Bitvavo vs Revolut Comparison

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.

Revolut is considered one of the most versatile financial apps in the DACH region and is popular with users who want to manage crypto, banking, card payments, and currency exchange in a single application. With more than 300 tradeable cryptocurrencies, Revolut offers by far the broadest coin selection among the brokers compared here. The crypto business sits with the Cypriot entity Revolut Digital Assets (Europe) Ltd., which has held licence CASP001/25 in the CySEC MiCAR register since 20 October 2025. The entity previously named here, RT Digital Securities Cyprus Ltd., is no longer listed there.

Unlike many German neobrokers, Revolut enables transfers to your own wallets, according to Revolut for BTC, ETH and more than 30 other tokens, as well as staking and recurring investments. Biometric verification for withdrawals is viewed positively as an additional security feature. Deposits are possible via SEPA, SEPA Instant Transfer, and credit card, which increases flexibility.

Costs deserve a close look: Revolut advertises exchange fees “from 0%”, but that rate only applies on the Ultra plan above €250,000 of trading volume in 30 days. According to the fee schedule of Revolut Digital Assets Europe, a crypto purchase in the app costs 1.49% on the Standard and Plus plans, 0.99% on Premium and Metal and 0.49% on Ultra, with lower rates at higher volumes. Small orders are subject to a minimum fee, so a €100 purchase costs €2.49 on the Standard plan, and a one-sided spread of typically 0 to 3% comes on top. Trading is considerably cheaper on Revolut's own exchange Revolut X, at 0% maker and 0.09% taker fees. Revolut is therefore especially suitable for investors looking for a wide selection of coins with wallet functionality in an all-in-one financial app.

In September 2026, Revolut confirmed that it had handed over customer data, including identity documents, account statements and transaction histories, in response to forged information requests sent from the email account of a genuine public authority. According to Revolut, around 680 customers in Europe were affected, while its systems and customer funds were not. On 20 October 2026, the app was disrupted for part of the day following an outage at Google Cloud; Revolut said customers' money and data were safe.