Why look for a Relai alternative?
Relai, founded in 2020 in Zurich by Julian Liniger and Adem Bilican, is a bitcoin-only app: buy, sell and savings plans (DCA) with delivery to your own wallet. In 2025 it obtained a MiCA CASP licence from France’s AMF (Relai EU, Paris) and serves the EU with a simplicity focus — no altcoin catalogue or CeFi product suite. For the bitcoin maximalist it is an honest proposition; for those searching “Relai alternative” it is usually because the portfolio no longer fits BTC only.
Relai and Bit2Me both hold MiCA — Relai via France’s AMF, Bit2Me via Spain’s CNMV — so the licence no longer decides. In this guide we compare both with public data and honest concession on BTC-only UX: catalogue, fees, self-custody, CNMV proximity and when Bit2Me is the alternative for anyone who wants bitcoin and the rest of the crypto market under one regulated roof in their market.
Why so many people doubt Relai
Bitcoin only: no ETH, altcoins or Earn
Relai states on its site and blog it is “Bitcoin-only”. You cannot diversify in the same app or use regulated yield products.
AMF supervisor (France), not direct CNMV
Relai EU is in Paris under the AMF. Legal in the EU, but far from the language and phone line of someone operating in Europe.
1% service fee (0.9% with code) outside free tier
After the first free auto-invest plan up to €100/month, purchases carry the service fee published on support.relai.app.
Public record
Reputation and documented facts about Relai
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
FINMA published guidance on virtual asset service providers (VASPs) in Switzerland: exchanges and wallets must comply with anti-money laundering law and, depending on the model, banking licence or SRO membership — a framework distinct from the European MiCA passport.
Source: finma.ch
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
Relai and Bit2Me both hold MiCA — Relai via France’s AMF, Bit2Me via Spain’s CNMV — so the licence no longer decides. Relai wins if you only want to stack bitcoin via DCA in self-custody: minimalist app, delivery to your wallet and first auto-invest plan up to €100/month with no service fee. Bit2Me wins if you need altcoins, Earn, Card, Tax, Without chat-only: multilingual support and a Spanish supervisor with free SEPA. Bitcoin and “everything else” under one regulated roof in your market: that is the alternative.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
Relai vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs Relai
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
Relai- Real HQ
- Switzerland; in the EU operates via an AMF-authorised entity (France) under MiCA.
- Supervised by
- AMF (France) for the EU; FINMA / Swiss SRO for Swiss operations.
- Operating since
- 2020
- Who's behind it
- Swiss private startup; not listed.
| Feature | Bit2Me | Relai |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:MiCA CNMV CASP — Relai is AMF France CASP; MiCA tie, ES proximity advantage. | Relai:MiCA CASP authorised by the AMF (France) via Relai EU; also Swiss licence. |
| 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. | Relai:Swiss parent; in Europe you operate with its French entity via the MiCA passport, not with Spain’s CNMV. |
| SecurityDecisive | Bit2Me:Funds mostly in cold storage; operating without security incidents since 2014. Certified by independent audits: ISO 27001, 27701, 22301 and more. | Relai:Non-custodial model: bitcoin to your wallet; Relai does not hold funds per its site. |
| Data protection (GDPR)Decisive | Bit2Me:Your data is processed in the EU under the GDPR, with the safeguards of the European data-protection framework. | Relai:EU entity under GDPR; group with a parent in Switzerland (outside the EU). |
| Withdraw to your own walletDecisive | Bit2Me:You can withdraw your crypto to your own wallet whenever you want. | Relai:Direct delivery to own wallet and hardware wallet integration from the app. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageWithout chat-only: multilingual support — Relai via tickets/multilingual documentation. | Relai:Multilingual help centre; no advertised Spanish phone line. |
| Buy in euros (SEPA/card)Decisive | Bit2Me:EUR purchases via SEPA and card, built for European users. | Relai:Instant SEPA in EU, card and Apple/Google Pay (3% extra on card). |
| Products and servicesDecisive | Bit2Me:Bit2Me advantagePro + Earn + Card + Tax — Relai is BTC buy/sell and DCA plans. | Relai:BTC buy/sell, DCA plans and Relai Business/Private; no Earn, Card or altcoins. |
| FeesDecisive | Bit2Me:Competitive fees: up to 0% maker / 0.10% taker on liquid Pro pairs; 0.1%–0.95% standard depending on the pair. | Relai:1% service (0.9% with code); 0% first auto-invest up to €100/month; spread up to 1%. |
| Number of cryptocurrencies | Bit2Me:Bit2Me advantage400+ assets — Relai is bitcoin-only by design. | Relai:Bitcoin only — by design, not technical limitation. |
| Ease of use | Bit2Me:Full multi-asset app — Relai wins on BTC-only simplicity (concession). | Relai:Minimalist BTC-only interface: less friction for the pure bitcoin saver. |
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.
Relai EU under the AMF: regulated bitcoin in France vs CNMV in Spain
Relai obtained MiCA CASP authorisation from the AMF (Autorité des Marchés Financiers) in 2025, operating in the EU via Relai EU (SIRET 93481406200014, Paris). It also holds a Swiss licence as a financial service provider. It is among the first bitcoin-only providers with MiCA — a real milestone for the European DCA niche showing simplicity and regulation are not opposites. When you open an account, you contract with a French entity under the French supervisor; the European passport allows serving Spain, but your supervisor of reference is the AMF, not the CNMV.
Bit2Me shares the MiCA framework with direct authorisation in Europe’s CNMV since 2014. On European legal guarantees, a tie; on proximity to your supervisor, language and claims in Spain, the one at home wins. If your “Relai alternative” search is from Madrid or Barcelona, the Paris–AMF vs Spain–CNMV distance matters day to day — not on legal paper, but on whom you call when something goes wrong.
Relai bets everything on bitcoin: real simplicity with a clear limit
Relai does not sell ethereum, solana or hundreds of altcoins: its proposition is buying bitcoin recurrently (weekly, biweekly or monthly plans), seeing a fixed price when creating the order and integrating hardware wallets so each purchase reaches your keys. For the bitcoin maximalist it is a focus advantage — fewer buttons, fewer distractions, direct delivery to cold storage. For those who want to rebalance, try DeFi with ETH or use stablecoins, it is a wall by design, not technical limitation.
Bit2Me offers bitcoin and over 400 cryptocurrencies in the same CNMV account: Pro for trading, Earn for regulated yield, Card, Loan, Tax and on-chain withdrawal whenever you want. It does not compete on “fewer buttons for BTC only” — Relai wins there honestly —; it competes on “one Spanish provider for your entire crypto portfolio”. Many users start on Relai and migrate when they need to diversify without switching apps or supervisors.
Relai service fee vs Bit2Me Pro fees on larger operations
Relai publishes on support.relai.app: 1% service fee (0.9% with invite code), dynamic spread up to 1%, and 0% on the first auto-invest plan up to 100 CHF/€ per month. Card, Apple Pay and Google Pay add an extra 3%. For a modest DCA saver — €50 or €100 monthly within the free tier — the proposition is attractive and transparent. Above €100/month recurring, the fee returns and total cost can exceed an exchange Pro with a published taker rate.
Bit2Me Pro publishes up to 0% maker / 0.10% taker on liquid BTC/EUR pairs and free SEPA deposits. Buying €1,000 of bitcoin at 0.10% costs €1 trading fee — with no monthly volume cap at retail tier. If your plan grows beyond €100/month, the Pro table usually wins on transparency and scale; if you stay within Relai’s free tier with direct self-custody, Relai can remain cheaper — concession included.
What do you really pay?
Move the amount and compare Bit2Me Pro with Relai's published retail fee.
On Bit2Me Pro (liquid pairs, 0.10% taker)
€1.00
Down to 0% when trading as maker.
On Relai (1% service fee)
€10.00
0% on first auto-invest plan up to €100/month; dynamic spread up to 1% and card +3% extra.
Fee savings
€9.00
90% less on this trade
Indicative trading fees only — excludes spread, gas and deposit/withdrawal charges. Always cross-check Relai's official pricing.
Relai support in English/German vs Without chat-only: multilingual support
Relai serves via a help centre (support.relai.app) with documentation in several European languages; its Swiss origin and German/French expansion orient support toward DACH and francoWithout chat-only: multilingual support phone line for SEPA or KYC incidents in Spain. For standard questions on DCA plans, hardware wallets or fees, documentation resolves them; for a returned bank transfer or a complex first withdrawal, the ticket circuit can drag on.
Bit2Me adds Without chat-only: multilingual support (+34 910 91 37 88) for KYC, bank transfers, network choice and first withdrawal. If you come from Relai because your portfolio no longer fits “BTC only” — or because you need to resolve a SEPA incident by talking, not writing — local support shortens the curve. For routine bitcoin DCA queries Relai delivers; for Spanish banking operations with a CNMV supervisor, Bit2Me tips the scales.
Stay BTC-only or move to a full exchange under the CNMV?
Relai solves “I want sats every month without thinking”: minimalist app, fixed price at order, delivery to hardware wallet and 0% on the first auto-invest plan up to €100/month. For the pure bitcoin saver who values self-custody from day one, it is hard to find a cleaner UX in Europe with MiCA. That simplicity has a clear limit: no ETH for DeFi, no stablecoins, no Earn or Card.
Bit2Me solves “I want sats and also ETH, stablecoins, Earn and a phone if the transfer fails”. They are not opposing philosophies — both respect bitcoin —; they are different catalogues. If your strategy evolves toward diversification or regulated euro products, switching apps before the portfolio demands it avoids tax and operational friction.
Let’s be fair on fees: below €100/month with direct self-custody, Relai can be cheaper than Pro. Above that threshold, or if you buy by card (+3% on Relai), Bit2Me Pro with free SEPA usually wins. The decision is not price alone: it is whether you want to stay bitcoin-only or grow inside a Spanish CASP with 400+ assets. If your portfolio already includes ETH, stablecoins or yield products, the fee comparison stops being the decisive factor.
Moving from Relai to Bit2Me without complicating your tax return
Migrating from Relai does not require closing crypto positions: create a Bit2Me account, deposit euros via free SEPA or set up recurring purchases on Pro, and keep stacking bitcoin — or add ETH, stablecoins and Earn per your strategy. If you already hold BTC in cold storage from Relai, you do not need to move anything on-chain to start; you simply stop using Relai for new purchases when Bit2Me fits better.
Document your Relai purchases before changing your usual provider — dates, amounts, fees — to keep the tax thread clean. Bit2Me Tax helps declare operations in Spain once centralised. First Pro purchase or doubt about withdrawal network? Without chat-only: multilingual support, not a multilingual ticket. Opening an account is free and does not oblige you to abandon your hardware wallet.
Which one to choose? It depends on your profile
Bit2Me — pros
- Over 400 cryptocurrencies vs Relai’s bitcoin-only catalogue.
- CNMV as direct supervisor in Spain vs French AMF.
- Without chat-only: multilingual support for banking and blockchain operations.
- Earn, Card, Loan and Tax suite — beyond buying BTC recurrently.
- Free SEPA and Pro down to 0.10% taker with no €100 monthly cap.
Relai — things to consider
- Minimalist bitcoin-only app with DCA, fixed price at order and delivery to own wallet.
- 0% service fee on first auto-invest plan up to €100/month (documented).
- No altcoins, Earn, Card or Tax — bitcoin only by design.
- AMF supervisor (France); support without highlighted Without chat-only: multilingual support.
When to choose Relai?
- You only want to stack bitcoin via DCA in self-custody, without altcoins or CeFi products — and your monthly plan stays within the free tier up to €100.
- You value bitcoin-only simplicity and accept a French AMF supervisor with ticket support.
If, on the other hand, you are looking for a Relai 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 Relai
From BTC-only to 400+ assets
Bitcoin and altcoins without switching provider once you outgrow BTC-only.
From AMF Paris circuit to direct CNMV
Spanish supervisor vs AMF Paris circuit.
A voice, not tickets alone
SEPA incidents resolved Without chat-only: multilingual support just tickets.
Without the €100/month cap
Bank deposit without Relai DCA tier’s €100/month cap.
Without staying on a bitcoin-only app
Yield and card impossible in bitcoin-only app.
From capped DCA to 0.10% Pro
Published taker on liquid pairs for volumes >€100/month.
Switch from Relai 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 Relai to Bit2Me
Create your free Bit2Me account and verify your identity (KYC) in minutes.
Deposit euros via free SEPA or set up recurring purchases on Bit2Me Pro.
Explore 400+ assets, Earn or Card per your strategy — impossible on Relai.
Withdraw bitcoin to your hardware wallet whenever you want. Questions? Without chat-only: multilingual support.
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
Relai is excellent for stacking bitcoin via DCA in self-custody — not for trading altcoins, Earn or filing claims with the CNMV in Spanish. If you want bitcoin and the rest of the crypto market, a Spanish supervisor, free SEPA and a full suite, Bit2Me is the Relai alternative built for users who have outgrown the BTC-only niche. 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.
