21bitcoin vs crypto.com Comparison
| 0.79 % | Fees | 1.2 % |
| € 7.90 | Cost for €1,000 | € 12.00 |
| 1 | Cryptos | 350+ |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Fully MiCA Compliant |
Pros & Cons
- 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
- 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
- Over 350 cryptocurrencies available
- Own VISA debit card with cashback program
- Savings plan and staking are offered
- Payment methods: SEPA, SEPA instant transfer, and credit card
- Minimum investment possible from €3
- No BaFin license for the German market
- Withdrawal fees of around €44.81 room for improvement
- Cost transparency is rated as limited
- Trading fees of 1.2% occasionally criticized
Score Comparison
User Experiences
AI AnalysisUser 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.
Based on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
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
| ✓ | 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 | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | Credit card | ✓ |
- 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
- VISA debit card with cashback program
- 350+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
Details
| FIOR Digital GmbH | Company | Foris DAX Asia Pte. Ltd |
| 2021 | Founded | 2016 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Fully MiCA Compliant |
| € 15 | Minimum Amount | € 3 |
| Photo ID | KYC | Photo ID |