specified |
| not available | 2FA security | not specified |
| available | SEPA transfer | not specified |
| not available | Credit card | available |
| not available | Minimum amount | not specified |
| not available | Mobile app | available |
| available | Web platform | available |
| not specified | BaFin regulation | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA instant transfer | available |
- 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 for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- BaFin-regulated with a German bank account
- Over 50 tradable cryptocurrencies
The five areas head to head
AI AnalysisFees & Costs
Not enough reviews available.
When it comes to fees and costs, user opinions are mixed. Some users describe Trade Republic as inexpensive, while according to reviews, higher fees are also occasionally criticized.
Usability & User Experience
Not enough reviews available.
Users particularly appreciate Trade Republic for its intuitive, clear, and easy-to-use app. According to reviews, the application is often described as beginner-friendly, which makes getting started easier. However, the app is also occasionally described as somewhat unclear.
Features & Offering
Not enough reviews available.
Users repeatedly wish for availability in Switzerland, an iPad version, and a CSV export. According to reviews, a simpler tax overview and the option for automatic dividend reinvestment are also mentioned occasionally. Wishes are also expressed in the available user data regarding the search function and stop-limit orders.
Stability & Security
Not enough reviews available.
Users report mixed experiences regarding stability and reliability. It is occasionally mentioned that the app crashes, while others describe the app as easy to use in everyday life.
Customer Support
Not enough reviews available.
When it comes to support, many users report room for improvement. According to reviews, it is often mentioned that customer service is difficult to reach or that responses take a while to arrive. In direct contact in particular, users therefore rate support critically.
Details
| futurum bank AG | Company | Trade Republic Bank GmbH |
| 2011 | Founded | 2015 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Full banking licence from BaFin, crypto services notified under MiCA (Art. 60) |
| € 60 | Minimum Amount | € 1 |
| Bank verification, VideoIdent, PostIdent | KYC | Video-ID |
Verdict
In our overall rating Bitcoin.de leads with 3.2 against 2.9 for Trade Republic.
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.
Trade Republic is considered one of the best-known neobrokers in the DACH region and is used by many users as an entry point into the world of cryptocurrencies. Trade Republic is a bank supervised by BaFin and, in addition to 50 cryptocurrencies, also offers stocks, ETFs, and derivatives from a single source. Users appreciate that Trade Republic charges no order commission; each single order costs a flat EUR 1, savings plans run without it, and the remaining costs arise through the spread, whose transparency is occasionally rated as room for improvement.
Particularly appreciated are the savings plans from €1, which make it easy to get started with regular crypto investing. For investors who want to manage crypto, stocks, and ETFs in a single app, Trade Republic is considered one of the most accessible solutions on the German market. The app is described as intuitive and clearly geared toward beginners and occasional investors.
The Crypto Wallet lets you send cryptocurrencies to external wallets and receive them from there, according to Trade Republic without any transaction fees of its own. The SMS-based 2FA security is also considered room for improvement. Trade Republic is therefore especially suitable for investors looking for a regulated, uncomplicated way to access cryptocurrencies as part of a broad securities offering and who want to be able to move their coins to a wallet of their own.