crypto.com vs Flatex Comparison
In our overall rating crypto.com leads with 4.2 out of 5 points, ahead of Flatex with 3.1. On disclosed fees Flatex is cheaper: 0.7 % instead of 0.8 % trading fee, which means € 7.00 instead of € 8.00 per €1,000 purchase. Flatex has the better score in all five sub-ratings. crypto.com lists more cryptocurrencies (more than 400) than Flatex (20).
| 0.8 % | Fees | 0.7 % |
| € 8.00 | Minimum cost per €1,000 | € 7.00 |
| 400+ | Cryptos | 20 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| Fully MiCA Compliant | 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 A price markup in the spread is not included, because most providers do not publish it.
| € 8.00 | Minimum cost per €1,000 | € 7.00 |
| 0.8 % | Fees | 0.7 % |
| € 44.81 | Wallet transfer | – |
| No | Cost transparency | Limited |
| € 3 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On disclosed fees you pay €1.00 less at Flatex per €1,000 purchase.
In the Crypto.com App, users in the European Economic Area pay a fixed fee per purchase; the trade preview shows the exact fee before you confirm. EUR deposits by bank transfer are free.
| Transaction | Cost at Crypto.com |
|---|---|
| Purchase with EUR balance | 0.80% |
| Crypto-to-crypto exchange | 0.80% |
| Purchase by debit or credit card | up to 4% |
| EUR deposit by bank transfer | free |
| EUR withdrawal via SEPA | EUR 1 per withdrawal, minimum EUR 80 |
| Sending crypto to other Crypto.com users | free |
| Crypto withdrawal to an external address | network fee per coin and network |
| Level Up Plus subscription, no trading fee on up to US$20,000 a month | €3.99 a month or €39.90 a year |
| Level Up Pro subscription, no trading fee on up to US$50,000 a month | €24.99 a month or €249.90 a year |
| Visa card: payments in a foreign currency outside the EU and UK | 2% on Midnight, on Ruby above €400 and on Jade and Indigo above €800 a month (since 1 October 2026) |
| Visa card without spending after twelve months | €6 a month (since 1 October 2026) |
How to save: Deposit by bank transfer and buy with your EUR balance instead of a card: on EUR 1,000 that is EUR 8 instead of up to EUR 40. Bundle EUR withdrawals, since each costs EUR 1. Frequent traders should look at the Level Up subscription: Plus waives the 0.80% on up to US$20,000 of trading a month and pays for itself from roughly €500 of purchases a month; according to Crypto.com, spreads may still apply. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to the Crypto.com Help Center, Fees & Limits (EEA), the Visa card fee overview for Europe and the Level Up page for the EEA.
Not enough reviews available.
Pros & Cons
- Over 400 cryptocurrencies available
- Own Visa prepaid card with crypto cashback: from the Plus tier (formerly Ruby) 1.5% on up to US$750 of card spending a month, up to 4.5% in the top tiers
- Savings plan and staking are offered
- Free EUR deposits by SEPA transfer, plus Apple Pay and Google Pay
- Minimum investment possible from €3
- MiCA licence from Malta's MFSA since 27 January 2025, plus licences as an e-money institution and investment firm
- Card purchases cost up to 4%
- EUR withdrawals via SEPA cost EUR 1, minimum EUR 80
- Cost transparency is rated as limited
- 0.80% fee per purchase in the app
- Cashback only on paid tiers: the free Midnight card earns 0%, Level Up Plus costs €3.99 a month
- Higher card fees since 1 October 2026: a 2% foreign transaction fee outside the EU and UK now also applies to Ruby (above €400 a month) and Jade and Indigo (above €800), and an unused card costs €6 a month after twelve months
- BaFin-regulated German bank with a full licence, notified under MiCA for crypto trading since April 2025
- 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 in Munich, authorised by BaFin under MiCA since August 2025
- 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 AnalysisBased on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. This analysis is based on 1674 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher, the platform ratings (star ratings) shown refer to all reviews available there. The ratings shown reflect users' experiences and do not represent our own assessment by the site operator. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | not specified |
| available | Staking | not specified |
| not available | Wallet transfer | not specified |
| not available | Cost transparency | not specified |
| not available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not specified |
| available | Mobile app (iOS/Android) | not specified |
| not available | Web platform | not specified |
- Visa prepaid card with crypto cashback
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta since January 2025, valid across the EU
- 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
- More than 55 crypto ETNs also available as a savings plan from €1, with no order commission
The five areas head to head
AI AnalysisFees & Costs
According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.
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 commission from €5.90 per order plus third-party costs (a flat €2.00 at Tradegate, gettex, Lang & Schwarz and other venues), €0 for the nxtAssets ETNs on Bitcoin, Ethereum and XRP bought off-exchange from €1,000; savings plans in crypto ETNs from €1 with no order commission. Spreads and ongoing product costs (TER) depending on the issuer come on top. As of 1 November 2026.
Usability & User Experience
Users particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.
Not enough reviews available.
Features & Offering
Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.
Not enough reviews available.
Stability & Security
Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.
Not enough reviews available.
Customer Support
When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.
Not enough reviews available.
Details
| Foris DAX MT Limited | Company | flatexDEGIRO Bank AG |
| 2016 | Founded | 2005 |
| Fully MiCA Compliant | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 3 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating crypto.com leads with 4.2 against 3.1 for Flatex.
On disclosed fees you pay €1.00 less at Flatex per €1,000 purchase.
For most investors crypto.com is therefore the better choice.
Crypto.com is especially valued for its own Visa card with cashback program, which is considered a unique selling point in the crypto market. With more than 400 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.
In Germany, Crypto.com operates under the MiCA licence that the Malta Financial Services Authority (MFSA) granted to Foris DAX MT Limited on 27 January 2025 and which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.
The card terms changed in 2026: cashback is only paid on the paid tiers, with Level Up Plus at €3.99 a month earning 1.5% on up to US$750 of card spending a month and the top tiers up to 4.5%; the free Midnight card earns 0%. Since 1 October 2026, Ruby, Jade and Indigo also pay a 2% foreign transaction fee outside the EU and UK above a monthly allowance of €400 or €800, and a card without spending costs €6 a month after twelve months.
Crypto.com is mainly considered suitable for users who want to actively use the Visa card with cashback and are prepared to pay for a Level Up tier.
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. Since April 2025 the bank has been notified to BaFin under MiCA for executing crypto orders, and its custodian Tangany has held a MiCA authorisation since August 2025. In France, the Netherlands and Spain the same bank has offered direct crypto trading under the DEGIRO brand since September 2025. If you prefer securities, more than 55 crypto ETNs can be bought through a savings plan from €1 with no order commission. If you want a wide choice of coins or your own wallet, a crypto exchange is the better fit.