ByBit EU vs Trade Republic Comparison
| 0.1% | Fees | 0 % |
| — | Cost for €1,000 | € 9.00 |
| +100 | Cryptos | 50+ |
| — | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| MiCAR license via FMA | Regulation | BaFin license as a securities institution |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| — | Cost for €1,000 | € 9.00 |
| 0.1% | Fees | 0 % |
| — | Wallet transfer | – |
| — | Cost transparency | Limited |
| ~$5-10 USD | Minimum Amount | € 1 |
| — | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
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-licensed as a securities institution based in Germany
- Savings plans for crypto, stocks, and ETFs available from €1
- No explicit trading fees for crypto – 0 % trading fees
- Over 50 cryptocurrencies tradable alongside stocks and ETFs
- Deposits via SEPA, SEPA instant transfer, and credit card
- Wallet transfer to your own wallets currently not available – occasionally criticized by users
- Cost transparency on crypto spreads, according to users, has room for improvement
- SMS-based 2FA security – advanced authentication has room for improvement
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.
Investing 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
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA instant transfer | ✓ |
- EU-regulated (MiCA, FMA Austria)
- Competitive spot and futures fees
- Cold-wallet custody and proof of reserves
- Neobroker for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- BaFin-regulated with a German bank account
- Over 50 tradable cryptocurrencies
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.
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 | BaFin license as a securities institution |
| ~$5-10 USD | Minimum Amount | € 1 |
| — | 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.
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.
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. The broker is licensed as a securities institution by BaFin and, in addition to over 50 cryptocurrencies, also offers stocks, ETFs, and derivatives from a single source. The removal of explicit trading fees is viewed positively by users, although the actual costs arise through the spread — here, 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.
However, wallet transfers to your own wallets are currently not possible, which is occasionally criticized by more experienced crypto users. 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 — less so for users who value self-custody.