21bitcoin vs Relai Comparison
| 0.79 % | Fees | 0.9 % |
| € 7.90 | Cost for €1,000 | € 9.00 |
| 1 | Cryptos | 1 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer, Instant SEPA (EU), Credit Card, Apple Pay, Google Pay |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Virtual Asset Service Provider (VASP) in Switzerland and MiCAR license applied for |
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
- Self-custody wallet directly in the app – Bitcoin is held in your own wallet
- Savings plan available for weekly or monthly Bitcoin purchases
- Wallet transfer to your own and external wallets (incl. hardware wallets) possible
- VASP license in Switzerland and MiCAR application submitted
- Deposits via SEPA bank transfer and credit card
- Only Bitcoin tradable – altcoin selection occasionally criticized by users
- Minimum amount of 50 € is room for improvement compared with other providers
- Setup of external wallet transfers, according to users, is room for improvement
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.
According to the analyzed user data, Relai is frequently praised by users for its intuitive and clear app. At the same time, users occasionally report hurdles with support, verification, and individual app launches, so the overall experience varies depending on the usage situation.
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 | ✓ |
| ✓ | Self-custody wallet | ✓ |
| ✓ | VASP license (Switzerland) | ✓ |
| ✓ | Hardware wallet support | ✓ |
- 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
- Bitcoin-only approach with self-custody directly in the app
- Savings plan with automatic transfer to your own wallet or hardware wallet
- Swiss company with VASP license and MiCAR application
- Relai Private from 100.000 CHF/EUR and Relai Business for companies
Details
| FIOR Digital GmbH | Company | Relai AG (CH) / Relai EU SASU (EU) |
| — | Headquarters | & |
| 2021 | Founded | 2020 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Virtual Asset Service Provider (VASP) in Switzerland and MiCAR license applied for |
| € 15 | Minimum Amount | € 50 |
| Photo ID | KYC | Photo ID, NFC passport verification |