21bitcoin vs Bitcoin.de Comparison
| 0.79 % | Fees | 0.5 % |
| € 7.90 | Cost for €1,000 | € 5.00 |
| 1 | Cryptos | 10 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Regulated in Germany as a marketplace of futurum bank AG |
21bitcoinWinner
vs
Bitcoin.de
Pros & Cons
Pros
- Transparent fees from 0.79% with no ongoing account charges
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC
- Automatic transfer to your own wallet above defined thresholds
- Savings-plan standing orders are invested in Bitcoin as soon as they arrive
- FMA-licensed as a virtual asset service provider in Austria
Cons
- Bitcoin only – the lack of altcoins is criticised by some users
- Two-factor authentication needs work, according to users
- The €15 minimum order is higher than at some competitors
Pros
- Regulated in Germany as a marketplace of futurum bank AG
- Pioneer among German cryptocurrency platforms – active since 2011
- Trading fees of 0.5 %
- Wallet transfer possible
- Funds remain in the user’s own bank account
Cons
- Selection with only 10 cryptocurrencies could be expanded
- Only SEPA bank transfer as a payment method – additional options could be expanded
- Interface occasionally criticized as in need of modernization
- 2FA only via SMS – TOTP support could be expanded
User Experiences
AI Analysis4.8
App Store
—4.9
Google Play
—4.8
Trustpilot
—User reviews paint a broadly positive picture of 21bitcoin. What owners value most is the clean, intuitive app and how easy it is to use, while individual voices see room for improvement on fees and on the feature set.
Not enough reviews available.
This analysis is based on 257 user reviews analysed by AI from the Apple App Store, Trustpilot and the Google Play Store. The total number of reviews on each platform may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
21bitcoinBitcoin.de
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app | ✓ |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Fees from 0.79% with full cost transparency
- Deposits via SEPA and SEPA instant transfer
- Pioneer among German crypto marketplaces – since 2011
- Regulated through futurum bank AG in Germany
- Euro balances remain in the user’s own bank account
- KYC via bank verification, VideoIdent or PostIdent
Details
21bitcoinBitcoin.de
| FIOR Digital GmbH | Company | futurum bank AG |
| 2021 | Founded | 2011 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Regulated in Germany as a marketplace of futurum bank AG |
| € 15 | Minimum Amount | € 60 |
| Photo ID | KYC | Bank verification, VideoIdent, PostIdent |