Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitvavo is the better choice for Krypto-Anleger, while Trade Republic wins for Beginners. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitvavo | Trade Republic | Difference |
|---|---|---|---|
| Order fee per trade | 0.25 € | 1.00 € | 0.75 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 30 € | 0 € | 30 € cheaper at Trade Republic |
| Interest on €10,000 cash (1 year) | — | 3.25 % = 325 € | +325 € more at Trade Republic / year |
| Free ETF savings plans | 0 | 2.200 | +2.200 more at Trade Republic |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.3/5 | 4.3/5 | identical |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitvavo | Trade Republic | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.25 % | 1€ per Order | Bitvavo |
| ETF Savings Plan Fee | - | 0€ | Trade Republic |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 3.25% | Trade Republic |
| Product Range | |||
| Stocks | Trade Republic | ||
| ETFs | Trade Republic | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | LS Exchange | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | DNB · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2018 | 2015 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Tie |
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 Trade Republic →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.
Trade Republic is a German neo-broker with extremely low fees (€1 per trade) and free ETF savings plans. Ideal for beginners and savings plan investors.
Particularly suitable for: Beginners, Savings Plan Investors, Mobile-First.
Bitvavo (Bitvavo B.V., Dutch MiCA licence since June 2025, BaFin custody licence) and Trade Republic (BaFin, Bundesbank, steuereinfach) are different tools. Bitvavo is a specialised crypto exchange with 400+ coins, 0.15% maker / 0.25% taker (down to 0.04% at volume), free fiat withdrawals. Trade Republic is a multi-asset neo-broker: €1 external-cost flat per stock/ETF order, around 50 crypto coins at ~0.99% spread, German tax certificate included.
Honest take: Bitvavo is the pick for serious crypto investors needing broad coin range, low trading fees and API. Trade Republic is the pick for crypto casual users with German tax comfort plus stocks/ETFs in the same app.
You want broad crypto coin range. Bitvavo 400+ coins (incl. mid and small caps). Trade Republic ~50 coins, top-mainstream focus.
You want low trading fees on crypto. Bitvavo 0.15% maker / 0.25% taker; drops to 0.04% at volume >€250k/month. Trade Republic crypto spread implicit ~0.99% — on a €1 000 BTC buy €9.90 spread vs Bitvavo €2.50.
You want real crypto wallet functions. Bitvavo allows withdrawal to external wallets (hardware, self-custody). Trade Republic crypto can't be withdrawn — you must sell and rebuy via external exchange.
You want staking yield on crypto. Bitvavo offers staking on 30+ coins. Trade Republic has no native staking.
You want API access for algo trading. Bitvavo REST + WebSocket API. Trade Republic has no official trading API.
You want the German tax certificate. Trade Republic withholds 25% KESt automatically and delivers an annual certificate — also for crypto gains under 1 year. Bitvavo pays gross; you declare all trades in Anlage SO yourself.
You want crypto + stocks + ETFs in one app. Trade Republic offers 8 000+ stocks, 2 400+ ETFs, 50 crypto plus instant savings at 2.75%. Bitvavo is crypto-only.
You want crypto savings plans from €1. Trade Republic from €1 crypto savings plan. Bitvavo offers savings plans on 25 coins from €5, narrower.
You want zero minimum withdrawal. Trade Republic withdrawals free with no minimum. Bitvavo fiat withdrawal free, crypto withdrawal with network fees (variable, ETH network e.g. €5–€50 depending on gas price).
You want cash interest on uninvested money. Trade Republic 2.75% p.a. on up to €50 000 idle cash (as of 2026). Bitvavo pays no cash interest on EUR balance.
Germany — Trade Republic steuereinfach, Bitvavo not. Trade Republic withholds 25% KESt automatically. Bitvavo pays gross; declare all crypto trades in Anlage SO (§23 EStG) yourself.
§23 EStG for crypto: At both: tax-free after 1 year holding (allowance €1 000 below 1 year as of 2026). Trade Republic tracks holding period in the tax certificate. Bitvavo: you must document trade-by-trade FIFO or LIFO yourself.
Austria — neither steuereinfach. Self-report 27.5% KESt-AT on crypto gains.
Staking rewards: At Bitvavo: 10-year speculation period (instead of 1 year) applicable per BMF view. Trade Republic has no staking.
Crypto withdrawal to external wallet: Bitvavo allows self-custody withdrawal. Trade Republic does not.
Profile A — Buy-and-hold with €5 000 crypto volume: 10 monthly €500 BTC buys.
| Item | Trade Republic | Bitvavo |
|---|---|---|
| 10× €500 BTC buy | 10× (€1 + ~€5 spread) = €60 | 10× ~€1.25 (0.25% taker) = €12.50 |
| 1× withdrawal €5 000 | €0 | €0 (fiat) |
| Tax (steuereinfach) | included (KESt automatic) | self-declaration |
| Yearly cost A | ≈€60 | ≈€13 |
Profile B — Active crypto trader with €50 000 yearly volume over 200 trades, 5 coins staked at €10 000 each.
| Item | Trade Republic | Bitvavo |
|---|---|---|
| 200× trade spread/fee | ~€495 (€1 + ~0.99% spread) | ~€100 (0.15% maker average) |
| Staking yield 5 coins | not offered | ~5% p.a. variable |
| Yearly balance B | −€495 | −€100 + staking |
Bitvavo wins clearly on pure crypto volume. Trade Republic only makes sense for crypto-casual + steuereinfach convenience + other asset classes in the mix.
Pick: Trade Republic. Steuereinfach, multi-asset, 2.75% cash interest.
Pick: Bitvavo. 400+ coins, low fees, staking.
Pick: Bitvavo. Wallet withdrawal available. Trade Republic not.
Pick: Bitvavo. 0.15% maker fee beats Trade Republic 0.99% spread.
Pick: Trade Republic. Bitvavo min savings rate €5.
Answers to the most common questions about Bitvavo vs Trade Republic.
For order fees, Bitvavo leads at 0.25 %, while Trade Republic charges 1€ pro Order. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitvavo is regulated by DNB · MiCA, Trade Republic by BaFin. Both fall under EU oversight. Deposit protection: Bitvavo -, Trade Republic 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.
Trade Republic offers free ETF savings plans from 1€. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Bitvavo: -, Trade Republic: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Trade Republic leads on cash interest at 3.25%. Watch the conditions — some brokers require a paid plan or cap the amount.
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.
