Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitvavo 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 | Bitvavo | Flatex | Difference |
|---|---|---|---|
| Order fee per trade | 0.25 € | 5.90 € | 5.65 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 30 € | 708 € | 678 € cheaper at Bitvavo |
| Available exchanges | 1 | 6 | +5 more at Flatex |
| BMInsider rating | 4.3/5 | 3.8/5 | +0.5 at Bitvavo |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitvavo | Flatex | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.25 % | 5.90€ + Börsengebühr | Bitvavo |
| ETF Savings Plan Fee | - | 1.50€ | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Flatex | ||
| ETFs | Flatex | ||
| Crypto | Bitvavo | ||
| Options | Flatex | ||
| CFDs | Tie | ||
| Fractional Shares | Bitvavo | ||
| Number of Exchanges | Krypto-Spot | Xetra, Frankfurt, Wien | Flatex |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Flatex | ||
| Security & Regulation | |||
| Regulated by | DNB · MiCA | BaFin / FMA | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2018 | 2006 | 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 Bitvavo →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.
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.
Bitvavo (Bitvavo B.V., MiCA + BaFin custody licence) and flatex (BaFin Germany) are different tools. Bitvavo offers 400+ spot coins at 0.15% maker / 0.25% taker, free fiat withdrawal, self-custody withdrawal. flatex offers €5.90 flat per stock/ETF order, 1 600 free ETF savings plans from €25 minimum rate, German tax certificate — but no real crypto coins (only crypto ETNs).
Honest take: flatex is the pick for DACH stock/ETF investors with tax comfort. Bitvavo is the pick for crypto focus with self-custody need.
You want real crypto coins. Bitvavo 400+ coins, wallet withdrawal. flatex has no real coins.
You want the lowest crypto fees. Bitvavo 0.15% maker. flatex crypto ETNs ~1% spread plus €5.90 order.
You want crypto staking. Bitvavo 30+ staking coins. flatex no crypto staking.
You want §23 tax-free after 1 year. Bitvavo spot coins. flatex crypto ETNs are §20 (always KESt).
You want the broadest coin range. Bitvavo 400+ coins. flatex ETN list much narrower.
You want real stock/ETF wealth. flatex offers 7 000+ stocks, 1 600+ ETF savings plans free. Bitvavo has no ETF savings plans.
You want the German tax certificate. flatex steuereinfach. Bitvavo self-declaration for crypto.
You want bonds and mutual funds. flatex offers bonds, classic funds, certificates. Bitvavo crypto + some stocks/ETFs but not as broad.
You want flat predictable order costs. flatex €5.90 flat. Bitvavo percentage-based (€1 stock + crypto spread).
You want EUR base without FX friction on stocks. flatex EUR account. Bitvavo also EUR but primarily crypto.
flatex steuereinfach, Bitvavo only on securities. flatex withholds KESt automatically. Bitvavo withholds KESt on stocks/ETFs, crypto in Anlage SO.
§23 EStG for crypto: Bitvavo spot coins 1 year tax-free. flatex crypto ETNs are §20 (always KESt).
Vorabpauschale 2026: Both ETF Vorabpauschale automatic.
Austria: Neither AT-steuereinfach.
Profile: 12 ETF savings plans at €200, 4 stock buys at €2 000, 6 crypto at €500, 1 withdrawal €3 000.
| Item | flatex | Bitvavo |
|---|---|---|
| 12× €200 ETF savings plan | €0 | €0 |
| 4× €2 000 stock | 4× €5.90 = €24 | 4× €1 + spread = ~€12 |
| 6× €500 crypto | 6× €5.90 + ETN spread = ~€50 | 6× €1.25 = €7.50 |
| 1× withdrawal €3 000 | €0 | €0 |
| Yearly cost | ≈€74 | ≈€20 |
Bitvavo ~€54 cheaper via crypto fees and €1 stock trades. flatex only wins for pure bond/fund need.
Pick: Bitvavo. Real coins, low fees, staking.
Pick: flatex. Steuereinfach + 1 600 ETFs.
Pick: flatex. Bitvavo has no bonds.
Pick: Bitvavo. §23 tax-free.
Pick: Bitvavo. Stocks + ETFs + crypto in one account.
Answers to the most common questions about Bitvavo vs Flatex.
For order fees, Bitvavo leads at 0.25 %, while Flatex charges 5.90€ + Börsengebühr. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitvavo is regulated by DNB · MiCA, Flatex by BaFin / FMA. Both fall under EU oversight. Deposit protection: Bitvavo -, 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 Bitvavo 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. Bitvavo: -, 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.
