Flatex Reviews
flatex (flatexDEGIRO Bank SE) is one of Germany's largest online brokers, BaFin-regulated and holding a full banking licence. The key point for crypto investors: flatex offers direct trading in 25 cryptoassets such as Bitcoin, Ethereum and Solana, but only to private clients aged 18 or over whose registered address is in Germany and who hold an individual account. The coins are held by Tangany GmbH in Munich, a crypto custodian supervised by BaFin. Crypto ETNs, which sit in your portfolio like any other security, are available as well.
Flatex Rating
Our Opinion
For investors in Germany who want to hold crypto with the same broker as their shares and ETFs, flatex is a solid choice: according to flatex, liquid assets such as Bitcoin cost 0.6% in total including the spread, less liquid ones 0.7%, each for customary order sizes. The selection of 25 cryptoassets is small, though, there is no staking and no crypto savings plan, and coins can neither be transferred to your own wallet nor deposited from one. flatex does not withhold tax on crypto gains, because directly held crypto is not subject to Germany's flat-rate withholding tax. Clients without a registered address in Germany cannot use direct crypto trading at all and are left with crypto ETNs. Since April 2025 the bank has been notified to BaFin under MiCA for executing crypto orders, and its custodian Tangany has held a MiCA authorisation since August 2025. In France, the Netherlands and Spain the same bank has offered direct crypto trading under the DEGIRO brand since September 2025. If you prefer securities, more than 55 crypto ETNs can be bought through a savings plan from €1 with no order commission. If you want a wide choice of coins or your own wallet, a crypto exchange is the better fit.
Pros & Cons
- BaFin-regulated German bank with a full licence, notified under MiCA for crypto trading since April 2025
- Direct trading in 25 cryptoassets for clients in Germany, from €1 per order
- Total costs of 0.6% including the spread for liquid assets such as Bitcoin
- Custody with Tangany in Munich, authorised by BaFin under MiCA since August 2025
- Crypto ETNs in the same portfolio, with a German tax certificate
- Established online broker since 2006
- Direct crypto trading only for private clients with a registered address in Germany and an individual account
- Small selection of 25 cryptoassets, no staking, no crypto savings plans
- No transfers to or from a personal wallet
- No tax withheld on directly held crypto, gains must be declared yourself
- Crypto ETNs: order fees plus ongoing product costs (TER)
User Experiences
AI AnalysisOur AI collects and analyzes user reviews of Flatex from the web and summarizes the key findings.
Direct crypto trading: total costs of 0.6% including the spread for liquid cryptoassets such as Bitcoin and 0.7% for less liquid ones, each for customary order sizes; orders start at €1. Crypto ETNs: order commission from €5.90 per order plus third-party costs (a flat €2.00 at Tradegate, gettex, Lang & Schwarz and other venues), €0 for the nxtAssets ETNs on Bitcoin, Ethereum and XRP bought off-exchange from €1,000; savings plans in crypto ETNs from €1 with no order commission. Spreads and ongoing product costs (TER) depending on the issuer come on top. As of 1 November 2026.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. Without guarantee.
Features
Highlights
- 25 cryptoassets tradable directly for 0.6% to 0.7% in total costs including the spread
- Crypto trading in the flatex account alongside shares and ETFs
- More than 55 crypto ETNs also available as a savings plan from €1, with no order commission
Tradeable Assets
- 25 cryptoassets directly, including Bitcoin, Ethereum, Solana, XRP, Cardano, Sui and Hyperliquid (only with a registered address in Germany)
- Crypto ETNs from 21Shares, CoinShares, nxtAssets, VanEck and WisdomTree
- Also shares, ETFs, funds, bonds, certificates and CFDs
Trading Options
- Direct crypto trading around the clock from €1 per order, with several order types
- Crypto ETNs on or off exchange, more than 55 of them as a savings plan from €1, monthly, quarterly, half-yearly or yearly
About Flatex
Cheaper or safer: alternatives to Flatex
Exchanges authorised in the EU under MiCA, each with the trading fee from our comparison and a head-to-head with Flatex.
- Go to CoinbaseCoinbaseListed US group, MiCA authorisation via Coinbase Luxembourg S.A.Trading fee in our comparison: up to 1.875% + spread (as of 01/11/2026)Flatex vs Coinbase compared
- Go to BitpandaBitpandaVienna-based, MiCA authorisation from the Austrian FMA for Bitpanda GmbH.Trading fee in our comparison: from 0.99% (as of 01/11/2026)Flatex vs Bitpanda compared
- Go to OKXOKXMiCA authorisation in Malta via OKX Europe Limited.Trading fee in our comparison: 0.2 % (as of 01/11/2026)Flatex vs OKX compared
Partner links: we earn a commission if you become a customer through one of these links. Not investment advice. Crypto assets are volatile and you can lose all of your money.
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