Flatex vs KuCoin Comparison
| 0.7 % | Fees | 0.1% spot (0.08% with KCS) |
| € 7.00 | Cost for €1,000 | — |
| 20 | Cryptos | — |
| SEPA Transfer | Payment Methods | — |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via FMA (Austria) |
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 | 0.1% spot (0.08% with KCS) |
| – | Wallet transfer | — |
| Limited | Cost transparency | — |
| € 1 | Minimum Amount | ~$5 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)
- 700+ coins – a vast altcoin selection
- Low fees from 0.1% on spot, with KCS discounts
- MiCA CASP licence (FMA Austria, November 2025)
- Wide feature set: spot, futures, bots, earn products
- EU operations not yet cleared despite the licence (as of July 2026)
- Historically no local European support structures
- 2023 US settlement still weighs on its record
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
- Altcoin heavyweight with 700+ coins
- MiCA licence in hand, EU launch still pending – worth watching
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 0.1% maker/taker, with discounts when paying in KCS. Futures are cheaper. Deposit and withdrawal costs depend on the method (as of July 2026).
Details
| flatexDEGIRO Bank AG | Company | KuCoin EU Exchange GmbH |
| 2005 | Founded | 2017 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via FMA (Austria) |
| € 1 | Minimum Amount | ~$5 USD |
| eID, Video-ID, PostIdent | KYC | — |
Verdict
In our overall rating KuCoin leads with 3.9 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.
KuCoin has been a fixture for altcoin traders for years. Its EU position, however, is complicated as of July 2026: the Austrian MiCA licence has been granted, but the exchange has not yet been cleared to begin EU operations while the process runs its course. If regulatory certainty inside the EU is your priority, fully operational MiCA venues such as Bitpanda, Bybit EU or Kraken are the safer bet for now.