The best providers for buying Bitcoin with a savings plan

Regularly purchasing Bitcoin through a savings plan is a smart way for many investors to build wealth over the long term—without the stress of timing the market or needing large lump sums. Instead of speculating on price gains, a savings plan leverages the proven dollar-cost averaging effect. However, not all providers are the same: fees, execution intervals, and user-friendliness can vary significantly. Our comparison shows you the best platforms for buying Bitcoin through a savings plan—so you can make an informed decision about where it's most worthwhile for you to start.

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Buy Bitcoin with a Savings Plan 2025

Dennis Weidner

Last updated: 09/16/2025

	1 Coinbase	2 Binance	3 Bitpanda	4 Kraken	5 Bitvavo	6 21bitcoin	7 BISON	8 Relai	9 Luno	10 crypto.com	11 justTrade	12 Revolut	13 Scalable Capital	14 Trade Republic	15 finanzen.net ZERO	16 Smartbroker+	17 Traders Place
Overall Rating	Excellent (4.6) 09/2025 Visit Provider	Very Good (4.3) 09/2025 Visit Provider	Good (4.2) 09/2025 Visit Provider	Good (4.2) 09/2025 Visit Provider	Good (4.2) 09/2025 Visit Provider	Good (4.0) 09/2025 Can be completed directly with provider	Good (3.9) 09/2025 Can be completed directly with provider	Good (3.7) 09/2025 Can be completed directly with provider	Good (3.5) 09/2025 Can be completed directly with provider	Good (3.0) 09/2025 Can be completed directly with provider	Good (3.0) 09/2025 Can be completed directly with provider	Good (3.0) 09/2025 Can be completed directly with provider	Satisfactory (2.9) 09/2025 Can be completed directly with provider	Satisfactory (2.9) 09/2025 Can be completed directly with provider	Satisfactory (2.8) 09/2025 Can be completed directly with provider	Satisfactory (2.7) 09/2025 Can be completed directly with provider	Satisfactory (2.7) 09/2025 Can be completed directly with provider
Company	Coinbase Global, Inc.	Binance Holdings Ltd.	Bitpanda GmbH	Payward Inc.	Hyphe Markets GmbH	FIOR Digital GmbH	EUWAX AG	Relai AG	Luno Australia {Pty} Ltd.	Foris DAX Asia Pte. Ltd	JT Technologies GmbH	Revolut Ltd.	Scalable Capital GmbH	Trade Republic Bank GmbH	finanzen.net zero GmbH	Smartbroker AG	Traders Place GmbH & Co. KGaA
Origin date	2012	2017	2014	2011	2021	2021	2019	2020	2013	2016	2019	2015	2014	2015	2021	2019	2023
Country	🇺🇸	🇰🇾	🇦🇹	🇺🇸	🇩🇪	🇦🇹	🇩🇪	🇨🇭	🇬🇧	🇸🇬	🇩🇪	🇬🇧	🇩🇪	🇩🇪	🇩🇪	🇩🇪	🇩🇪
Trading fees	1.49 %	1.75 %	0.99 %	0.99 %	0.25 %	0.79 %	1.25 %	0.9 %	1.5 %	1.2 %	0 %	1.49 %	0.99 %	0 %	0 %	0.9 %	1 %
Total costs for 500 €	€ 14.90	€ 18.50	€ 9.90	€ 9.90	€ 2.60	€ 7.90	€ 12.50	€ 9.00	€ 15.00	€ 12.00	€ 7.00	€ 26.90	€ 10.89	€ 9.00	€ 24.00	€ 9.00	€ 10.00
Cost transparency	No	Limited	Yes	Limited	Yes	Yes	Yes	Yes	Limited	No	Yes	No	Yes	Limited	No	Limited	Limited
Supports wallet transfer	✅ Dynamic fees that are only visible when withdrawing the respective cryptocurrency	✅	✅	✅	✅	✅ A flat fee of 0.00001 BTC is charged per transfer.	✅ Withdrawals always free	✅ Dynamic fees for transfers, which are kept as low as possible and can be adjusted in the app.	✅ Dynamic fees that are only visible when withdrawing the respective cryptocurrency	✅	❌	✅	❌	❌	❌	❌	❌
Wallet transfer fees (EUR)	€ 0.24	€ 7.47	€ 2.91	€ 1.49	€ 0.40	€ 0.75	€ 0	€ 0.45	€ 3.73	€ 44.81	–	€ 1.49	–	–	–	–	–
Savings plan	✅	✅	✅	✅	✅ app only	✅ Savings plan standing orders are invested in Bitcoin immediately upon receipt.	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅	✅
Regulation and licenses	✅ First company with crypto license from BaFin, though deficiencies have already been identified	❌ License in Germany refused by BaFin	✅ BaFin license for custody and proprietary trading	✅ Cooperation with BaFin-regulated company DLT Securities GmbH	✅ BaFin License, custodians Tangany and Sutor Bank are also licensed	✅ Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria	✅ Cryptocurrencies are held by BaFin-regulated company Boerse Stuttgart Digital Custody GmbH.	✅ Virtual Asset Service Provider {VASP} in Switzerland and MiCAR license applied for	✅ Registered in France as a Digital Asset Service Provider with the Autorité des marchés financiers {AMF}	❌ Withdrawn from Germany due to BaFin investigation for missing license.	✅ The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business.	✅ MiCA regulation through RT Digital Securities Cyprus Ltd. {RTDSCL} in Cyprus by CySEC with registration number 001/22	✅ BaFin license as a securities institution	✅ BaFin license as a securities institution	✅ Crypto custodian Tangany GmbH has a BaFin license.	✅ Crypto custodian Tangany GmbH has a BaFin license	✅ Crypto custodian Tangany GmbH has a BaFin license.
KYC	eID, VideoIdent	Photo ID	eID, Photo ID	Photo ID	Photo ID	Photo ID	eID, VideoIdent	VideoIdent	Photo ID	Photo ID	VideoIdent	Photo ID	eID, Video-ID, PostIdent	Video-ID	eID, Video-ID, POSTIDENT	eID, Video-ID, PostIdent	eID, Video-ID
Safety features	2FA with TOTP	2FA with TOTP Whitelist	2FA with TOTP	2FA with TOTP Account Lock	2FA with TOTP Anti-Phishing Code	Automatic transfer to own wallet	2FA via SMS	Own wallet	2FA with TOTP Whitelist	2FA with TOTP Anti-Phishing Code	2FA via SMS	Wealth Protection {Biometric verification for withdrawals} 2FA via SMS	2FA linked to specific device {smartphone}	2FA via SMS	Dedicated app for TAN	no 2FA for login	2FA via SMS
Supported platforms
Minimum amount	€ 1	€ 15	€ 1	€ 1	€ 5	€ 15	€ 1	€ 50	€ 1	€ 3	€ 50	€ 1.50	€ 1	€ 1	€ 0.01	€ 0.01	€ 1
Payment methods	SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal	SEPA Transfer, Credit Card	SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal	SEPA Instant Transfer, SEPA Transfer, PayPal, Credit Card	SEPA Instant Transfer, SEPA Transfer	SEPA Instant Transfer, SEPA Transfer	SEPA Instant Transfer, SEPA Transfer, Credit Card	SEPA Transfer, Credit Card	SEPA Transfer, Credit Card	SEPA Instant Transfer, SEPA Transfer, Credit Card	SEPA Transfer	SEPA Instant Transfer, SEPA Transfer, Credit Card	SEPA Direct Debit, SEPA Transfer	SEPA Instant Transfer, SEPA Transfer, Credit Card	SEPA Transfer	SEPA Transfer	SEPA Transfer
Special features	Learn & Earn program (receive altcoins for answering questions) Learn & Earn program (receive altcoins for answering questions) Fee model very non-transparent and expensive in comparison	Largest crypto exchange worldwide with very low spreads Direct purchases very expensive with no transparency regarding costs	One of the few exchanges based in the EU that is regulated Purchase of precious metals and (fractional) stocks possible	One of the oldest & largest crypto exchanges in the market Most security features	Transparent display of all fees without hidden costs Transparent display of all fees without hidden costs Bitvavo B.V. excluded all German customers from their platform in early 2024 due to regulatory reasons. Since August 2024, Bitvavo is active in Germany again through a joint venture with Hyphe Markets GmbH.	Bitcoin can be automatically sent to your own wallet very cost-effectively above a certain amount App does not yet offer 2FA	Tax report Tax report Tax report Transfers to external wallet can take about a day	Savings plan directly to your own wallet (in the Relai app and to your own hardware wallet) Setting up automatic transfers to an external wallet (not the integrated wallet of the Relai app) requires some experience with creating a digital signature	-	Own VISA debit card with cashback program Own VISA debit card with cashback program Withdrawal fees are extremely high	As a neobroker, also an affordable trading platform for stocks and ETFs 20 % discount at Blockpit for tax reports Real cryptocurrencies tradable, but not transferable to own wallet	Free credit card top-ups (instant crypto purchases possible) Very high fees that are not fully displayed in euros even in the final purchase step	Neobroker with many stocks and ETFs available Neobroker with many stocks and ETFs available Self-custody of cryptos not possible	Neobroker with many stocks and ETFs available No withdrawal of cryptocurrencies to own wallet possible	Neobroker with stocks and ETFs available Cryptocurrencies cannot be self-custodied	Neobroker with stocks and ETFs available No trading possible immediately after registration and verification, as you must wait for the setup of the account and crypto wallet	-
	Visit Provider	Visit Provider	Visit Provider	Visit Provider	Visit Provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider	Can be completed directly with provider