Here we compare MiCA-regulated crypto exchanges with a partner programme by fees, choice of coins and features.
Fees as of November 2026, plus spread.
Which exchange offers which financial products?
Not every exchange offers everything: some only provide spot trading, others also savings plans, staking, shares or derivatives. The table shows what you can use at each exchange as a customer in Germany.
| Exchange | Spot trading (order book) | Savings plan | Staking | Derivatives / futures | Shares / ETFs | Precious metals | Copy trading | Withdrawal to own wallet | Tax report | Crypto card |
|---|---|---|---|---|---|---|---|---|---|---|
 Bitpanda | No | Yes | Yes | No | Yes | Yes | No | Yes | Yes | n/a |
 Finst | n/a | Yes | Yes | No | No | No | No | Yes | n/a | No |
 Bitvavo | Yes | Yes | Yes | No | No | No | No | Yes | n/a | No |
 Crypto.com | Yes | n/a | Yes | n/a | Yes | n/a | No | Yes | n/a | Yes |
 Coinmerce | No | Yes | Yes | No | No | No | No | Yes | n/a | No |
 OKX | Yes | Yes | Yes | Yes | Yes | n/a | n/a | Yes | n/a | Yes |
 eToro | No | Yes | Yes | Yes | Yes | n/a | Yes | Yes | n/a | n/a |
 BISON | No | Yes | Yes | No | Yes | n/a | No | Yes | Yes | No |
 Kraken | Yes | Yes | Yes | Yes | Yes | n/a | No | Yes | Yes | Yes |
 Coinbase | Yes | n/a | Yes | Yes | n/a | No | No | Yes | n/a | Yes |
Based on the providers' own product pages (November 2026). "n/a" = not clearly stated by the provider. Derivatives are high-risk products.
Fees compared
The stated trading fee is the most important cost item, but not the only one. The chart shows the fee for a €1,000 purchase in the entry tier – only for exchanges that publish their fee clearly.
- Finst
- €1.50
- OKX
- €2.00
- Bitpanda
- €2.50
- Bitvavo
- €2.50
- Coinmerce
- €2.50
- Crypto.com
- €5.00
- Coinbase
- €5.00
- Kraken
- €8.00
- eToro
- €10.00
- BISON
- €12.50
Fees as published by the providers in November 2026. Lower fees usually apply at higher trading volumes; the simple in-app purchase is often more expensive.
Bitcoin and Ether price over the last 12 months
The charts show how much cryptocurrencies can fluctuate within a year. Hover over a chart to see the price on a specific day.
-26.7 % · 12 months
- 12-month high:
- €85,578
- 12-month low:
- €51,474
Show as table
| Month | Price (month end) |
|---|---|
| November 2025 | €78,307 |
| December 2025 | €75,315 |
| January 2026 | €70,941 |
| February 2026 | €55,755 |
| March 2026 | €57,640 |
| April 2026 | €64,614 |
| May 2026 | €63,366 |
| June 2026 | €52,704 |
| July 2026 | €56,185 |
| August 2026 | €67,011 |
| September 2026 | €73,753 |
| October 2026 | €68,968 |
| November 2026 | €62,741 |
-36 % · 12 months
- 12-month high:
- €2,887
- 12-month low:
- €1,362
Show as table
| Month | Price (month end) |
|---|---|
| November 2025 | €2,577 |
| December 2025 | €2,530 |
| January 2026 | €2,280 |
| February 2026 | €1,634 |
| March 2026 | €1,749 |
| April 2026 | €1,921 |
| May 2026 | €1,735 |
| June 2026 | €1,410 |
| July 2026 | €1,664 |
| August 2026 | €2,085 |
| September 2026 | €2,361 |
| October 2026 | €2,001 |
| November 2026 | €1,775 |
Source: CoinGecko, daily closing prices in euros. As of: 13/11/2026, 03:31. Past performance is not an indicator of future results.
How a crypto exchange differs from a broker
On a crypto exchange you trade cryptocurrencies directly – usually with a large choice of coins, an order book and the option to withdraw coins to your own wallet. A securities broker often offers crypto only as an extra alongside shares and ETFs, with fewer coins and sometimes no withdrawal to your own wallet. This page shows crypto exchanges and crypto platforms only. Crypto at classic brokers is covered in the crypto comparison and the securities account comparison.
Which exchanges are listed here
This page lists crypto exchanges authorised under MiCA that offer a partner programme. Links marked with * are partner links: if you open an account through one of them, we receive a commission – the price stays the same for you. Exchanges with a stated number of tradable cryptocurrencies are shown first, sorted by that number; the commission plays no role in the order. We do not include exchanges without EU authorisation. The general crypto comparison gives a broader overview including brokers.
Regulation under MiCA
Since 30 December 2024 the EU Markets in Crypto-Assets Regulation (MiCA, Regulation (EU) 2023/1114) has applied. Crypto service providers need authorisation as a CASP from an EU supervisory authority and may then operate in all EU countries; the national transitional periods expired by 1 July 2026 at the latest. You can check whether an exchange is authorised in ESMA's CASP register. MiCA governs authorisation, custody and transparency – it does not protect against price losses, and coins are not covered by deposit guarantee schemes.
Comparing fees properly
- Trading fee: exchanges with an order book usually charge percentage maker/taker fees that fall as trading volume rises.
- Spread: the simple instant buy in the app includes a mark-up in the price, often more expensive than the stated fee.
- Deposits and withdrawals: SEPA deposits are often free; withdrawing coins costs a network fee.
- Staking: many exchanges keep part of the staking rewards as a fee.
Crypto and taxes in Germany
Gains from selling privately held cryptocurrencies are tax-free after a holding period of more than one year (Section 23 German Income Tax Act). Within one year, realised gains remain tax-free as long as they total less than the €1,000 annual exemption limit. Staking rewards are taxable as other income when received (exemption limit €256). Since 2026, crypto service providers in the EU report customer data to tax authorities (DAC8). A tax report from the exchange makes your tax return easier. This is not tax advice.
Buying Bitcoin on an exchange in 4 steps
-
Choose an exchange
Compare fees, choice of coins and features. Check in the ESMA register whether the exchange holds a MiCA licence.
-
Open & verify an account
Sign up with your email, then complete identity verification (ID + selfie or video ident). Anti-money-laundering rules require this.
-
Deposit euros
By SEPA transfer, often free of charge. Card or PayPal payments are faster but usually cost a fee.
-
Buy & secure coins
Buying via the pro view with a limit order is usually cheaper than an instant buy. Enable two-factor authentication; move larger amounts to your own wallet.
Short crypto glossary
- Maker / taker
- Makers place an order in the order book that is not filled immediately; takers fill an existing order right away. Takers usually pay more.
- Spread
- Difference between the buy and sell price. With an instant buy in the app, this is often the largest cost component.
- Staking
- Coins are locked to help run a blockchain and earn rewards in return. The exchange usually keeps part of the rewards; the coins are often not immediately available during that time.
- Cold wallet
- Stores the private keys offline, e.g. on a hardware device. Protects against exchange hacks but requires careful backup of the recovery phrase.
- CASP
- Crypto-asset service provider – a crypto service provider authorised under MiCA. A licence from one EU country is valid throughout the EU.
- Limit order
- Buy or sell order at a set maximum or minimum price. Protects against execution at unfavourable prices.