crypto.com vs Smartbroker+ Comparison
In our overall rating Smartbroker+ leads with 4.4 out of 5 points, ahead of crypto.com with 4.2. On disclosed fees crypto.com is cheaper: 0.8 % instead of 0.9 % trading fee, which means € 8.00 instead of € 9.00 per €1,000 purchase. If you care most about features and support, crypto.com has the better sub-scores.
| 0.8 % | Fees | 0.9 % |
| € 8.00 | Minimum cost per €1,000 | € 9.00 |
| 400+ | Cryptos | 39 |
| 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 A price markup in the spread is not included, because most providers do not publish it.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 | € 9.00 |
| 0.8 % | Fees | 0.9 % |
| € 44.81 | Wallet transfer | – |
| No | Cost transparency | Limited |
| € 3 | Minimum Amount | € 0.01 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On disclosed fees you pay €1.00 less at crypto.com 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 subscription from USD 6.99 per month | trading without a trading fee, scope depends on the tier |
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. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to the Crypto.com Help Center, Fees & Limits (EEA).
Not enough reviews available.
Pros & Cons
- Over 400 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
- 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
- 39 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
- 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
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.
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
| available | Savings plan | available |
| available | Staking | not available |
| not available | Wallet transfer | not available |
| 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 available |
| available | Mobile app (iOS/Android) | available |
| not available | Web platform | available |
| not specified | BaFin-regulated custodian | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA transfer | available |
- VISA debit card with cashback program
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta, regulated EU-wide (as of October 2026)
- 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 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.
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
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.
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
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.
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
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.
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
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.
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
| Foris DAX MT Limited | Company | Smartbroker AG |
| 2016 | Founded | 2019 |
| Fully MiCA Compliant | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
| € 3 | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Smartbroker+ leads with 4.4 against 4.2 for crypto.com.
On disclosed fees you pay €1.00 less at crypto.com per €1,000 purchase.
For most investors Smartbroker+ is therefore the better choice.
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 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 issued by the Malta Financial Services Authority (MFSA), 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.
Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback.
Smartbroker+ is perceived in the DACH region as a multi-asset broker that combines cryptocurrencies with stocks, ETFs, and derivatives on one platform. With 39 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.