Detailed comparison of all fees, features, and suitability — updated for 2026.
Binance is the better choice for Krypto-Anleger, while Flatex wins for Austrian Investors. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Binance | Flatex | Difference |
|---|---|---|---|
| Order fee per trade | 0.10 € | 5.90 € | 5.80 € cheaper at Binance |
| 10y savings plan cost @ €100/month | 12 € | 708 € | 696 € cheaper at Binance |
| Available exchanges | 2 | 6 | +4 more at Flatex |
| BMInsider rating | 4.0/5 | 3.8/5 | +0.2 at Binance |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Binance | Flatex | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.1 % (BNB: 0.075 %) | 5.90€ + Börsengebühr | Binance |
| ETF Savings Plan Fee | - | 1.50€ | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | $10 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Flatex | ||
| ETFs | Flatex | ||
| Crypto | Binance | ||
| Options | Flatex | ||
| CFDs | Tie | ||
| Fractional Shares | Binance | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | Xetra, Frankfurt, Wien | Flatex |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | MiCA EU · multiple licenses | BaFin / FMA | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2017 | 2006 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Binance |
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 Binance →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Binance →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Binance →Binance is the world's largest crypto exchange by daily volume. With 0.1% spot fee (0.075% with BNB discount), 350+ coins and futures markets, the platform offers more features at lower cost than any alternative.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, Aktive Krypto-Trader.
Flatex is especially popular in Austria as a tax-simple broker with access to many exchanges and derivatives.
Particularly suitable for: Austrian Investors, Options Trading, Many Exchanges.
Binance (Cayman Islands, as of May 2026 no MiCA and no BaFin) and flatex (BaFin Germany, flatexDEGIRO Bank AG) are complementary tools with fundamentally different regulation. Binance offers 700+ coins at 0.10% spot, Binance Earn for crypto yields, no German withholding. flatex offers €5.90 flat stocks/ETFs/bonds, 1 600 free ETF savings plans, German tax certificate — no real crypto coins.
Honest take: flatex and Binance don't directly compete — flatex for classic wealth, Binance for crypto. Anyone wanting regulatory clarity takes flatex + skips Binance or waits for MiCA clarity (deadline 1 July 2026).
You want real crypto coins at lowest fees. Binance 0.10% spot. flatex has no real coins, only ETNs at ~1% spread.
You want broadest coin range with early listings. Binance 700+ coins. flatex crypto ETN list much narrower.
You want Binance Earn / staking. Binance offers locked staking, Launchpool, DeFi staking. flatex no staking.
You want self-custody withdrawal. Binance wallet withdrawal. flatex crypto ETNs stay in the depot.
You want §23 crypto tax-free. Binance spot coins 1 year tax-free. flatex ETNs §20 (always KESt).
You want stocks, ETFs, bonds, funds. flatex 7 000+ stocks, 1 600 ETF savings plans, 1 000+ bonds. Binance crypto-only.
You want regulatory clarity. flatex BaFin. Binance no MiCA, MiCA transition ends 1 July 2026 — risk of account restrictions.
You want the German tax certificate. flatex steuereinfach. Binance: self-declaration in Anlage SO.
You want no MiCA risk calculation. If Binance is denied EU licence, German users could see withdrawal restrictions.
You want flat order costs. flatex €5.90 flat. Binance spot 0.10% scales with volume (on €100 000 order €100).
flatex steuereinfach, Binance not. flatex KESt automatic. Binance gross; self-declaration in Anlage SO.
§23 vs §20 EStG: Binance spot §23 (1 year tax-free). flatex crypto ETNs §20 (always KESt).
Staking tax: Binance Earn rewards: 10-year speculation period.
MiCA risk: If EU licence is lacking, withdrawal restrictions threaten — tax-problematic.
Austria: Neither AT-steuereinfach.
Profile: 12 ETF savings plans at €200, 4 stocks at €5 000, 50 crypto trades at €1 000.
| Item | flatex | Binance |
|---|---|---|
| 12× ETF savings plan | €0 | not offered |
| 4× €5 000 stock | 4× €5.90 = €23.60 | not offered |
| 50× €1 000 crypto | 50× €5.90 + ETN spread = ~€600 | 50× €1 (0.10%) = €50 |
| Yearly cost | ≈€624 | ≈€50 (crypto only) |
Complementary usage: flatex for stocks/ETFs + Binance for crypto spot. Combined ~€74 instead of €624 for pure flatex crypto trading.
Pick: flatex. Binance MiCA status open.
Pick: Binance. 0.10% spot unbeatable.
Pick: flatex. Binance offers only crypto.
Both in parallel. flatex for classic + Binance for crypto.
Pick: flatex. Steuereinfach. Binance requires tax tools.
Answers to the most common questions about Binance vs Flatex.
For order fees, Binance leads at 0.1 % (BNB: 0.075 %), while Flatex charges 5.90€ + Börsengebühr. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Binance is regulated by MiCA EU · multiple licenses, Flatex by BaFin / FMA. Both fall under EU oversight. Deposit protection: Binance -, Flatex 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 Binance nor Flatex 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. Binance: -, Flatex: 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.
