Bitcoin.de vs Kraken Comparison
| 0.5 % | Fees | 0.99 % |
| € 5.00 | Cost for €1,000 | € 9.90 |
| 10 | Cryptos | 380+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, PayPal, Credit Card |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | EU: MiCA USA: CFTC UK: FCA |
Pros & Cons
- 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
- 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
- Over 380 cryptocurrencies available
- Savings plan and staking offered
- On the market since 2011 – one of the oldest crypto exchanges
- Payment methods: SEPA instant bank transfer, PayPal, and credit card
- Wallet transfer fees of approx. €1.49
- Minimum investment possible from €1
- Trading fees of 0.99% could be improved compared with cheaper exchanges
- Total costs of €9.90 per trade occasionally criticized
- Cost transparency is assessed as limited
- No EU regulation or BaFin license available
User Experiences
AI AnalysisNot enough reviews available.
According to the analyzed user reviews, Kraken is often described as simple and easy to understand, especially with regard to the app and basic usability. At the same time, users mainly report criticism of support-related topics and costs, so the overall picture from a user perspective is mixed.
This analysis is based on 733 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews shown reflect users’ experiences and do not represent the site operator’s own assessment. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Account lock | ✓ |
| ✓ | SEPA instant bank transfer | ✓ |
| ✓ | PayPal | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
- 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
- On the market since 2011 with a significant market presence
- Comprehensive security protocols incl. 2FA and account lock
- 380+ cryptocurrencies tradable
- Savings plan and staking on one platform
Details
| futurum bank AG | Company | Payward Inc. |
| 2011 | Founded | 2011 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | EU: MiCA USA: CFTC UK: FCA |
| € 60 | Minimum Amount | € 1 |
| Bank verification, VideoIdent, PostIdent | KYC | Photo ID |