21bitcoin vs ByBit EU Comparison
| 0.79 % | Fees | 0.1% |
| € 7.90 | Cost for €1,000 | — |
| 1 | Cryptos | +100 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | — |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCAR license via FMA |
21bitcoin
vs
ByBit EU
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
- MiCA licence from Austria's FMA – a clear regulatory basis for EU/EEA investors
- Low fees: 0.25% spot, 0.02% maker / 0.055% taker on futures
- Hundreds of tradable crypto assets
- Assets held largely in cold storage, 2FA, proof-of-reserves audits
- Fast execution and a well-rated app (iOS/Android)
- Registered in Vienna, inside the EU
Cons
- High-leverage derivatives are restricted for EEA retail clients under MiCA
- Security incident in February 2025 (around 401,000 ETH drained)
- The sheer number of features can overwhelm outright beginners
Score Comparison
4.4Usability4.2
4.4Features4.2
4.3Fees4.4
4.4Stability3.7
4.4Support4.0
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.
Users praise the low fees and fast order execution; the platform's EU licence under MiCA adds an extra layer of confidence.
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
21bitcoinByBit EU
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
- 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
- EU-regulated (MiCA, FMA Austria)
- Competitive spot and futures fees
- Cold-wallet custody and proof of reserves
Details
21bitcoinByBit EU
| FIOR Digital GmbH | Company | Bybit EU GmbH |
| 2021 | Founded | 2018 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCAR license via FMA |
| € 15 | Minimum Amount | ~$5-10 USD |
| Photo ID | KYC | — |