ByBit EU vs Flatex Comparison
| 0.25% taker 0.10 to 0.15% maker from 5 Oct 2026: 0.25% | Fees | 0.7 % |
| — | Minimum cost per €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, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| — | Minimum cost per €1,000 | € 7.00 |
| 0.25% taker 0.10 to 0.15% maker from 5 Oct 2026: 0.25% | Fees | 0.7 % |
| — | Wallet transfer | – |
| — | Cost transparency | Limited |
| 1 EUR per order, card deposit from 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
- Spot fees from 0.10% maker / 0.25% taker
- 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
- No futures or other derivatives for EEA retail clients, spot trading only
- 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
- Direct trading in 25 cryptoassets for clients in Germany, from €1 per order
- Total costs of 0.6% including the spread for liquid assets such as Bitcoin
- Custody with Tangany, a BaFin-supervised crypto custodian
- Crypto ETNs in the same portfolio, with a German tax certificate
- Established online broker since 2006
- Direct crypto trading only for private clients with a registered address in Germany and an individual account
- Small selection of 25 cryptoassets, no staking, no crypto savings plans
- No transfers to or from a personal wallet
- No tax withheld on directly held crypto, gains must be declared yourself
- Crypto ETNs: order fees plus 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 September 2026, without guarantee – check current conditions on bybit.eu.
Features
- EU-regulated (MiCA, FMA Austria)
- Spot fees from 0.10% maker
- Cold-wallet custody and proof of reserves
- 25 cryptoassets tradable directly for 0.6% to 0.7% in total costs including the spread
- Crypto trading in the flatex account alongside shares and ETFs
- Crypto ETNs also available as a savings plan from €25
The five areas head to head
AI AnalysisFees & Costs
Spot trading (VIP 0, crypto pairs): 0.10% maker / 0.25% taker; from 5 October 2026 a flat 0.25%. 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.
Direct crypto trading: total costs of 0.6% including the spread for liquid cryptoassets such as Bitcoin and 0.7% for less liquid ones, each for customary order sizes; orders start at €1. Crypto ETNs: order fee of €5.90 per exchange order plus exchange fees, and ongoing product costs (TER) that vary by issuer. As of September 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. |
| 1 EUR per order, card deposit from 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 not available to EEA retail clients.
For investors in Germany who want to hold crypto with the same broker as their shares and ETFs, flatex is a solid choice: according to flatex, liquid assets such as Bitcoin cost 0.6% in total including the spread, less liquid ones 0.7%, each for customary order sizes. The selection of 25 cryptoassets is small, though, there is no staking and no crypto savings plan, and coins can neither be transferred to your own wallet nor deposited from one. flatex does not withhold tax on crypto gains, because directly held crypto is not subject to Germany's flat-rate withholding tax. Clients without a registered address in Germany cannot use direct crypto trading at all and are left with crypto ETNs. If you want a wide choice of coins or your own wallet, a crypto exchange is the better fit.