ByBit EU vs Flatex Comparison
| 0.1% | Fees | 0.7 % |
| — | Cost for €1,000 | € 7.00 |
| +100 | Cryptos | 20 |
| — | Payment Methods | SEPA Transfer |
| MiCAR license via FMA | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| — | Cost for €1,000 | € 7.00 |
| 0.1% | Fees | 0.7 % |
| — | Wallet transfer | – |
| — | Cost transparency | Limited |
| ~$5-10 USD | Minimum Amount | € 1 |
| — | Payment Methods | SEPA Transfer |
Pros & Cons
- MiCA licence from Austria's FMA – a clear regulatory basis for EU/EEA investors
- Low fees: 0.25% spot, 0.02% maker / 0.055% taker on futures
- Hundreds of tradable crypto assets
- Assets held largely in cold storage, 2FA, proof-of-reserves audits
- Fast execution and a well-rated app (iOS/Android)
- Registered in Vienna, inside the EU
- High-leverage derivatives are restricted for EEA retail clients under MiCA
- Security incident in February 2025 (around 401,000 ETH drained)
- The sheer number of features can overwhelm outright beginners
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
Score Comparison
User Experiences
AI AnalysisInvesting in crypto assets carries a high level of risk, up to and including total loss of capital. This is not investment advice. Figures as of July 2026, without guarantee – check current conditions on bybit.eu.
Features
- EU-regulated (MiCA, FMA Austria)
- Competitive spot and futures fees
- Cold-wallet custody and proof of reserves
- Crypto in a securities wrapper for conventional portfolios
The five areas head to head
AI AnalysisFees & Costs
Spot trading: 0.25%. Futures: 0.02% maker / 0.055% taker. Deposit and withdrawal costs depend on the method used; crypto transfers incur the usual network fees.
Order fees from around €5.90 plus the trading-venue charge; crypto ETPs also carry ongoing product costs (TER, typically 1–2% a year). As of July 2026.
Details
| Bybit EU GmbH | Company | flatexDEGIRO Bank AG |
| 2018 | Founded | 2005 |
| MiCAR license via FMA | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| ~$5-10 USD | Minimum Amount | € 1 |
| — | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating ByBit EU leads with 4.1 against 3.1 for Flatex.
For most investors ByBit EU is therefore the better choice.
Bybit EU pairs the strengths of the wider Bybit exchange – low fees, fast execution and a well-built interface – with a genuine EU licence (MiCA, granted by Austria's FMA). For European investors who want a regulated venue without giving up depth of markets, it is one of the more compelling options in 2026. Anyone expecting the very high leverage available on Bybit's global platform should note that those products are restricted for EEA retail clients under MiCA.
For investors who want crypto exposure inside a conventional brokerage account alongside shares and ETFs – complete with German tax reporting and a familiar interface – flatex is a solid choice. If you want to own real coins and withdraw them to your own wallet, you need an actual crypto exchange instead.