Flatex vs Revolut Comparison
| 0.7 % | Fees | 1.49 % |
| € 7.00 | Cost for €1,000 | € 26.90 |
| 20 | Cryptos | 210+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA regulation through RT Digital Securities Cyprus Ltd. (RTDSCL) in Cyprus by CySEC with registration number 001/22 |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.00 | Cost for €1,000 | € 26.90 |
| 0.7 % | Fees | 1.49 % |
| – | Wallet transfer | € 1.49 |
| Limited | Cost transparency | No |
| € 1 | Minimum Amount | € 1.50 |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
On a €1,000 purchase you pay €19.90 less at Flatex.
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)
- Over 210 cryptocurrencies tradeable – broad coin selection
- Wallet transfer to external wallets possible
- Staking and recurring investments available for regular investing
- Deposits via SEPA, SEPA Instant Transfer, and credit card
- MiCA regulation via RT Digital Securities Cyprus Ltd.
- Biometric verification for withdrawals as a security feature
- Trading fees of 1.49 % are room for improvement compared with specialized providers
- Total costs of approx. €26.90 per €1,000 trade are occasionally criticized
- According to users, cost transparency in the transaction confirmation has room for improvement
Score Comparison
User Experiences
AI AnalysisBased on the analyzed user reviews, Revolut presents an overall predominantly positive picture. Users especially appreciate the clear, intuitive app and often report that it is easy to use, while support and individual features are described in reviews as having room for improvement in some cases.
Investing 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
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | MiCA regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Biometric security | ✓ |
| ✓ | SEPA Instant Transfer | ✓ |
- Crypto in a securities wrapper for conventional portfolios
- Over 210 tradeable cryptocurrencies
- Crypto, card payments, transfers, and currency exchange in one app
- MiCA-regulated via CySEC-registered subsidiary
- Wallet transfer and staking available
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.
Users provide only a few concrete experiences regarding fees and costs. Revolut is occasionally perceived as more expensive than N26. Overall, this area can only be assessed to a limited extent based on the available user data.
Usability & User Experience
Not enough reviews available.
Users especially appreciate Revolut's clear and intuitive app. According to reviews, it is very easy to use, and the interface is repeatedly described as fast and straightforward. However, some users occasionally report display or compatibility issues, which means usability is sometimes seen as having room for improvement.
Features & Offering
Not enough reviews available.
When it comes to features, users report mixed experiences. According to reviews, individual services are used gladly in everyday life, while some users would like familiar functions, cashback programs, or additional options such as cash deposits. It is also occasionally criticized that certain features do not work as expected or that advantages could be removed in the future.
Stability & Security
Not enough reviews available.
Regarding stability and reliability, users report a mostly positive experience with Revolut. According to reviews, the app is repeatedly described as fast and reliable, which is appreciated by many users in everyday use. However, account issues or features not working as expected are occasionally mentioned; overall, though, feedback on reliability is largely positive.
Customer Support
Not enough reviews available.
When it comes to support, users speak rather cautiously about their experiences. According to reviews, it is occasionally criticized that bot support is offered instead of human help and that not every case is covered sufficiently. As a result, some users feel that support has room for improvement in certain situations.
Details
| flatexDEGIRO Bank AG | Company | Revolut Ltd. |
| 2005 | Founded | 2015 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA regulation through RT Digital Securities Cyprus Ltd. (RTDSCL) in Cyprus by CySEC with registration number 001/22 |
| € 1 | Minimum Amount | € 1.50 |
| eID, Video-ID, PostIdent | KYC | Photo ID |
Verdict
In our overall rating Revolut leads with 4.3 against 3.1 for Flatex.
On a €1,000 purchase you pay €19.90 less at Flatex.
For most investors Revolut is therefore the better choice.
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.
Revolut is considered one of the most versatile financial apps in the DACH region and is popular with users who want to manage crypto, banking, card payments, and currency exchange in a single application. With more than 210 tradeable cryptocurrencies, Revolut offers by far the broadest coin selection among the brokers compared here. MiCA regulation via the Cypriot subsidiary RT Digital Securities provides a European regulatory framework.
Unlike many German neobrokers, Revolut enables both wallet transfers to external wallets and staking and recurring investments. Biometric verification for withdrawals is viewed positively as an additional security feature. Deposits are possible via SEPA, SEPA Instant Transfer, and credit card, which increases flexibility.
The trading fees of 1.49 % are at the upper end in the broker comparison and are occasionally criticized by users. Cost transparency in the transaction confirmation is also considered to have room for improvement. Revolut is therefore especially suitable for investors looking for a wide selection of coins with wallet functionality in an all-in-one financial app and who are willing to accept higher trading fees for it.