Bitvavo vs ByBit EU Comparison
In our overall rating ByBit EU leads with 4.1 out of 5 points, ahead of Bitvavo with 3.3. Our table lists the trading fee as “0.25 %” for Bitvavo and “0.25% maker; 0.25% taker” for ByBit EU. ByBit EU has the better score in all five sub-ratings. Bitvavo lists 428 cryptocurrencies, ByBit EU more than 100.
| 0.25 % | Fees | 0.25% maker 0.25% taker |
| € 2.50 | Minimum cost per €1,000 | — |
| 428 | Cryptos | +100 |
| iDEAL | Wero, Bancontact, SEPA Instant Transfer, SEPA Transfer, credit card, PayPal, Apple Pay, Google Pay | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
| MiCA license via Netherlands AFM | Regulation | MiCAR license via FMA |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 2.50 | Minimum cost per €1,000 | — |
| 0.25 % | Fees | 0.25% maker 0.25% taker |
| € 1.31 | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 5 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| iDEAL | Wero, Bancontact, SEPA Instant Transfer, SEPA Transfer, credit card, PayPal, Apple Pay, Google Pay | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
Bitvavo charges maker and taker fees that fall with your trading volume over the last 30 days. SEPA deposits and crypto deposits are free, and all 427 coins trade directly against the euro.
| Transaction | Cost at Bitvavo |
|---|---|
| Crypto against euro, entry tier | 0.15% maker, 0.25% taker |
| Trading from EUR 100,000 volume in 30 days | 0.10% maker, 0.20% taker, falling further to 0.00% and 0.02% from EUR 100 million |
| Trading on USDC markets | 0.05% maker and taker |
| Stablecoin pairs such as USDC/EUR | 0.10% maker and taker, EURC/EUR 0.00% maker and 0.01% taker |
| Deposit via SEPA, iDEAL or Bancontact | free |
| Deposit via credit card, Apple Pay, Google Pay or PayPal | 1% |
| Deposit via EPS transfer | 1.75%, up to EUR 1,000 |
| EUR withdrawal via SEPA | free |
| Crypto deposit | free |
| Crypto withdrawal | fixed fee per coin, e.g. 0.000018 BTC (about EUR 1.25) or 0.00035 ETH (about EUR 0.71) |
| Margin trading | borrowing fee 0.0023% per hour, liquidation fee 2% |
| Recovery of crypto deposited incorrectly | EUR 50 administration fee |
How to save: Trading as a maker, i.e. placing a limit order on the order book, costs EUR 1.50 instead of EUR 2.50 as a taker on EUR 1,000. Deposit via SEPA instead of by card, which saves EUR 10 on EUR 1,000. Bundle crypto withdrawals, since the fee applies per withdrawal. We compare other exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to the Bitvavo fee page (accessed from Germany, deposit fees may differ by country) and the Bitvavo API (coin count, withdrawal fees; euro values at the 1 November 2026 rate).
Bitvavo bonus and referral programme
Bitvavo runs a referral programme: if you open your account through an existing customer's personal link, you both receive a benefit whose type and amount Bitvavo sets per campaign. The conditions are part of Bitvavo's user agreement (version of 15 July 2025). As of 24 October 2026.
Bybit EU charges fixed maker and taker rates for spot trading. For pairs against the euro the rate falls with your trading volume over the last 30 days; from VIP 1 the same rate applies to both pair types.
| Transaction | Cost at Bybit EU |
|---|---|
| Spot, crypto pairs, regular user | 0.25% maker, 0.25% taker |
| Spot, EUR pairs, up to USD 100,000 volume in 30 days | 0.25% maker and taker |
| Spot, EUR pairs, USD 100,000 to 250,000 | 0.22% maker and taker |
| Spot, EUR pairs, USD 250,000 to 500,000 | 0.2% maker and taker |
| Spot, EUR pairs, from USD 500,000 | 0.15% maker and taker |
| VIP 1, all spot pairs | 0.12% maker and taker |
| EUR deposits and withdrawals | fee shown before the transaction |
| Crypto withdrawals | network fee per coin |
How to save: If you trade larger amounts against the euro, the volume tiers on EUR pairs pay off: from USD 500,000 in 30 days the rate is 0.15%. From VIP 1 the rate for all spot pairs drops to 0.12%. See how Bybit EU compares on fees in our crypto exchange comparison.
Fees as of 1 November 2026 according to the Bybit EU fee schedule.
Bybit EU bonus and offers (November 2026)
New Bybit Card users get a welcome package: apply for the card in the app and top up at least 100 USDC or the equivalent to receive 10% cashback on eligible purchases in the first 30 days, up to €120. On top, you get up to €50 cashback on selected subscriptions such as ChatGPT and Netflix in the first month. The Bybit EU terms and conditions apply.
You can open a Bybit EU account through our partner link to Bybit EU; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.
Pros & Cons
- MiCA licence from the AFM since 26 June 2025, valid across the EU
- All 427 coins tradable directly against the euro, no detour via a stablecoin
- Trading from 0.15% maker and 0.25% taker, falling to 0.00% and 0.02% with volume
- Free SEPA deposits and free euro withdrawals
- Account guarantee of up to €100,000 for unauthorised account access
- Savings plan, staking and leverage of up to ten times on 20 coins
- Credit card, Apple Pay, Google Pay and PayPal cost 1% each
- Staking and lending currently outside MiCA supervision, according to Bitvavo
- Euro balances held as e-tokens, without a statutory deposit guarantee
- Crypto withdrawals carry a fixed fee per coin, 0.000018 BTC for Bitcoin
- MiCA licence from Austria's FMA since May 2025, valid across the EU
- Spot from 0.25% maker and taker, euro pairs 0.15% above $500,000 volume, 0.12% from VIP 1
- More than 100 coins, 17 of them tradable directly against the euro
- 1:1 reserves according to Bybit EU, assets held largely in cold storage, 2FA
- Bybit Card welcome package: 10% cashback up to €120
- App for iOS and Android, based in Vienna
- Spot trading only for EEA retail clients, no futures
- Bybit group hack in February 2025 (about $1.4 billion in ether), loss covered by the exchange
- Own counterparty list: transactions with listed services can lead to an account freeze
- The number of features can overwhelm complete beginners
Score Comparison
User Experiences
AI AnalysisUsers generally report mostly positive experiences with Bitvavo, especially regarding usability and costs. In the reviews, the clear app and low fees are often praised, while support and technical reliability are also mentioned more critically.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. This analysis is based on 606 user reviews from Apple App Store, Trustpilot, and Google Play Store evaluated with AI. 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 reviews presented reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. Status: April 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | not specified |
| available | Staking | not specified |
| available | Wallet transfer | not specified |
| available | Cost transparency | not specified |
| available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not specified |
| available | Mobile app (iOS/Android) | not specified |
| available | Web platform | not specified |
- MiCA licence from the AFM, valid in 30 EEA countries
- 427 coins, all directly against the euro
- Trading from 0.15% maker and 0.25% taker
- Account guarantee of up to €100,000 and cold-wallet custody
- Free SEPA deposits
- EU-regulated (MiCA, FMA Austria), valid in 29 EEA countries
- Spot from 0.25%, euro pairs from 0.15%
- 1:1 reserves and cold-wallet custody
The five areas head to head
AI AnalysisFees & Costs
Users particularly highlight Bitvavo's low and affordable fees. According to reviews, the costs are often mentioned positively. Critical remarks about fees play only a minor role in the available user opinions.
Spot trading (VIP 0, crypto pairs): 0.25% maker / 0.25% taker (as of 1 November 2026). Bybit EU does not offer futures or other derivatives to EEA retail clients. Deposit and withdrawal costs depend on the method used; crypto transfers incur the usual network fees.
Usability & User Experience
Users particularly praise Bitvavo for its clear design and intuitive app. According to reviews, the platform is often described as easy to use, which makes getting started especially simple. In some cases, users also report errors when launching the app or problems while using it.
Not enough reviews available.
Features & Offering
When it comes to features and the offering, users especially want a profit/loss display in percentages, portfolio analysis, and information on the average purchase price or buy-in at Bitvavo. A larger selection of coins and a dollar view are also occasionally requested in the reviews.
Not enough reviews available.
Stability & Security
When it comes to stability and reliability, users report connection issues, technical problems, and an app that occasionally crashes according to reviews. Errors on startup are also mentioned, which is why some users view this area critically.
Not enough reviews available.
Customer Support
Experiences with support are mixed according to reviews. Some users report fast support, while other feedback describes customer service as less easy to reach or notes that replies can take some time. Overall, users perceive support differently.
Not enough reviews available.
Details
| Bitvavo B.V. | Company | Bybit EU GmbH |
| 2018 | Founded | 2018 |
| MiCA license via Netherlands AFM | Regulation | MiCAR license via FMA |
| € 5 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| Photo ID | KYC | Identity verification (required for fiat deposits and withdrawals) |
Verdict
In our overall rating ByBit EU leads with 4.1 against 3.3 for Bitvavo.
For most investors ByBit EU is therefore the better choice.
In short: Bitvavo is one of the cheapest crypto exchanges for investors who trade in euros: 427 coins, all directly against the euro, trading from 0.15% as a maker and 0.25% as a taker, free SEPA deposits. The exchange holds a MiCA licence from the Dutch regulator AFM and serves customers across the EU, including Germany. A savings plan, staking and leveraged trading of up to ten times complement spot trading.
Is Bitvavo safe and licensed in the EU?
Yes, Bitvavo may serve customers across the EU. Bitvavo B.V., based in Amsterdam, has been authorised as a crypto-asset service provider under Article 63 MiCA since 26 June 2025, licensed by the Dutch Authority for the Financial Markets (AFM). Through the EU passport the licence covers 30 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers custody, operating the trading platform and transfers of crypto assets. Customers resident in Germany have their own country annex to the user agreement (version of 15 July 2025). In early 2024 Bitvavo temporarily stopped onboarding new customers from Germany; today the exchange lists Germany among its supported countries.
Custody and account guarantee: Bitvavo keeps most crypto assets offline in cold wallets with two custody providers, which according to the exchange are insured for up to $755 million; larger transfers require approval by several people. If a third party gains unauthorised access to your account and withdraws crypto, Bitvavo's account guarantee refunds up to €100,000 per incident, once per user. Transfers you send to scammers yourself are not covered (Bitvavo security page).
Euro balances, staking and lending: Bitvavo holds euros on your account as e-tokens in a separate e-token wallet. According to the user agreement it is not a deposit or investment account, and no statutory deposit guarantee applies. Staking and lending currently fall outside MiCA supervision, as Bitvavo states; lending is provided by the sister company Bitvavo Custody B.V.
What you can do yourself: turn on two-factor authentication, an anti-phishing code and a withdrawal address whitelist, keep larger amounts on your own hardware wallet and watch delisting dates. Bitvavo removes individual coins from trading, most recently Across Protocol on 27 October 2026, with Portal To Bitcoin (PTB) to follow on 6 November 2026.
Who is Bitvavo for?
Bitvavo suits investors in the EU who want to trade cheaply against the euro, deposit by SEPA and pick from a large range of coins without a detour via stablecoins; a savings plan and staking are included. If you want crypto, stocks and ETFs in one app, look at Bitpanda; for order-book trading with professional tools, Kraken Pro. An alternative with a listed parent company is Coinbase. All licensed providers are listed in our comparison of regulated crypto exchanges.
In short: Bybit EU combines the technology of one of the largest crypto exchanges with an EU licence: spot trading in more than 100 coins, fixed rates from 0.25% that fall to 0.15% with high euro volume, and a crypto card. For retail clients in the EEA, Bybit EU focuses on spot trading. If you want to buy and hold crypto at a large exchange with a European licence, Bybit EU fits.
Is Bybit safe and licensed in the EU?
Yes, Bybit EU may serve customers across the EU. Bybit EU GmbH, based in Vienna, has been authorised as a crypto-asset service provider under Article 63 MiCA since 28 May 2025, licensed by Austria's Financial Market Authority (FMA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers custody, exchanging crypto for money and for other crypto, placing and transfer services. Bybit EU itself points out that certain offers on bybit.eu fall outside MiCA supervision; each product page states the framework.
The hack of 21 February 2025: Attackers took ether worth about $1.4 to $1.5 billion from a Bybit group multisig cold wallet by slipping a manipulated transaction past the signers. The FBI attributed the attack to the North Korean group TraderTraitor, better known as Lazarus. On the same day Bybit stated that all client assets were backed 1:1 and that the exchange would cover the loss; withdrawals kept running. On bybit.eu, Bybit EU states 1:1 reserves for all user assets.
Counterparty list: Since September 2026 Bybit has published a list of services its customers must not transact with. If screening flags one of them, Bybit can freeze accounts or restrict funds. Our report on the Bybit counterparty list explains what to check in your payment history.
What you can do yourself: turn on two-factor authentication and a withdrawal address whitelist, keep proof of origin for coins bought peer to peer, and store larger amounts on your own hardware wallet.
Who is Bybit EU for?
Bybit EU suits investors in the EU who want spot trading at a large international exchange with a European licence and who like to pay with crypto. Anyone who regularly trades larger amounts against the euro benefits from the volume tiers. Our comparison of regulated crypto exchanges sets Bybit EU against other licensed exchanges such as OKX, Kraken and Bitvavo.