Bitvavo vs justTrade Comparison
In our overall rating Bitvavo leads with 3.3 out of 5 points, ahead of justTrade with 3.0. On disclosed fees justTrade is cheaper: 0.125 % instead of 0.25 % trading fee, which means € 1.25 instead of € 2.50 per €1,000 purchase. If you care most about usability, features, and stability, Bitvavo has the better sub-scores. Bitvavo lists more cryptocurrencies (428) than justTrade (74).
| 0.25 % | Fees | 0.125 % |
| € 2.50 | Minimum cost per €1,000 | € 1.25 |
| 428 | Cryptos | 74 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
| MiCA license via Netherlands AFM | Regulation | The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 1.25 |
| 0.25 % | Fees | 0.125 % |
| € 1.31 | Wallet transfer | – |
| Yes | Cost transparency | Yes |
| € 5 | Minimum Amount | € 50 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
On disclosed fees you pay €1.25 less at justTrade per €1,000 purchase.
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 428 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 1.31) or 0.00033 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 22 October 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 22 October 2026 rate).
Not enough reviews available.
Pros & Cons
- All 428 tradable coins trade directly against the euro, with no detour through a stablecoin (measured on 22 October 2026 via Bitvavo's public API)
- MiCA authorisation since June 2025, supervised by the Dutch AFM, registration number 41000010
- Low trading fees: 0.15 % maker and 0.25 % taker at the entry tier
- SEPA, iDEAL and Bancontact deposits are free, as are EUR withdrawals
- Credit card, Apple Pay, Google Pay and PayPal cost 1% each, EPS 1.75%
- Bitvavo Custody B.V. is, by its own user agreement, not supervised by any authority
- Lending, margin trading and staking are explicitly not MiCA-regulated
- Crypto withdrawals carry a fixed fee per coin, 0.000018 BTC for Bitcoin
- 0.125 % order commission on the order volume, as stated in the price and services list dated 8 June 2026
- 74 crypto assets and 94 crypto ETPs tradable, 43 of them eligible for savings plans
- Minimum order volume of €25, fractional purchases possible
- Staking offered on crypto ETPs
- Savings plans for crypto and securities available
- Service handled through the BaFin-licensed Sutor Bank
- Stocks and ETFs tradable as well
- On top of the 0.125 % commission comes the trading venue's spread, so the total cost is not expressed in a single figure
- Transfers to your own wallets are not possible, occasionally criticised by users
- SMS-based two-factor authentication; stronger options would be welcome
- Minimum order volume of €25 per purchase
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.
According to 220 analyzed user reviews, justTRADE is especially appreciated for its clear app layout, easy operation, and fast processes. At the same time, users occasionally report technical friction around app display, login, and stability, so based on user data the overall experience is mixed with a positive tendency.
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 | available |
| available | Staking | not specified |
| available | Wallet transfer | not available |
| 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 available |
| available | Mobile app (iOS/Android) | available |
| available | Web platform | available |
| not specified | Staking (via ETPs) | available |
| not specified | BaFin regulation (Sutor Bank) | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA transfer | available |
- MiCA-licensed by the Dutch AFM, active in Germany via the EU passport (as of October 2026)
- Taker fee 0.25%, 0.20% from EUR 100,000 volume in 30 days
- Transparent fee structure without hidden costs
- SEPA deposits and crypto deposits are free
- Minimum investment from EUR 5
- 0.125 % order commission plus the trading venue’s spread: inexpensive, but not free
- Trading secured via the BaFin-licensed Sutor Bank
- Neobroker with stocks, ETFs, and crypto on one platform
- Blockpit discount (20 %) for crypto tax reports
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.
When it comes to fees and costs, the overall sentiment in the reviews is rather positive. Users occasionally describe justTRADE as inexpensive and highlight the pricing level positively in their feedback. However, concrete cost information should always be considered in comparison with the fees stated by the provider.
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.
Users particularly appreciate the clear design and uncomplicated use of the justTRADE app. According to reviews, the interface is often described as clearly structured and easy to understand. In some cases, usability on larger devices is seen as room for improvement, and users would like to see features such as a tablet mode, dark mode, and more sorting options.
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.
According to the user data, only a limited number of specific comments are available on features and the offering. It is occasionally mentioned that order functions are room for improvement from the user perspective, and users would like more stop-loss options, a longer timer, and instant deposits. Overall, the offering is commented on rather briefly in the reviews, so no consistent picture can be derived from user opinions here.
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.
The user reviews do not show a completely consistent picture when it comes to stability and reliability. Users do report fast execution, but app crashes, login problems, slow charts, display errors, and difficulties with two-factor authentication are occasionally criticized. According to user data, this area therefore appears to have room for improvement in some respects.
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.
Users repeatedly describe support as fast. According to reviews, inquiries sometimes receive a reply in a timely manner, which is highlighted positively in user feedback. Overall, customer service leaves a predominantly positive impression based on the analyzed responses.
Details
| Bitvavo B.V. | Company | JT Technologies GmbH |
| 2018 | Founded | 2019 |
| MiCA license via Netherlands AFM | Regulation | The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. |
| € 5 | Minimum Amount | € 50 |
| Photo ID | KYC | VideoIdent |
Verdict
In our overall rating Bitvavo leads with 3.3 against 3.0 for justTrade.
On disclosed fees you pay €1.25 less at justTrade per €1,000 purchase.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
Bitvavo is valued for combining a MiCA licence with low trading fees of 0.15% maker and 0.25% taker. With 428 cryptocurrencies, all tradable directly against the euro, and EUR 2.50 for a EUR 1,000 purchase as a taker, the platform is in the lower fee range among the providers compared. The transparent fee structure without hidden costs is viewed positively by users.
The contracting party is Bitvavo B.V. in Amsterdam, authorised under MiCA by the Dutch AFM since 26 June 2025 and active in Germany and other EU countries via the EU passport. SEPA deposits are free, while credit card, Apple Pay, Google Pay and PayPal cost 1% each. Crypto withdrawals carry a fixed fee per coin, currently 0.000018 BTC for Bitcoin. There is room for improvement in that the savings plan is only available in the app.
Bitvavo is considered particularly suitable for cost-conscious investors who prefer a MiCA-regulated platform with low fees and a transparent cost structure and deposit via SEPA.
In the DACH region, justTrade was long perceived as a fee-free trading model. That is no longer the case: under the price and services list dated 8 June 2026, the bank charges an order commission of 0.125 % of the order volume for executing orders in crypto assets, plus the trading venue’s spread. It remains inexpensive by comparison, but it is not free. With 74 tradable cryptocurrencies as real coins, the broker offers a solid range, processed via the BaFin-licensed Sutor Bank. For cost-conscious investors who also want to trade stocks and ETFs alongside crypto, justTrade is considered one of the cheaper options.
Also appreciated is the ability to set up crypto savings plans, as well as the 20-% discount at Blockpit for crypto tax reports. The platform can be used via both app and web and is aimed at investors who prefer an uncomplicated trading environment. Staking via crypto ETPs is seen as a useful addition.
However, wallet transfers to personal wallets are not possible, which is occasionally criticized by users. The minimum deposit of 50 € and the SMS-based 2FA are also considered room for improvement. justTrade is therefore particularly suitable for price-conscious beginners and occasional investors looking for inexpensive access to crypto and securities in a regulated German environment.