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21bitcoin

FIOR Digital GmbH · Austria
Key points
Official sourceUnclaimedMiCA-licensed · Austria
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇦🇹 Austria
Founding date
2020
Team size
11-49
Number of customers
≈ 100 000
Trustpilot
4,8/5 →

Regulation

Regulatory licences
MiCA licence, notified on 27/11/2025
Licensing authority
Austrian Financial Market Authority (FMA)
Registered services
  • Custody
  • Transfer of crypto-assets
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 03/07/2026

21bitcoin is an Austrian app dedicated entirely to Bitcoin. It offers one-off purchases, a savings plan, custody and withdrawals to a personal wallet, with an experience designed for users who do not want exposure to altcoins. Custody relies on BitGo Europe, while the app also emphasises automated saving and the option to regularly transfer bitcoins to one's own self-custody solution.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 1

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, 21bitcoin suits some use cases more than others.

Minimum deposit: €10Mobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €10. Withdrawal to a personal wallet possible. Better rate on recurring purchase (DCA): 0 % versus 1,49 % on a simple purchase.

Available across the whole European Economic Area. Available in Switzerland.

03How much it costs

Deposit
SEPA transfer0 %
Trading
1,49 %
published spread
Tapering from 1,49 % (base) to 1,29 % (best tier)
Recurring buy (DCA)0 %
Holding

No known holding fees

Exit
EUR withdrawal1 €

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Instant purchase (Smash Buy): 1,49 % as the reference rate, 1,29 % depending on the applicable plan, i.e. 1,29–1,49 %. Savings plan / Auto-Invest: standard fees for the first 7 days, then 0 % from day 8 onwards as long as the plan remains active, i.e. 0–1,49 % for DCA. Limit order: 1,49 %. OTC from 100 000 €: 0,49–0,99 %. Instant sale: 1,49 %. EUR deposit, account and BTC custody: 0 €. EUR withdrawal: 1 € flat. BTC withdrawal: 1 000 sats.

Fee source: https://21bitcoin.app/en/fees · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

BitGo Europe (MiCAR sub-custodian for the cold wallet keys, hot/warm/cold combination), insurance up to $250M. Euros held on a dedicated IBAN at VR Bank Bayern Mitte (German cooperative bank).

05What to know before you start

Bitcoin-only service combining one-off purchases, DCA and insured custodial storage via BitGo Europe, with the option to withdraw to one's own wallet and automatic transfer to a personal wallet. Current fee schedule: savings plan at 0 % after 7 days; instant purchase 1,29–1,49 %. Account, SEPA deposits and custody free of charge; EUR withdrawal 1 €; BTC withdrawal 1 000 sats. Offer limited to Bitcoin, with no altcoins, staking, card or derivatives.

Compensation transparency: affiliate partnership with 21bitcoin: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is 21bitcoin licensed under MiCA?

Yes. FIOR Digital GmbH is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Austrian Financial Market Authority (FMA), Austria. Notification to the ESMA register: 27/11/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on 21bitcoin?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1,49 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on 21bitcoin?

1 crypto-asset is available on 21bitcoin.

What is the minimum deposit on 21bitcoin?

The minimum deposit is 10 €.

Can you withdraw your crypto from 21bitcoin to your own wallet?

Yes, 21bitcoin lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on 21bitcoin?

No, 21bitcoin does not offer staking.

Can you schedule recurring purchases (DCA) on 21bitcoin?

Yes, 21bitcoin lets you schedule recurring purchases (DCA).