crypto.com vs justTrade Comparison

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.

In the DACH region, justTrade was long perceived as a fee-free trading model. That is no longer the case: under the price and services list dated 1 September 2026, the bank charges an order commission of 0.125 % of the order volume for executing orders in crypto assets, plus the trading venue’s spread. It remains inexpensive by comparison, but it is not free.

73 crypto assets and 94 crypto ETPs are tradable, 43 of them eligible for savings plans. The minimum order volume is €25, and fractional purchases are possible. The service is processed via the BaFin-licensed Sutor Bank, and the crypto assets are held by Tangany GmbH in Munich. In ESMA’s MiCA register (file dated 30 October 2026), Sutor Bank has been notified for crypto services under Article 60 MiCAR since 18 December 2025 and JT Technologies GmbH, under the justTRADE brand, since 14 July 2026; Tangany has held a MiCA authorisation from BaFin since 8 August 2025. For cost-conscious investors who also want to trade stocks and ETFs alongside crypto, justTrade is considered one of the cheaper options.

Also appreciated is the ability to set up crypto savings plans, as well as the 20 % discount at Blockpit for crypto tax reports. The platform can be used via both app and web and is aimed at investors who prefer an uncomplicated trading environment. Staking via crypto ETPs is seen as a useful addition. It is now also possible to stake crypto assets directly: flexible staking for Ethereum, Solana and Cardano is activated in the settings via the custodian Tangany and can be ended at any time.

However, wallet transfers to personal wallets are not possible, which is occasionally criticized by users. Multi-factor authentication is active from account opening: on the web via push through the app or by email, in the app by email code, with SMS as a fallback. justTrade is therefore particularly suitable for price-conscious beginners and occasional investors looking for inexpensive access to crypto and securities in a regulated German environment.