Flatex vs Gate.io Comparison
| 0.7 % | Fees | 0.2% spot (0.15% with GT) |
| € 7.00 | Cost for €1,000 | — |
| 20 | Cryptos | — |
| SEPA Transfer | Payment Methods | — |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via MFSA (Malta) |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.00 | Cost for €1,000 | — |
| 0.7 % | Fees | 0.2% spot (0.15% with GT) |
| – | Wallet transfer | — |
| Limited | Cost transparency | — |
| € 1 | Minimum Amount | ~$10 USD |
| SEPA Transfer | Payment Methods | — |
Pros & Cons
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
- 1,700+ coins – one of the largest selections worldwide
- MiCA CASP and payment licences (MFSA Malta)
- Low fees from around 0.1%, with GT discounts
- Early access to new listings
- The interface is overwhelming for beginners
- Thin liquidity on very small coins
- Support is primarily in English
Score Comparison
User Experiences
AI AnalysisInvesting carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
- Crypto in a securities wrapper for conventional portfolios
- The altcoin-selection champion, now with a MiCA licence
The five areas head to head
AI AnalysisFees & Costs
Order fees from around €5.90 plus the trading-venue charge; crypto ETPs also carry ongoing product costs (TER, typically 1–2% a year). As of July 2026.
Spot: from around 0.1% maker/taker, with discounts when paying in GT. Futures fees are lower (as of July 2026).
Details
| flatexDEGIRO Bank AG | Company | Gate Technology Ltd |
| 2005 | Founded | 2013 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via MFSA (Malta) |
| € 1 | Minimum Amount | ~$10 USD |
| eID, Video-ID, PostIdent | KYC | — |
Verdict
In our overall rating Gate.io leads with 3.7 against 3.1 for Flatex.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
For investors who want crypto exposure inside a conventional brokerage account alongside shares and ETFs – complete with German tax reporting and a familiar interface – flatex is a solid choice. If you want to own real coins and withdraw them to your own wallet, you need an actual crypto exchange instead.
If you want early access to new and obscure coins, few venues come close to Gate.io – and it now has a genuine MiCA basis out of Malta. The platform is powerful but can feel overloaded for newcomers; for experienced altcoin traders it is one of the more interesting regulated options as of July 2026.