Bitcoin.de vs Flatex Comparison
| 0.5 % | Fees | 0.7 % |
| € 5.00 | Cost for €1,000 | € 7.00 |
| 10 | Cryptos | 20 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Bitcoin.de
vs
Flatex
Pros & Cons
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
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)
User Experiences
AI AnalysisNot enough reviews available.
Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
Bitcoin.deFlatex
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app | ✓ |
| ✓ | Web platform | ✓ |
- 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
- Crypto in a securities wrapper for conventional portfolios
Details
Bitcoin.deFlatex
| futurum bank AG | Company | flatexDEGIRO Bank AG |
| 2011 | Founded | 2005 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 60 | Minimum Amount | € 1 |
| Bank verification, VideoIdent, PostIdent | KYC | eID, Video-ID, PostIdent |