crypto.com vs Smartbroker+ Comparison

crypto.com
crypto.com
4.2of 5
Go to crypto.com
vs
Smartbroker+
Smartbroker+
Winner
4.4of 5
Go to Smartbroker+
1.2 %Fees0.9 %
€ 12.00Cost for €1,000€ 9.00
350+Cryptos25
SEPA Instant Transfer, SEPA Transfer, Credit CardPayment MethodsSEPA Transfer
Fully MiCA CompliantRegulationCrypto custodian Tangany GmbH has a BaFin license

Cost comparison

The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.

crypto.comSmartbroker+
€ 12.00Cost for €1,000€ 9.00
1.2 %Fees0.9 %
€ 44.81Wallet transfer
NoCost transparencyLimited
€ 3Minimum Amount€ 0.01
SEPA Instant Transfer, SEPA Transfer, Credit CardPayment MethodsSEPA Transfer

On a €1,000 purchase you pay €3.00 less at Smartbroker+.

Pros & Cons

crypto.com
crypto.com
Pros
  • Over 350 cryptocurrencies available
  • Own VISA debit card with cashback program
  • Savings plan and staking are offered
  • Payment methods: SEPA, SEPA instant transfer, and credit card
  • Minimum investment possible from €3
Cons
  • No BaFin license for the German market
  • Withdrawal fees of around €44.81 room for improvement
  • Cost transparency is rated as limited
  • Trading fees of 1.2% occasionally criticized
crypto.com Reviews
Smartbroker+
Smartbroker+
Pros
  • 25 cryptocurrencies tradable alongside stocks, ETFs, and derivatives
  • Savings plans available for crypto and securities
  • Crypto custodian Tangany GmbH with BaFin license
  • Minimum investment possible from just 0.01 €
  • App available for iOS, Android, and web use
Cons
  • Wallet transfer to personal wallets not possible – occasionally criticized by users
  • Staking features currently not available – room for improvement
  • Deposits only via SEPA transfer – additional payment methods have room for improvement
  • Waiting time after registration until first trade is occasionally criticized
Smartbroker+ Reviews

Score Comparison

2.9Usability2.9
3.1Features2.9
2.7Fees3.0
2.6Stability2.5
2.7Support2.5

User Experiences

AI Analysis
4.6
App Store
4.3
4.4
Google Play
4.1
1.3
Trustpilot
3.4
crypto.com
crypto.com

Based 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.

Smartbroker+
Smartbroker+

According 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.

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

crypto.comSmartbroker+
Savings plan
Staking
Wallet transfer
Cost transparency
2FA security
Anti-phishing code
SEPA instant transfer
Credit card
Mobile app (iOS/Android)
Web platform
Credit card payment
BaFin-regulated custodian
Stocks & ETFs
SEPA transfer
crypto.com
crypto.comHighlights
  • VISA debit card with cashback program
  • 350+ cryptocurrencies available
  • Savings plan and staking on one platform
  • On the market since 2016
Smartbroker+
Smartbroker+Highlights
  • Neobroker with stocks, ETFs, derivatives, and crypto on one platform
  • BaFin-licensed crypto custodian Tangany GmbH
  • Savings plans from 0.01 € for accessible investing
  • Trading fees of 0.9 % for crypto

The five areas head to head

AI Analysis

Fees & Costs

crypto.com
crypto.com

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.

Smartbroker+
Smartbroker+

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

crypto.com
crypto.com

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.

Smartbroker+
Smartbroker+

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

crypto.com
crypto.com

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.

Smartbroker+
Smartbroker+

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

crypto.com
crypto.com

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.

Smartbroker+
Smartbroker+

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

crypto.com
crypto.com

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.

Smartbroker+
Smartbroker+

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

crypto.comSmartbroker+
Foris DAX Asia Pte. LtdCompanySmartbroker AG
2016Founded2019
Fully MiCA CompliantRegulationCrypto custodian Tangany GmbH has a BaFin license
€ 3Minimum Amount€ 0.01
Photo IDKYCeID, Video-ID, PostIdent

Verdict

In our overall rating Smartbroker+ leads with 4.4 against 4.2 for crypto.com.

On a €1,000 purchase you pay €3.00 less at Smartbroker+.

For most investors Smartbroker+ is therefore the better choice.

crypto.comOur Opinion

Crypto.com is especially valued for its own VISA debit card with cashback program, which is considered a unique selling point in the crypto market. With more than 350 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.

For the German market, it should be noted that Crypto.com currently does not have a BaFin license for the German market. The trading fees of 1.2% and, in particular, the withdrawal fees of around €44.81 are occasionally criticized. Limited cost transparency and the lack of a web platform — use is only possible via the app — are also room for improvement.

Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback and are willing to accept the missing BaFin license.

Smartbroker+Our Opinion

Smartbroker+ is perceived in the DACH region as a multi-asset broker that combines cryptocurrencies with stocks, ETFs, and derivatives on one platform. With 25 tradable cryptocurrencies and custody via the BaFin-licensed Tangany GmbH, the provider is considered to be on solid regulatory footing. Trading fees of 0.9 % for crypto are in the mid-range among German neobrokers.

The option to set up savings plans from as little as 0.01 € is appreciated, as it enables an especially accessible entry point. 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.

Wallet transfers to personal wallets are currently not possible, and staking features are not offered — both are occasionally criticized by users. The limited deposit methods, restricted to SEPA transfers, and the waiting time after registration are also considered to have room for improvement. 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.