ByBit EU vs Trade Republic Comparison
In our overall rating ByBit EU leads with 4.1 out of 5 points, ahead of Trade Republic with 2.9. Our table lists the trading fee as “0.25% maker; 0.25% taker” for ByBit EU and “0 %” for Trade Republic. ByBit EU has the better score in all five sub-ratings. ByBit EU lists more cryptocurrencies (more than 100) than Trade Republic (50).
| 0.25% maker 0.25% taker | Fees | 0 % |
| — | Minimum cost per €1,000 | € 1.00 + spread |
| +100 | Cryptos | 50 |
| SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| MiCAR license via FMA | Regulation | Full banking licence from BaFin, crypto services notified under MiCA (Art. 60) |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 1.00 + spread |
| 0.25% maker 0.25% taker | Fees | 0 % |
| — | Wallet transfer | € 0 + network fee |
| — | Cost transparency | Limited |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | € 1 |
| SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
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.
Trade Republic charges no order commission for crypto trading. Each single order carries a flat fee of EUR 1, while savings plans run without it. Every purchase and sale also includes the spread, the gap between buy and sell price, which is built into the quoted price.
| Transaction | Cost at Trade Republic |
|---|---|
| Buying or selling a cryptocurrency (single order) | EUR 1 flat fee per order, no order commission, plus the spread |
| Crypto savings plan from EUR 1 | no flat fee, only the spread |
| Custody of your coins | free, most of it held in cold wallets at BitGo Europe GmbH |
| Sending to and receiving from external wallets | no Trade Republic fee, only the blockchain's network costs |
| Staking, including SOL, ETH and DOT | no additional fee, the app shows the net yield |
| Paying with crypto via the card | only the spread; 2% Crypto Saveback on up to EUR 1,500 card spending per month if at least EUR 50 goes into savings plans each month |
| Card: monthly fee and withdrawals | free, withdrawals under EUR 100 cost EUR 1 |
How to save: If you buy regularly, use the savings plan, since the EUR 1 flat fee does not apply there. For single orders, larger amounts pay off: on EUR 50 the flat fee is 2%, on EUR 1,000 only 0.1%. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to Trade Republic's crypto page and price overview and its help article on crypto fees (German price list).
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
- MiCA authorisation from BaFin, listed in the French AMF's CASP register as “Licensed MICA” with Germany as the licensing country
- Savings plans for crypto, stocks and ETFs from €1
- Crypto transfers to and from external wallets with no transaction fee charged by Trade Republic
- Staking available, according to the provider for SOL, ETH and DOT among others, at no extra charge
- 2 % Crypto Saveback on card payments up to €1,500 per month
- No order commission on crypto: EUR 1 flat fee per single order, savings plans without it, plus the spread
- 50 cryptocurrencies tradable alongside stocks and ETFs
- Deposits via SEPA, SEPA instant transfer and credit card
- Trade Republic's own help pages contradict its product page: on 1 November 2026 they still stated that sending and receiving crypto was not possible
- Cost transparency on crypto spreads has room for improvement, according to users
- SMS-based two-factor authentication; stronger methods would be welcome
Score Comparison
User Experiences
AI AnalysisAccording to the evaluated user data, Trade Republic is especially appreciated for its intuitive and clear app. At the same time, users report room for improvement in support, while fees and individual aspects of the app are perceived in mixed ways according to reviews.
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 | available |
| not specified | BaFin regulation | available |
| not specified | Web platform | available |
| not specified | Mobile app (iOS/Android) | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA instant 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 for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- MiCA authorisation from BaFin, based in Germany
- 50 tradable cryptocurrencies
- Wallet transfers and staking available
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.
When it comes to fees and costs, user opinions are mixed. Some users describe Trade Republic as inexpensive, while according to reviews, higher fees are also occasionally criticized.
Usability & User Experience
Not enough reviews available.
Users particularly appreciate Trade Republic for its intuitive, clear, and easy-to-use app. According to reviews, the application is often described as beginner-friendly, which makes getting started easier. However, the app is also occasionally described as somewhat unclear.
Features & Offering
Not enough reviews available.
Users repeatedly wish for availability in Switzerland, an iPad version, and a CSV export. According to reviews, a simpler tax overview and the option for automatic dividend reinvestment are also mentioned occasionally. Wishes are also expressed in the available user data regarding the search function and stop-limit orders.
Stability & Security
Not enough reviews available.
Users report mixed experiences regarding stability and reliability. It is occasionally mentioned that the app crashes, while others describe the app as easy to use in everyday life.
Customer Support
Not enough reviews available.
When it comes to support, many users report room for improvement. According to reviews, it is often mentioned that customer service is difficult to reach or that responses take a while to arrive. In direct contact in particular, users therefore rate support critically.
Details
| Bybit EU GmbH | Company | Trade Republic Bank GmbH |
| 2018 | Founded | 2015 |
| MiCAR license via FMA | Regulation | Full banking licence from BaFin, crypto services notified under MiCA (Art. 60) |
| 1 EUR per order, card deposit from 10 USD | Minimum Amount | € 1 |
| Identity verification (required for fiat deposits and withdrawals) | KYC | Video-ID |
Verdict
In our overall rating ByBit EU leads with 4.1 against 2.9 for Trade Republic.
For most investors ByBit EU 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.
Trade Republic is considered one of the best-known neobrokers in the DACH region and is used by many users as an entry point into the world of cryptocurrencies. Trade Republic is a bank supervised by BaFin and, in addition to 50 cryptocurrencies, also offers stocks, ETFs, and derivatives from a single source. By its own account it is one of the first banks in Europe authorised under the EU's MiCA regulation; ESMA's register has listed the crypto services of Trade Republic Bank GmbH since 28 April 2025, notified to BaFin as a bank under Article 60 of MiCA. Users appreciate that Trade Republic charges no order commission; each single order costs a flat EUR 1, savings plans run without it, and the remaining costs arise through the spread, whose transparency is occasionally rated as room for improvement.
Particularly appreciated are the savings plans from €1, which make it easy to get started with regular crypto investing. For investors who want to manage crypto, stocks, and ETFs in a single app, Trade Republic is considered one of the most accessible solutions on the German market. The app is described as intuitive and clearly geared toward beginners and occasional investors.
The Crypto Wallet lets you send cryptocurrencies to external wallets and receive them from there, according to Trade Republic without any transaction fees of its own. The SMS-based 2FA security is also considered room for improvement. Trade Republic is therefore especially suitable for investors looking for a regulated, uncomplicated way to access cryptocurrencies as part of a broad securities offering and who want to be able to move their coins to a wallet of their own.