21bitcoin vs Flatex Comparison
| 0.79 % | Fees | 0.7 % |
| € 7.90 | Cost for €1,000 | € 7.00 |
| 1 | Cryptos | 20 |
| 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 | Crypto custodian Tangany GmbH has a BaFin license. |
21bitcoinWinner
vs
Flatex
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
- 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
Cons
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
Score Comparison
4.4Usability4.0
4.4Features3.6
4.3Fees3.7
4.4Stability4.4
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.
Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
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
21bitcoinFlatex
| ✓ | 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
- Crypto in a securities wrapper for conventional portfolios
Details
21bitcoinFlatex
| FIOR Digital GmbH | Company | flatexDEGIRO Bank AG |
| 2021 | Founded | 2005 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 15 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |