eToro vs OKX Comparison
In our overall rating OKX leads with 4.5 out of 5 points, ahead of eToro with 4.3. On disclosed fees OKX is cheaper: € 2.00 instead of € 10.00 per €1,000 purchase. OKX has the better score in all five sub-ratings. eToro lists more than 110 cryptocurrencies, OKX more than 280.
| 1% crypto fee + spread | Fees | 0.2 % |
| € 10.00 | Minimum cost per €1,000 | € 2.00 |
| 110+ | Cryptos | 280+ |
| SEPA Transfer (min. $50), Credit Card, PayPal | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 2.00 |
| 1% crypto fee + spread | Fees | 0.2 % |
| 2 % (with minimum and maximum) + network fee | Wallet transfer | € 1.08 |
| No | Cost transparency | Yes |
| approx. € 50 | Minimum Amount | ~$10 USD |
| SEPA Transfer (min. $50), Credit Card, PayPal | Payment Methods | Deposits: SEPA / SEPA Instant, Easy Transfer, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
On disclosed fees you pay €8.00 less at OKX per €1,000 purchase.
eToro charges a fee per crypto position. The rate depends on your club tier and your monthly crypto volume. The market spread, the gap between buy and sell price, comes on top. The order ticket shows all costs before you confirm.
| Transaction | Cost at eToro |
|---|---|
| Buy or sell crypto, Bronze, Silver, Gold tiers | 1% per position, plus the market spread |
| Crypto, Platinum tier | 0.95% to 0.10% depending on monthly volume |
| Crypto, Diamond tier | 0.85% to 0.10% depending on monthly volume |
| Account opening, management, inactivity | free |
| Withdrawal from the euro account | free |
| Withdrawal from the USD account | $5, minimum withdrawal $30 |
| Transfer of crypto to the eToro Money wallet | 2%, with a minimum and maximum |
| Selling crypto for euros in the eToro Money wallet | 0.6% to 1% depending on club tier |
| Unleveraged crypto CFD, customers in Germany | no overnight fee |
| Stocks | $1 or $2 commission per buy and sell, depending on the exchange |
Example: buying Bitcoin for €1,000 and selling it later costs €10 on the buy and 1% of the sale value on the sell in the Bronze tier, about €20 in total plus spread. How to save: depositing euros into the euro account avoids conversion costs, and larger balances reach a higher club tier with lower crypto fees.
Fees as of 1 November 2026 according to the eToro fee page.
eToro promo code and bonus (November 2026)
Instead of a promo code, eToro runs its Refer a Friend programme. An existing customer shares a personal invitation link. If the new customer registers through it, verifies the account and within 90 days deposits at least $100 and trades at least $100, the referrer receives a reward of $50, $100, $150 or $250 depending on their own balance. The new customer does not receive a reward from this programme, and the reward can only be withdrawn 90 days after it is credited. The terms for eToro (Europe) Ltd cover customers in countries including Germany, Austria, France, Spain and Switzerland (eToro terms, September 2026).
What circulates online as an eToro promo code or coupon is usually another customer's invitation code: the reward goes to the referrer. Discounts on crypto fees come from eToro's club tiers, not from a code.
Promotion until 31 December 2026: if you transfer crypto from an external wallet to eToro and hold it as a position in your portfolio, you receive 5% of your monthly net amount in stocks, worth up to $1,000 per month. Crypto and cash withdrawals in the same month are deducted, and the stocks cannot be withdrawn for one year (eToro promotion terms of 8 October 2026).
OKX Europe charges spot fees by account type: the spot-only account costs 0.10% maker and 0.20% taker in the base tier, the spot and derivatives account 0.08% and 0.10%.
| Transaction | Cost at OKX Europe |
|---|---|
| Spot trading, spot-only account, regular user | 0.10% maker, 0.20% taker |
| Spot trading, spot and derivatives account, regular user | 0.08% maker, 0.10% taker |
| VIP 1 in the spot and derivatives account (from EUR 100,000 assets or EUR 1m volume in 30 days) | 0.0675% maker, 0.08% taker |
| Zero-fee pairs | selected spot pairs at 0% maker and taker |
| Crypto withdrawals | network fee per coin |
How to save: On a EUR 1,000 buy as a taker, the spot-only account costs EUR 2 and the spot and derivatives account EUR 1. Limit orders as a maker are cheaper in both account types. See how OKX compares in our crypto exchange comparison.
Fees as of 1 November 2026 according to the OKX Europe fee page.
OKX bonus and promotions (November 2026)
Welcome bonus of up to €400: if you sign up with the cryptoticker.io referral code and complete account verification, you receive a €100 X-Perps voucher from a deposit of €1. The reward rises with your trading volume: €125 from €25,000, €175 from €75,000, €250 from €150,000 and €400 from €300,000. Crypto rewards are locked for withdrawals for up to 45 days. The programme is open to new users in the EEA; the OKX bonus terms apply.
Further promotions: on USDT you deposit and convert to USDC, OKX pays an 8% bonus, up to €3,500; the promotion ends on 13 November 2026. If you hold a VIP tier at another exchange, you can carry it over to OKX.
You can open an OKX account through our partner link to OKX; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.
Pros & Cons
- MiCA licence from CySEC, valid across the EU
- Custody for customers in Germany at Tangany GmbH, authorised by BaFin
- More than 100 crypto assets plus stocks, ETFs, indices and commodities in one account
- CopyTrader and a demo account with virtual funds
- No account or inactivity fee, free withdrawals from the euro account
- Recurring investments without a currency conversion fee on the deposit
- Crypto costs 1% per buy and sell in the Bronze to Gold club tiers, plus the market spread
- Moving crypto to your own wallet costs 2%
- Some crypto buys can run as CFDs, marked “CFD” in the order ticket; according to eToro, 55% of retail investor accounts lose money on CFDs
- Reduced crypto fees only from the Platinum club tier
- MiCA, MiFID II and payment institution licences via OKX Europe in Malta
- Spot fee of 0.20% taker on a spot-only account, 0.10% with a derivatives account
- Total costs of €2.00 per €1,000
- Proof of reserve is provided
- Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
- Savings plan via recurring buy (daily to monthly) and staking available
- Selection of 280+ cryptocurrencies is room for improvement compared with some competitors
- KYC process with eID and photo ID is occasionally criticized as time-consuming
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, OKX is mentioned by many users for its intuitive app, easy usability, and wide range of coins. At the same time, users also report critical experiences with support, as well as occasionally with blocked accounts or blocked withdrawals.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. 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
| available | Savings plan | available |
| available | Staking | available |
| available | Wallet transfer | available |
| not available | Credit card | not specified |
| available | Futures trading | not specified |
| available | Copy trading | not specified |
| not available | NFT marketplace | not specified |
| available | Tax export | not specified |
| available | Demo mode | not specified |
| not specified | Cost transparency | available |
| not specified | 2FA security | available |
| not specified | Anti-phishing code | available |
| not specified | Passkey login | available |
| not specified | Wallet whitelist | available |
| not specified | Mobile app (iOS/Android) | available |
| not specified | Web platform | available |
- CopyTrader to mirror other investors' positions
- Crypto, stocks, ETFs and commodities in one account
- MiCA licence from CySEC, custody through Tangany
- One of the first exchanges with a MiCA license in the EU
- Total costs of €2.00 per €1,000 on a spot-only account
- Proof of reserve available for transparency
- Express purchases via PayPal, Apple Pay, and Google Pay possible
- Minimum investment from just 1 €
- Futures and spot margin up to 10x, tokenized stocks and ETFs
- OKX Shield: protection against third-party account takeovers, up to €500,000 depending on account tier
- OKX Card (Mastercard) with no monthly or annual card fee
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.
When it comes to fees, users report a mixed impression: on the one hand, low costs are mentioned; on the other hand, some users perceive the fees as high. According to reviews, the perception of costs from the user perspective apparently depends on usage and transaction type.
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.
According to reviews, users at OKX especially appreciate the intuitive app, the easy handling, and the clean interface. In everyday use, the platform is described by many as easy to understand. Occasionally, users also would like a German-language interface and a landscape mode.
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.
According to user reviews, the range of coins and features is viewed positively by many. Users report that the platform is experienced as versatile and offers different use cases. Occasionally, users would like more fiat options, additional bot options, and adjustments to the withdrawal whitelist.
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, users report in some cases smooth usage and in other cases problems related to accounts or withdrawals. In the reviews, blocked accounts and blocked withdrawals are occasionally mentioned. Overall, the user data does not present a uniform picture.
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.
The user reviews of support are mostly critical. Users report slow or unanswered replies, and occasionally describe customer service as not helpful or as not being perceived at all. In addition, several users would like better support in German.
Details
| eToro Europe Ltd. | Company | OKX Europe Ltd |
| 2007 | Founded | 2017 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence, MiFID II licence and payment institution (MFSA, Malta) |
| approx. € 50 | Minimum Amount | ~$10 USD |
| Video-ID | KYC | eID, Photo ID |
Verdict
In our overall rating OKX leads with 4.5 against 4.3 for eToro.
On disclosed fees you pay €8.00 less at OKX per €1,000 purchase.
For most investors OKX is therefore the better choice.
In short: eToro is one of the best-known multi-asset platforms: crypto, stocks, ETFs, indices and commodities in one account, plus CopyTrader, which automatically mirrors other investors' positions, and a demo account for practice. Crypto costs 1% per buy and sell in the Bronze to Gold club tiers. If you only want to buy crypto cheaply, an order-book exchange costs less; if you want to manage crypto and stocks together and learn from others, eToro is a good fit.
Is eToro safe and regulated in the EU?
Yes, eToro may serve customers across the EU. For EU customers the contracting party is eToro (Europe) Ltd in Limassol, authorised by the Cyprus Securities and Exchange Commission (CySEC) under licence number 109/10. Since January 2025 it has held a MiCA licence from CySEC for crypto assets, which applies across the EU through the passport, including Germany, France and Spain (ESMA register, file of 30 October 2026). For customers in Germany, crypto assets are held by Tangany GmbH in Munich, which has its own MiCA authorisation from BaFin for custody and transfers since August 2025. For investment services of eToro (Europe) Ltd, eToro cites the Cyprus Investor Compensation Fund with up to €20,000 per client (eToro regulation page). The parent company eToro Group has been listed on Nasdaq since May 2025 and reports its figures quarterly.
Real coins or CFDs? When you buy Bitcoin without leverage, you usually acquire the crypto asset itself. Leveraged positions and short sales run as CFDs, and according to eToro some unleveraged buy positions can also be executed as CFDs for regulatory reasons; the trade window marks them with “CFD”. Customers in Germany pay no overnight fee on such unleveraged crypto CFDs. CFDs remain risky: according to eToro, 55% of retail investor accounts lose money when trading CFDs with eToro.
What you can do yourself: turn on two-factor authentication, check before confirming whether the order ticket shows “CFD”, and move crypto you plan to hold for a long time to your own wallet. eToro charges 2% for that transfer, see the fees section.
Who is eToro for?
eToro suits beginners and investors who want to manage crypto alongside stocks and ETFs in one app, follow other investors' strategies or practise in a demo account first. Since July 2026 the new eToro app has been built around the AI assistant Tori, which surfaces portfolio insights and explains price moves; eToro states that this is not investment advice. If you only buy crypto and watch costs closely, compare with Bitpanda or Trade Republic; all brokers are listed in our crypto broker comparison.
In short: OKX is one of the large international crypto exchanges and serves investors in the EU through OKX Europe, licensed under MiCA in Malta. You can trade more than 280 crypto-assets, from 0.10% maker and 0.20% taker on a spot-only account, or from 0.08% and 0.10% with a spot and derivatives account. Add futures up to 10x, trading bots, tokenised stocks, a recurring-buy savings plan and the OKX Card. If you want a regulated exchange with a wide range of features and low fees, OKX is a strong choice.
Is OKX safe and licensed in the EU?
Yes, OKX may serve customers across the EU. OKX Europe Limited, based in Sliema, Malta, has been authorised as a crypto-asset service provider under MiCA since 27 January 2025, granted by the Malta Financial Services Authority (MFSA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers, among other things, custody, operating a trading platform, exchanging crypto-assets for funds and for other crypto-assets, executing orders, portfolio management and transfers. According to OKX, it also holds MiFID II and payment institution authorisations.
Reserves: OKX regularly publishes a proof of reserves, most recently its 46th report as of 3 October 2026: coverage of 110% for Bitcoin, 100% for Ether, 105% for USDT and 101% for USDC (OKX proof of reserves).
What you can do yourself: the anti-phishing code you set in your account protects you against scams with fake emails, because it appears in every genuine email from OKX. Add two-factor authentication or a passkey, a withdrawal address whitelist and, for larger amounts, your own hardware wallet.
Who is OKX for?
OKX suits investors in the EU who want to trade actively on a licensed exchange: spot, futures, bots and tokenised stocks on one platform, with low order book fees. If you mainly want a savings plan in a lean app, take a look at Bitvavo or Bitpanda; Kraken is another large exchange with a MiCA licence. All licensed providers are listed in our comparison of regulated crypto exchanges.