Flatex vs Smartbroker+ Comparison
| 0.7 % | Fees | 0.9 % |
| € 7.00 | Cost for €1,000 | € 9.00 |
| 20 | Cryptos | 25 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
Flatex
vs
Smartbroker+Winner
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
- 25 cryptocurrencies tradable alongside stocks, ETFs, and derivatives
- Savings plans available for crypto and securities
- Crypto custodian Tangany GmbH with BaFin license
- Minimum investment possible from just 0.01 €
- App available for iOS, Android, and web use
Cons
- Wallet transfer to personal wallets not possible – occasionally criticized by users
- Staking features currently not available – room for improvement
- Deposits only via SEPA transfer – additional payment methods have room for improvement
- Waiting time after registration until first trade is occasionally criticized
Score Comparison
4.0Usability2.9
3.6Features2.9
3.7Fees3.0
4.4Stability2.5
4.0Support2.5
User Experiences
AI Analysis—
App Store
4.3—
Google Play
4.1—
Trustpilot
3.4Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
According to reviews, Smartbroker+ is generally often described as clear and easy to understand. Users particularly appreciate the simple app experience as well as low fees and conditions, while support-related topics and individual technical points are perceived by some users as having room for improvement.
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
FlatexSmartbroker+
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA transfer | ✓ |
- Crypto in a securities wrapper for conventional portfolios
- Neobroker with stocks, ETFs, derivatives, and crypto on one platform
- BaFin-licensed crypto custodian Tangany GmbH
- Savings plans from 0.01 € for accessible investing
- Trading fees of 0.9 % for crypto
Details
FlatexSmartbroker+
| flatexDEGIRO Bank AG | Company | Smartbroker AG |
| 2005 | Founded | 2019 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
| € 1 | Minimum Amount | € 0.01 |
| eID, Video-ID, PostIdent | KYC | eID, Video-ID, PostIdent |