Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitvavo is the better choice for Krypto-Anleger, while DEGIRO wins for International Stocks. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitvavo | DEGIRO | Difference |
|---|---|---|---|
| Order fee per trade | 0.25 € | 2.00 € | 1.75 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 30 € | 240 € | 210 € cheaper at Bitvavo |
| Available exchanges | 1 | 8 | +7 more at DEGIRO |
| BMInsider rating | 4.3/5 | 4.0/5 | +0.3 at Bitvavo |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitvavo | DEGIRO | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.25 % | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | Bitvavo |
| ETF Savings Plan Fee | - | - | Tie |
| Account Fee | 0€/Year | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | Bitvavo |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | DEGIRO | ||
| ETFs | DEGIRO | ||
| Crypto | Bitvavo | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | Bitvavo | ||
| Number of Exchanges | Krypto-Spot | Xetra, Euronext, NYSE | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | DNB · MiCA | AFM / BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2018 | 2013 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Bitvavo |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Bitvavo →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about DEGIRO →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Bitvavo →Bitvavo is the leading crypto exchange for price-conscious European investors. Regulated by the Dutch central bank (DNB) and fully MiCA-licensed since 2025 — at 0.25% spot fee, one of the cheapest EU options.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, HODL-Investoren.
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Bitvavo (Bitvavo B.V., MiCA + BaFin custody licence) and DEGIRO (flatexDEGIRO Bank Amsterdam branch, BaFin/AFM) are both Pan-EU platforms with Dutch connection. Bitvavo offers 400+ spot coins at 0.15% maker / 0.25% taker, self-custody withdrawal, 30+ staking coins. DEGIRO offers €1 ETF Core Selection (~200 ETFs), Pan-EU stocks from €3.90, steuereinfach in Germany since 2021.
Honest take: Bitvavo and DEGIRO are complementary — Bitvavo for crypto spot, DEGIRO for stocks/ETFs. Both have German seat or branch with tax comfort (DEGIRO steuereinfach, Bitvavo only for securities gains).
You want real crypto coins. Bitvavo 400+ coins, wallet withdrawal. DEGIRO has no crypto.
You want the lowest crypto fees. Bitvavo 0.15% maker. DEGIRO crypto-free.
You want crypto staking. Bitvavo 30+ staking coins. DEGIRO offers no staking.
You want §23 crypto tax-free. Bitvavo spot 1 year tax-free. DEGIRO has no crypto.
You want real stocks and ETFs. DEGIRO broad stock/ETF range, €1 Core Selection. Bitvavo crypto focus.
You want Pan-EU stocks (Milan, Amsterdam). DEGIRO cheap access. Bitvavo has narrower range.
You want bonds. DEGIRO bonds available. Bitvavo none.
You want the German tax certificate. DEGIRO steuereinfach since 2021. Bitvavo crypto gains self-declared.
You want connectivity to many foreign exchanges. DEGIRO 50+ foreign exchanges for €2.50/year fee. Bitvavo stock/ETF offering narrower.
DEGIRO steuereinfach, Bitvavo securities only. DEGIRO Frankfurt branch KESt automatic. Bitvavo crypto trades in Anlage SO.
§23 EStG: Bitvavo spot 1 year tax-free. DEGIRO has no §23-relevant assets.
Vorabpauschale 2026: DEGIRO books automatically.
Austria: Neither AT-steuereinfach.
Profile: 12 ETF buys at €500 MSCI World, 4 Pan-EU stocks at €2 000, 6 crypto at €500.
| Item | DEGIRO | Bitvavo |
|---|---|---|
| 12× ETF Core Selection | 12× €1 + 11× €2 fair-use = €34 | €0 (savings plan, Bitvavo has limited ETFs) |
| 4× €2 000 Pan-EU stock | 4× (€3.90 + €1.20) = €20.40 | not primary focus |
| 6× €500 crypto | not offered | 6× €1.25 (0.25%) = €7.50 |
| Yearly cost | ≈€54 (no crypto) | ≈€8 (crypto only) |
Complementary use: DEGIRO for stocks/ETFs + Bitvavo for crypto. Single use creates trade-offs.
Pick: DEGIRO. Bitvavo stock range narrower.
Pick: Bitvavo. DEGIRO no crypto.
Both in parallel. DEGIRO classic + Bitvavo crypto.
Pick: Bitvavo. DEGIRO no staking.
Pick: DEGIRO. €1 Core Selection ETFs.
Answers to the most common questions about Bitvavo vs DEGIRO.
For order fees, Bitvavo leads at 0.25 %, while DEGIRO charges 2€ + 0.03% (Europa) / 2€ + 0.05% (USA). Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitvavo is regulated by DNB · MiCA, DEGIRO by AFM / BaFin. Both fall under EU oversight. Deposit protection: Bitvavo -, DEGIRO 100.000€.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Neither Bitvavo nor DEGIRO offers free ETF savings plans. If recurring investing matters, check a savings-plan-focused broker.
Both are covered under their home regulator's deposit protection. Bitvavo: -, DEGIRO: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Neither broker pays meaningful interest on uninvested cash. Look elsewhere if cash yield matters.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
