Why look for a DEGIRO alternative?
DEGIRO revolutionised the European retail broker with low fees on stocks and ETFs since 2008. For “crypto”, its official site and helpdesk are explicit: direct cryptocurrency trading is not possible — instead it offers ETPs and ETNs tracking bitcoin, ethereum and baskets, tradable as securities during market hours under Dutch AFM supervision.
DEGIRO’s FAQ also confirms you cannot transfer crypto in or out of the account. Doc 08’s wedge applies literally: <em>an ETP is not crypto you can withdraw to your wallet</em>. In this guide we compare DEGIRO and Bit2Me with public sources — degiro.ch/en/investing/buying-crypto and the official helpdesk — for anyone seeking crypto exposure in Europe who confuses “buying bitcoin on DEGIRO” with holding bitcoin. If your goal is to pay, stake or send to cold storage, the ETN vs real asset distinction decides the choice before the first order. Many users arrive from a cheap stocks depot and discover late that their “bitcoin” cannot leave the broker.
Why so many people doubt DEGIRO
No direct crypto or transfers
DEGIRO helpdesk: no direct crypto trading; impossible to transfer crypto in/out of account.
€2 + €1 + 0.25% FX
Per-trade commission on trackers plus handling fee and FX conversion on non-EUR products.
AFM broker, not MiCA CASP
Dutch investment-firm regulation for securities; different from MiCA crypto CASP framework.
Public record
Reputation and documented facts about DEGIRO
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
The Dutch supervisor (AFM) publicly warned about risks of CFDs and leveraged products for retail investors, the context in which brokers such as DEGIRO operate with limited crypto.
Source: afm.nl
These records do not rule out the competitor being suitable in other contexts; they are part of the due diligence worth doing before depositing funds.
Verdict
DEGIRO is the low-cost Dutch broker regulated by the AFM that lists crypto trackers (ETPs/ETNs) — VanEck Bitcoin ETN, CoinShares Physical Bitcoin, etc. — but does not allow direct crypto trading or transfers per its own helpdesk. Bit2Me is a CNMV CASP under MiCA: you buy real assets, custody them and withdraw to a wallet. If you want withdrawable bitcoin, not an ISIN in a depot, Bit2Me is the alternative.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
DEGIRO vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs DEGIRO
An exchange isn't chosen on price or catalogue alone. Look at who answers for your money, from where and with what backing.
Bit2Me- Real HQ
- Spain (EU) — parent company, not a subsidiary
- Supervised by
- CNMV (Spain), under MiCA
- Operating since
- 2014, with no security incidents
- Who's behind it
- Backed by Tether, Telefónica, Bankinter and other institutions
DEGIRO- Real HQ
- Netherlands (EU).
- Supervised by
- AFM and DNB (Netherlands) — broker; crypto via ETPs, not a MiCA CASP.
- Operating since
- 2008
- Who's behind it
- Subsidiary of flatexDEGIRO AG (listed in Germany).
| Feature | Bit2Me | DEGIRO |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:Bit2Me advantageMiCA CNMV CASP; DEGIRO is an AFM tracker broker, not a crypto CASP. | DEGIRO:DEGIRO B.V. — AFM broker; crypto only via ETPs/ETNs, not MiCA crypto CASP. |
| Real HQ & jurisdictionDecisive | Bit2Me:Bit2Me advantageA Spanish company headquartered in Spain (EU): you contract, file claims and are supervised before the CNMV, with no intermediary subsidiaries. | DEGIRO:Dutch broker; crypto access via listed products (ETPs), not dedicated CNMV exchange custody. |
| SecurityDecisive | Bit2Me:Bit2Me advantageFunds mostly in cold storage; operating without security incidents since 2014. Certified by independent audits: ISO 27001, 27701, 22301 and more. | DEGIRO:ETNs/ETPs in depot with issuer risk; no personal on-chain crypto custody. |
| Data protection (GDPR)Decisive | Bit2Me:Your data is processed in the EU under the GDPR, with the safeguards of the European data-protection framework. | DEGIRO:EU company under GDPR. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageEuropean support with a local team, assisting in Spanish and other EU languages, including phone support. | DEGIRO:Broker helpdesk for securities orders; no Spanish crypto wallet support. |
| Buy in euros (SEPA/card)Decisive | Bit2Me:Bit2Me advantageEUR purchases via SEPA and card, built for European users. | DEGIRO:Fiat deposit to securities account to buy trackers; no crypto spot exchange. |
| Products and servicesDecisive | Bit2Me:Bit2Me advantageReal crypto suite; DEGIRO only ETNs/ETPs in depot. | DEGIRO:Crypto trackers (ETN/ETP) + stocks/ETFs; no Earn, Card or real crypto Tax. |
| Withdraw to your own walletDecisive | Bit2Me:Bit2Me advantageStandard on-chain withdrawal; DEGIRO prohibits crypto transfers. | DEGIRO:Crypto in/out transfers not possible per official helpdesk. |
| FeesDecisive | Bit2Me:Bit2Me advantageCompetitive fees: up to 0% maker / 0.10% taker on liquid Pro pairs; 0.1%–0.95% standard depending on the pair. | DEGIRO:From ~€2 commission + €1 handling per tracker trade (+ 0.25% FX). |
| Ease of use | Bit2Me:Crypto app with Pro, Wallet and Academy in Spanish. | DEGIRO:Broker platform well known for simplicity and low stock costs. |
Bit2MeHow we made this comparison
We analyse regulation, security, support, fees and catalogue using public, verifiable information from both platforms, updated as of July 1, 2026. Bit2Me is the platform publishing this page, so we have deliberately included points where the competitor stands out, and we recommend always checking the data on the official websites before deciding.
Sources consulted (July 1, 2026)
Regulated by the CNMV · Support in your language · +1 million users
Why Bit2Me lets you sleep at night
When both platforms can be regulated in Europe, the decision moves to practical trust: where you contract, who answers you, how you move euros, and how easy it is to resolve a problem.
Crypto that doesn't stain you
Bit2Me complies with KYC/AML and is registered with the Bank of Spain: your operations don't mix with illicit-origin funds on a supervised platform.
Headquartered in Spain, not a tax haven
Bitcoinforme S.L. operates under European law with the CNMV as its direct supervisor.
Free, automatic tax report
Download it from the app or web for every tax year you've traded, at no extra cost. It generates itself from your activity.
No security incidents since 2014
Five consecutive independent audits back our operational soundness.
Human support in your language
24/7 support in your language, with a phone line (+34 910 91 37 88) and people — not bots — answering from Spain.
A platform that doesn't go down
Multi-region high availability, 24/7, 365 days a year, with ~100 ms average response.
Your funds, when you decide
Withdraw to your own wallet at any time. No lock-in, no penalty.
$150M insurance on custody
Assets in Bit2Me Custody are insured for $150M (USD), with segregated cold storage and multisig + HSM FIPS 140-2.
DEGIRO B.V. under the AFM: securities broker with trackers, not a MiCA crypto CASP
DEGIRO B.V. operates as a Dutch broker under the AFM. Its helpdesk states that, due to regulatory requirements, direct cryptocurrency trading is not possible on the platform; exposure goes through listed ETPs/ETNs — VanEck Bitcoin ETN, WisdomTree Physical Bitcoin, 21Shares Bitcoin ETP, CoinShares Physical Bitcoin, etc. — per degiro.ch/en/investing/buying-crypto. That is investment-firm regulation for securities, different from the MiCA crypto CASP framework. DEGIRO also warns these trackers are high risk and recommends prior experience — consistent with an issuer-debt product, not a withdrawable native asset. Anyone seeking “buy bitcoin on DEGIRO” actually buys an ISIN.
Bit2Me is authorised as a MiCA CASP by the CNMV in Spain with crypto operations since 2014. Buying real BTC/EUR, custoding and withdrawing on-chain is the product — not a depot tracker with an ISIN. For anyone who confuses “buying bitcoin on DEGIRO” with holding bitcoin, the regulatory distinction avoids surprises: an AFM broker does not replace a crypto CASP when you need a deposit address, Ledger withdrawal or Earn on a real asset.
VanEck trackers in a DEGIRO depot vs real crypto custody at Bit2Me
At DEGIRO you hold ETN/ETP units — issuer debt or securities tracking price — with counterparty and liquidity risk in stress, per its high-risk warning on crypto trackers. There is no BTC deposit address or personal on-chain proof of reserves: your “bitcoin” is an ISIN on screen, tradable during Amsterdam or Frankfurt market hours, not sats you can send to a wallet. DEGIRO warns these products are for experienced investors — an honest signal that you are not buying native crypto.
Bit2Me publishes dedicated crypto custody: mostly cold storage, a $150 million Custody policy, no security incidents since 2014 and audited ISO. Withdrawal to Ledger as standard service — impossible with a DEGIRO ETN. If your yardstick is “can I send my sats to cold storage?”, the answer exists only at a crypto CASP.
DEGIRO tracker fees: €2 + €1 + 0.25% FX vs Bit2Me Pro spot
DEGIRO charges per trade on trackers (e.g. €2 commission + €1 handling on many markets, plus 0.25% FX if the product is not in EUR) per its public schedule — plus underlying market spread and the ETN issuer’s annual TER, which can exceed 1% depending on product. It is cheap for stocks; total tracker cost includes layers not shown on the broker commission line. A monthly ETN DCA repeats those layers twelve times a year — versus transparent Pro spot where €1,000 at 0.10% costs €1.
Bit2Me Pro publishes up to 0% maker / 0.10% taker on liquid pairs and free SEPA deposits on real spot assets. On €1,000 at 0.10% taker you pay €1 and receive custodied withdrawable bitcoin — no ISIN or Amsterdam/Frankfurt market hours. DEGIRO wins if you want an ETN in the same stocks account; Bit2Me wins if you want operable BTC 24/7.
What do you really pay?
Move the amount and compare Bit2Me Pro with DEGIRO's published retail fee.
On Bit2Me Pro (liquid pairs, 0.10% taker)
€1.00
Down to 0% when trading as maker.
On DEGIRO crypto trackers (+ 0.25% FX)
€2.50
€2 commission + €1 handling per trade; plus ETN TER and market spread.
Fee savings
€1.50
60% less on this trade
Indicative trading fees only — excludes spread, gas and deposit/withdrawal charges. Always cross-check DEGIRO's official pricing.
DEGIRO helpdesk for ETN orders vs CNMV crypto phone line
DEGIRO resolves securities-account incidents, ETN orders and market connectivity — not “which network do I pick to withdraw USDT?” because there is no wallet. Its crypto FAQ points to trackers and warns high risk for inexperienced investors. Support is sized for a securities broker, not blockchain operations. If your issue is “my ETN does not track spot” or “can I send BTC to MetaMask?”, the official answer is no — and that is not a support failure, it is the product.
Bit2Me offers Without chat-only: multilingual support with a European team for SEPA, CNMV verification and on-chain withdrawals. It complements what a tracker broker cannot offer the pure crypto investor. The day you need to explain a pending blockchain withdrawal, the difference between a securities helpdesk and a crypto exchange shows in full.
VanEck Bitcoin ETN or BTC in Bit2Me Wallet?
DEGIRO lists products like the VanEck Bitcoin ETN (DE000A28M8D0) — useful for market exposure in the same stocks/ETFs account, useless if you want to pay with crypto, stake on-chain or send to cold storage. DEGIRO confirms in its helpdesk that crypto in/out transfers are not possible. Bit2Me sells the underlying asset with withdrawal included — Earn, Card and Pay are impossible with a depot ETN. A €200 monthly ETN DCA repeats broker commission (~€2 + €1 handling), FX and issuer TER; Bit2Me Pro at 0.10% taker leaves €200 at €0.20 per trade — real bitcoin, 24/7, without waiting for Amsterdam market open.
Migration from DEGIRO means selling the ETN during market hours, transferring euros via SEPA to Bit2Me and buying real spot — no on-chain shortcut because DEGIRO does not custody native crypto. The process takes as long as the market needs to execute the sale plus bank transit; there is no direct sats deposit. Free SEPA deposits and Without chat-only: multilingual support walk you through the first real purchase, with CNMV verification and wallet withdrawal when you want.
Which one to choose? It depends on your profile
Bit2Me — pros
- MiCA CNMV CASP versus AFM broker without direct crypto trading.
- On-chain withdrawal; DEGIRO confirms crypto in/out transfers impossible.
- 24/7 spot versus trackers with limited market hours.
- Custody with a $150 million policy on real assets.
- Without chat-only: multilingual support for the Without chat-only: multilingual support.
DEGIRO — things to consider
- Very low-cost broker for stocks/ETFs with a wide crypto tracker selection.
- AFM-regulated bitcoin exposure via known ETNs (VanEck, CoinShares, 21Shares).
- No direct crypto or on-chain transfers — only securities in depot.
- High-risk trackers with market hours; DEGIRO warns inexperienced investors.
When to choose DEGIRO?
- You want bitcoin exposure via ETN in the same stocks/ETFs account with minimal broker commissions.
- You do not need on-chain withdrawal, Earn or paying with crypto — only tracking price in depot.
If, on the other hand, you are looking for a DEGIRO alternative because you care about European regulation, predictable fees, the safety of your funds and support in your language, Bit2Me addresses exactly those needs.
What you gain switching from DEGIRO
From depot ETN to real BTC
Withdrawable satoshis; DEGIRO confirms crypto in/out transfers impossible.
Without Amsterdam market hours
24/7 spot versus ETNs tradable only during market session.
A voice, not ISIN tickets
Phone for network, SEPA and first withdrawal — impossible with a depot tracker.
Switch from DEGIRO to Bit2Me
Open your account in minutes: euros via SEPA, full CNMV oversight and support in your language when you need it.
15€ welcome bonus when you create your account and buy €100 or more in crypto. Promotion subject to terms.
Regulated by the CNMV · Support in your language · +1 million users
How to switch from DEGIRO to Bit2Me
Sell your crypto ETN/ETP on DEGIRO (you receive euros in the securities account — no transferable BTC).
Create your free Bit2Me account and verify your identity (KYC) in minutes.
Deposit euros via free SEPA transfer and buy real crypto-assets on Bit2Me Pro.
Questions? Phone support in your language walks you through it. Withdraw to your wallet — impossible with a DEGIRO tracker.
15€ free when you create your account and buy €100 or more in crypto
Regulated by the CNMV · Support in your language · +1 million users
What they say about Bit2Me and who backs us
4.2/5
“One of the most reliable exchanges in the world, based on an analysis of 40+ indicators: fiscal headquarters, transparency, asset protection and user experience.”
“The Good Exchange: the most easy, secure and complete crypto exchange.”
Frequently asked questions
Conclusion
DEGIRO is an excellent low-cost broker for stocks and ETFs; its “crypto” is depot trackers, not withdrawable assets. If you want to buy, custody and send real bitcoin in Europe under the CNMV, with free SEPA and Without chat-only: multilingual support, Bit2Me is the DEGIRO alternative for real crypto. Opening an account is free and takes minutes.
Data accuracy
This comparison draws on publicly available information on the internet — official fee schedules, regulator registers and verifiable announcements — and was cross-checked on July 1, 2026. If you spot an error or outdated figure, contact us and we will review it.
