Flatex vs KuCoin Comparison
| 0.7 % | Fees | 0.1% spot (0.08% with KCS) |
| € 7.00 | Cost for €1,000 | — |
| 20 | Cryptos | — |
| SEPA Transfer | Payment Methods | — |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via FMA (Austria) |
Flatex
vs
KuCoinWinner
Pros & Cons
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)
Pros
- 700+ coins – a vast altcoin selection
- Low fees from 0.1% on spot, with KCS discounts
- MiCA CASP licence (FMA Austria, November 2025)
- Wide feature set: spot, futures, bots, earn products
Cons
- EU operations not yet cleared despite the licence (as of July 2026)
- Historically no local European support structures
- 2023 US settlement still weighs on its record
Score Comparison
4.0Usability4.2
3.6Features4.6
3.7Fees4.4
4.4Stability3.6
4.0Support3.8
User Experiences
AI AnalysisExisting brokerage clients value the simplicity; crypto purists miss owning real coins.
Traders rate the coin selection highly; the unresolved EU situation is making many hold back for now.
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
- Crypto in a securities wrapper for conventional portfolios
- Altcoin heavyweight with 700+ coins
- MiCA licence in hand, EU launch still pending – worth watching
Details
FlatexKuCoin
| flatexDEGIRO Bank AG | Company | KuCoin EU Exchange GmbH |
| 2005 | Founded | 2017 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via FMA (Austria) |
| € 1 | Minimum Amount | ~$5 USD |
| eID, Video-ID, PostIdent | KYC | — |