eToro vs Kraken Comparison
| 1% crypto fee + spread | Fees | 0.99 % |
| € 10.00 | Minimum cost per €1,000 | € 9.90 |
| 110+ | Cryptos | 629 |
| SEPA Transfer (min. $50), Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, PayPal, Credit Card |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | EU: MiCA USA: CFTC UK: FCA |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 10.00 | Minimum cost per €1,000 | € 9.90 |
| 1% crypto fee + spread | Fees | 0.99 % |
| – | Wallet transfer | € 1.49 |
| No | Cost transparency | Limited |
| approx. € 50 | Minimum Amount | € 1 |
| SEPA Transfer (min. $50), Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, PayPal, Credit Card |
On disclosed fees there is nothing between the two providers.
Pros & Cons
- Trade over 100 verified cryptoassets according to the website
- CopyTrader is available for automatically copying other traders
- Multi-asset offering with stocks, ETFs, indices, commodities and currencies
- Demo account and Academy with courses, webinars and tutorials available
- Crypto wallet and wallet transfer within the eToro ecosystem available
- Fee structure with additional costs depending on the product has room for improvement
- Staking and individual features are partly limited by region and have room for improvement
- Extended crypto functions and club benefits are occasionally tied to conditions
- 629 cryptocurrencies tradable, 516 of them directly against the euro (measured on 3 September 2026 via Kraken's public API)
- MiCA authorisation in the EEA through Payward Europe Solutions Limited, Ireland, supervised by the Central Bank of Ireland
- Savings plan and staking are offered
- On the market since 2011, one of the oldest crypto exchanges
- Kraken Pro at 0.40 % maker and 0.80 % taker is far cheaper than the simple buy route
- The simple buy route costs 1 % for instant and recurring trades, 1.5 % for custom orders
- The cheaper Pro rates require getting to grips with an order book interface
- Since 9 July 2026 volume tiers apply across products; the tier follows the highest of three values
- Kraken itself gives no consistent coin count, its own pages range from 200+ to 600+
Score Comparison
User Experiences
AI AnalysisAccording to 658 analyzed user reviews, eToro is generally often described as easy to understand and practical for everyday use. Users especially appreciate the intuitive app and the clear layout, while fees and support are more often viewed critically in the user data.
According to the analyzed user reviews, Kraken is often described as simple and easy to understand, especially with regard to the app and basic usability. At the same time, users mainly report criticism of support-related topics and costs, so the overall picture from a user perspective is mixed.
This analysis is based on 1156 user reviews analyzed 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 reviews presented reflect users' experiences and do not represent the website operator's own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | NFT marketplace | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Account lock | ✓ |
| ✓ | SEPA instant bank transfer | ✓ |
| ✓ | PayPal | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
- CopyTrader for mirroring other users' trading decisions
- Cold storage and crypto wallet for custody and transfers within the offering
- On the market since 2011 with a significant market presence
- Comprehensive security protocols incl. 2FA and account lock
- 380+ cryptocurrencies tradable
- Savings plan and staking on one platform
The five areas head to head
AI AnalysisFees & Costs
According to user reviews, the fees at eToro are comparatively often viewed critically. Users report high fees and high spreads. Overall, the fee area in the user data is described as having room for improvement.
The reviews present a mixed picture when it comes to fees and costs: on the one hand, low fees are mentioned positively several times; on the other hand, users criticize high fees. According to user reviews, the perception of costs is therefore not consistent.
Usability & User Experience
Users especially appreciate eToro's intuitive app as well as the clear and very simple operation. According to reviews, getting started is usually quick even for less experienced users, because many processes are described as easy to follow. However, some users occasionally report login issues or that the app does not always start as expected, which means usability is perceived as limited in certain situations.
Users particularly appreciate Kraken’s intuitive app and clear design, which are repeatedly described in reviews as easy to use. According to the reviews, getting started is quick for many users, and overall navigation is also mentioned positively. Some users report that the app does not open immediately, which makes usability appear limited from the perspective of individual reviews.
Features & Offering
Users particularly praise the Copy Trading feature and the many pieces of information available within the platform. According to reviews, the offering is generally seen as helpful for getting started and for finding one's way in the market. At the same time, some users would like to see more coins, additional reminder functions for SL/TP, as well as individual enhancements such as a smartwatch app or more settings for font size.
In the analyzed user reviews, there are only a few recurring statements about features and the offering, which is why this area mainly reveals individual requests. Among other things, users want a candlestick chart, a prediction market, an auto-sell function, a 72-hour timer, and a widget for the app. In addition, some users would like more support for beginners and a calendar. Overall, the feedback mainly shows additional feature requests.
Stability & Security
Regarding stability and reliability, users occasionally report problems when starting the app and login difficulties. In the analyzed user reviews, it is also mentioned that the app does not function as expected in individual cases. However, a reliable overall assessment is only possible to a limited extent based on the user data available.
Regarding stability and reliability, the analyzed user data mainly contains individual critical feedback. Some users report that the app cannot be opened immediately or that withdrawals are perceived as delayed. Overall, however, the available data is not sufficient, according to the reviews, to derive a clearly reliable user picture for this area.
Customer Support
The user data presents a rather critical picture of support. Users report slow support, poor experiences with customer service, or that they do not perceive sufficient support. Accordingly, customer service is more often described in reviews as having room for improvement.
When it comes to support, users comparatively often report longer waiting times or no response at all. According to the reviews, missing help and slow reactions are repeatedly criticized, making this area clearly viewed critically from a user perspective. Individual feedback also suggests that issues are not always resolved promptly.
Details
| eToro Europe Ltd. | Company | Payward Europe Solutions Limited |
| 2007 | Founded | 2011 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | EU: MiCA USA: CFTC UK: FCA |
| approx. € 50 | Minimum Amount | € 1 |
| Video-ID | KYC | Photo ID |
Verdict
Both providers are practically level in our overall rating (4.3 to 4.2).
On disclosed fees there is nothing between the two providers.
eToro is considered one of the best-known multi-asset platforms worldwide and is especially recognized in the DACH region for its CopyTrader feature, which can automatically replicate other users' trading strategies. With more than 100 tradeable cryptoassets, an integrated demo account and an extensive Academy, eToro is seen as an accessible platform particularly suited to beginners.
In addition to crypto, the platform also offers stocks, ETFs, indices and commodities. According to the website, crypto trading in Germany is conducted via DLT Finance, while custody is provided by the BaFin-licensed Tangany GmbH. Staking, savings plans and a dedicated crypto wallet with wallet transfers within the eToro ecosystem are also available.
The fee structure is occasionally viewed by users as having room for improvement, as additional costs may arise depending on the product and usage. Extended crypto features and club benefits are also partly tied to certain conditions. eToro is therefore especially suitable for investors who want to trade crypto in the context of a broad multi-asset offering and value social trading features.
Kraken is considered one of the oldest and most established crypto exchanges and has been active in the market since 2011. With over 380 tradable cryptocurrencies as well as savings plan and staking features, the platform is appreciated by long-term investors. The extensive security protocols, including 2FA and account lock, are rated positively.
The trading fees of 0.99% and total costs of €9.90 per trade are in the middle range compared with cheaper providers. The lack of EU regulation or a BaFin license is occasionally criticized. Cost transparency is regarded as limited, which some users see as room for improvement.
Kraken is considered particularly suitable for investors who value a long-established platform with a wide coin selection and want to use savings plans and staking — even without EU regulation.