Bitvavo vs justTRADE — Dutch crypto exchange vs German €1 broker with crypto
Bitvavo (MiCA + BaFin custody licence, EUR account) and justTRADE (BaFin, Sutor Bank custody) both offer crypto spot with different depth. Bitvavo: 400+ coins at 0.15% maker, 30+ staking coins, self-custody withdrawal. justTRADE: €1 flat per stock/ETF order, 50+ real crypto coins at 0.125% commission + 0.175% spread (= 0.3% effective), 177 ETF savings plans, fully steuereinfach.
Honest take: justTRADE for DACH multi-asset with crypto + tax comfort. Bitvavo for pure crypto focus with lower fees and broader coin range.
When Bitvavo is the better pick
You want broader crypto range. Bitvavo 400+ vs justTRADE 50+.
You want lowest crypto fees. Bitvavo 0.15% maker vs justTRADE ~0.3%.
You want crypto wallet withdrawal. Bitvavo. justTRADE keeps coins.
You want broad staking (30+ coins). justTRADE staking only on selected coins.
You want crypto API.
When justTRADE is the better pick
You want the German tax certificate on all assets. justTRADE fully steuereinfach. Bitvavo only securities DE.
You want stocks + ETFs + crypto in one app.
You want 177 ETF savings plans free.
You want €1 flat stock orders.
You want crypto savings plans with German tax certificate.
Taxes
justTRADE fully steuereinfach (also crypto). Bitvavo securities steuereinfach, crypto in Anlage SO. §23 EStG: both spot 1 year tax-free.
Cost example
| Item | justTRADE | Bitvavo |
| 12× €200 ETF savings plan | €0 | €0 |
| 4× €2 000 stock | 4× €1 = €4 | 4× €1 + spread = ~€12 |
| 10× €500 crypto | 10× €1.50 = €15 | 10× €1.25 = €12.50 |
| Yearly cost | ≈€19 | ≈€24.50 |
justTRADE marginally cheaper via multi-asset account. Bitvavo cheaper on pure crypto activity.
Verdict
DACH multi-asset with crypto
Pick: justTRADE. Steuereinfach.
Pure crypto focus
Pick: Bitvavo. 400+ coins.
Self-custody
Pick: Bitvavo.
Tax convenience
Pick: justTRADE.
Active crypto trading
Pick: Bitvavo. 0.15% maker.