ByBit EU vs Smartbroker+ Comparison
In our overall rating Smartbroker+ leads with 4.4 out of 5 points, ahead of ByBit EU with 4.1. Our table lists the trading fee as “0.25% maker; 0.25% taker” for ByBit EU and “0.9 %” for Smartbroker+. ByBit EU has the better score in all five sub-ratings. ByBit EU lists more cryptocurrencies (more than 100) than Smartbroker+ (39).
| 0.25% maker 0.25% taker | Fees | 0.9 % |
| — | Minimum cost per €1,000 | € 9.00 |
| +100 | Cryptos | 39 |
| SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay | 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 A price markup in the spread is not included, because most providers do not publish it.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 | € 9.00 |
| 0.25% maker 0.25% taker | Fees | 0.9 % |
| — | Wallet transfer | – |
| — | Cost transparency | Limited |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | € 0.01 |
| SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay | Payment Methods | SEPA Transfer |
Bybit EU charges fixed maker and taker rates for spot trading. For pairs against the euro the rate falls with your trading volume over the last 30 days; from VIP 1 the same rate applies to both pair types.
| Transaction | Cost at Bybit EU |
|---|---|
| Spot, crypto pairs, regular user | 0.25% maker, 0.25% taker |
| Spot, EUR pairs, up to USD 100,000 volume in 30 days | 0.25% maker and taker |
| Spot, EUR pairs, USD 100,000 to 250,000 | 0.22% maker and taker |
| Spot, EUR pairs, USD 250,000 to 500,000 | 0.2% maker and taker |
| Spot, EUR pairs, from USD 500,000 | 0.15% maker and taker |
| VIP 1, all spot pairs | 0.12% maker and taker |
| EUR deposits and withdrawals | fee shown before the transaction |
| Crypto withdrawals | network fee per coin |
How to save: If you trade larger amounts against the euro, the volume tiers on EUR pairs pay off: from USD 500,000 in 30 days the rate is 0.15%. From VIP 1 the rate for all spot pairs drops to 0.12%. See how Bybit EU compares on fees in our crypto exchange comparison.
Fees as of 1 November 2026 according to the Bybit EU fee schedule.
Bybit EU bonus and offers (November 2026)
New Bybit Card users get a welcome package: apply for the card in the app and top up at least 100 USDC or the equivalent to receive 10% cashback on eligible purchases in the first 30 days, up to €120. On top, you get up to €50 cashback on selected subscriptions such as ChatGPT and Netflix in the first month. The Bybit EU terms and conditions apply.
You can open a Bybit EU account through our partner link to Bybit EU; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.
For crypto trades, Smartbroker+ charges a 0.90% mark-up when buying and a 0.90% mark-down when selling on the trading venue's price. The quoted price also contains the trading venue's own margin. Trading runs around the clock against euros, via market order.
| Transaction | Cost at Smartbroker+ |
|---|---|
| Buying or selling a cryptocurrency | 0.90% of the trade value plus the trading venue's mark-up or mark-down |
| Order under €500 | an extra €1 small-order surcharge |
| Order size | from €0.01 to €100,000 per order |
| Securities account and crypto wallet | free, no system fee |
| Savings plan on one of 35 crypto ETPs | no order fee, plus customary spreads and product costs |
| Deposit by SEPA direct debit | up to €5,000 per deposit and €12,000 per month, funds tradable within seconds |
How to save: From an order volume of €500, the small-order surcharge no longer applies. On a €100 order it amounts to 1%, so together with the 0.90% you pay 1.90% plus the trading venue's mark-up. If you want to invest regularly, a savings plan on a crypto ETP runs without an order fee; you then hold a security rather than your own coins.
As of 1 November 2026 according to the Smartbroker+ conditions page and its crypto price and service schedule.
Pros & Cons
- MiCA licence from Austria's FMA since May 2025, valid across the EU
- Spot from 0.25% maker and taker, euro pairs 0.15% above $500,000 volume, 0.12% from VIP 1
- More than 100 coins, 17 of them tradable directly against the euro
- 1:1 reserves according to Bybit EU, assets held largely in cold storage, 2FA
- Bybit Card welcome package: 10% cashback up to €120
- App for iOS and Android, based in Vienna
- Spot trading only for EEA retail clients, no futures
- Bybit group hack in February 2025 (about $1.4 billion in ether), loss covered by the exchange
- Own counterparty list: transactions with listed services can lead to an account freeze
- The number of features can overwhelm complete beginners
- 39 cryptocurrencies tradable alongside stocks, ETFs, and derivatives
- Savings plans on 35 crypto ETPs with no order fee, plus more than 10,800 savings plans on stocks, ETFs and funds
- Crypto custodian Tangany GmbH, authorised by BaFin under MiCAR since August 2025
- Minimum investment possible from just 0.01 €
- App available for iOS, Android, and web use
- Deposits by SEPA direct debit can be traded within seconds
- No transfers to or from your own wallets: crypto can only be bought and sold within Smartbroker+
- No staking for directly held cryptocurrencies
- On top of the 0.90%, the trading venue's mark-up or mark-down applies, plus a €1 small-order surcharge on orders under €500
- Crypto wallet requires residence in Germany, and trading is only against euros via market order
- Waiting time after registration until first trade is occasionally criticized
Score Comparison
User Experiences
AI AnalysisAccording to reviews, Smartbroker+ is generally often described as clear and easy to understand. Users particularly appreciate the simple app experience as well as low fees and conditions, while support-related topics and individual technical points are perceived by some users as having room for improvement.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. Investing in crypto assets carries a high level of risk, up to and including total loss of capital. This is not investment advice. Figures without guarantee; check current conditions on bybit.eu.
Features
| not specified | Savings plan | available |
| not specified | Staking | not available |
| not specified | Wallet transfer | not available |
| not specified | Credit card payment | not available |
| not specified | BaFin-regulated custodian | available |
| not specified | Web platform | available |
| not specified | Mobile app (iOS/Android) | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA transfer | available |
- EU-regulated (MiCA, FMA Austria), valid in 29 EEA countries
- Spot from 0.25%, euro pairs from 0.15%
- 1:1 reserves and cold-wallet custody
- Neobroker with stocks, ETFs, derivatives, and crypto on one platform
- BaFin-licensed crypto custodian Tangany GmbH
- Crypto purchases from €0.01, crypto ETP savings plans with no order fee
- Trading fees of 0.9 % for crypto
The five areas head to head
AI AnalysisFees & Costs
Spot trading (VIP 0, crypto pairs): 0.25% maker / 0.25% taker (as of 1 November 2026). 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.
According to reviews, Smartbroker+ fees are often viewed positively. Users particularly appreciate the low fees and conditions, which are generally perceived as inexpensive. Overall, the pricing data gives a largely positive impression.
Usability & User Experience
Not enough reviews available.
Users particularly appreciate the clear and intuitive operation of the Smartbroker+ app. According to reviews, the application is often perceived as easy to use, which makes getting started easier. However, some users also report that the interface can be confusing, so this area is described in individual cases as having room for improvement.
Features & Offering
Not enough reviews available.
Some users would like additional convenience features such as direct debit for savings plans, instant or real-time transfers, and notes for the watchlist. According to reviews, the newsletter is also occasionally perceived as rather limited.
Stability & Security
Not enough reviews available.
Regarding stability and reliability, users occasionally report technical issues or longer loading times. Overall, the available reviews in this area do not point to a clearly positive or negative picture.
Customer Support
Not enough reviews available.
When it comes to support, users in the reviews report mixed experiences comparatively often. In some cases, poor customer service, unanswered email requests, or a lack of support are mentioned, which is why this area is considered to have room for improvement from the users' perspective.
Details
| Bybit EU GmbH | Company | Smartbroker AG |
| 2018 | Founded | 2019 |
| MiCAR license via FMA | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | € 0.01 |
| Identity verification (required for fiat deposits and withdrawals) | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Smartbroker+ leads with 4.4 against 4.1 for ByBit EU.
For most investors Smartbroker+ is therefore the better choice.
In short: Bybit EU combines the technology of one of the largest crypto exchanges with an EU licence: spot trading in more than 100 coins, fixed rates from 0.25% that fall to 0.15% with high euro volume, and a crypto card. For retail clients in the EEA, Bybit EU focuses on spot trading. If you want to buy and hold crypto at a large exchange with a European licence, Bybit EU fits.
Is Bybit safe and licensed in the EU?
Yes, Bybit EU may serve customers across the EU. Bybit EU GmbH, based in Vienna, has been authorised as a crypto-asset service provider under Article 63 MiCA since 28 May 2025, licensed by Austria's Financial Market Authority (FMA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers custody, exchanging crypto for money and for other crypto, placing and transfer services. Bybit EU itself points out that certain offers on bybit.eu fall outside MiCA supervision; each product page states the framework.
The hack of 21 February 2025: Attackers took ether worth about $1.4 to $1.5 billion from a Bybit group multisig cold wallet by slipping a manipulated transaction past the signers. The FBI attributed the attack to the North Korean group TraderTraitor, better known as Lazarus. On the same day Bybit stated that all client assets were backed 1:1 and that the exchange would cover the loss; withdrawals kept running. On bybit.eu, Bybit EU states 1:1 reserves for all user assets.
Counterparty list: Since September 2026 Bybit has published a list of services its customers must not transact with. If screening flags one of them, Bybit can freeze accounts or restrict funds. Our report on the Bybit counterparty list explains what to check in your payment history.
What you can do yourself: turn on two-factor authentication and a withdrawal address whitelist, keep proof of origin for coins bought peer to peer, and store larger amounts on your own hardware wallet.
Who is Bybit EU for?
Bybit EU suits investors in the EU who want spot trading at a large international exchange with a European licence and who like to pay with crypto. Anyone who regularly trades larger amounts against the euro benefits from the volume tiers. Our comparison of regulated crypto exchanges sets Bybit EU against other licensed exchanges such as OKX, Kraken and Bitvavo.
Smartbroker+ is perceived in the DACH region as a multi-asset broker that combines cryptocurrencies with stocks, ETFs, and derivatives on one platform. With 39 tradable cryptocurrencies and custody via Tangany GmbH, which has held a MiCAR authorisation from BaFin since August 2025, the provider is considered to be on solid regulatory footing. Smartbroker AG has notified BaFin under MiCAR that it receives and transmits crypto orders, which are executed via Baader Bank. Trading fees of 0.9 % for crypto are in the mid-range among German neobrokers; the trading venue's mark-up or mark-down and a €1 small-order surcharge below €500 come on top.
Users appreciate that crypto can be bought from as little as €0.01, which enables an especially accessible entry point. Regular investing works through savings plans on 35 crypto ETPs, which run without an order fee. The platform is available via app and web and is aimed at investors who want to manage different asset classes centrally. For users who already invest in stocks and ETFs and want to add crypto as an additional component, Smartbroker+ is seen as a practical solution.
Transfers to or from personal wallets are not possible, and staking is not offered for directly held cryptocurrencies; both are occasionally criticized by users. Deposits come only from the registered reference account, either by SEPA direct debit with funds available within seconds or by bank transfer. Users see room for improvement in the waiting time after registration, and the crypto wallet requires residence in Germany. Smartbroker+ is therefore particularly suitable for securities investors in the DACH region looking for a German broker with BaFin-regulated crypto custody and a broad product range.