We only explain Bitcoin. Here you will find providers where you can buy Bitcoin or hold it yourself – compared by the criteria that matter for beginners.
26providers · Last checked 28/09/2026
Inclusion
Minimum criteria for providers you buy from
Apps and exchanges with a customer account must meet all 5 points. Unlicensed P2P marketplaces (such as Bisq) are listed only as an alternative – without an ad link and clearly marked as unregulated in their profile.
Whether a provider offers only Bitcoin or other crypto assets as well plays no role in whether we list it. Wallets and tools are assessed by their own criteria, such as open source and security incidents. All criteria
Many providers here are exchanges that list other crypto assets besides Bitcoin. That does not rule them out: we only show you how to buy Bitcoin there – we do not explain or assess other crypto assets. Why we only explain Bitcoin
The 5 minimum criteria
MiCA licence in the ESMA registerlisted as a crypto-asset service provider in the ESMA register
Real bitcoinno certificate, no derivative – you buy actual bitcoin
Withdrawal to your own walletyou can move your bitcoin into self-custody at any time
Transparent costsfees and spreads are clearly disclosed
Two-factor authenticationyour account can be protected with a second factor
How this comparison works
Partners pay us a commission. That affects which providers we can link to – not how we rate them. How we rate →
Last checked 28/09/2026Order follows our assessment – not commissionChips show use cases, not a ranking
Comparison by beginner criteria
The key points at a glance. “–” means we have no verified information on this.
1% service fee plus an unquantified margin in the price, one savings-plan purchase of up to €100/month at a 0% service fee, card/Apple Pay/Google Pay +3% (as of Sept 2026)
Trading fee 0.89%, lower only from €50,000 monthly volume; savings plan 0% fee after the first week; on-chain withdrawal with ~24 h delivery: €0 fee (as of Sept 2026)
Beginners who want to hold their own keys from day one
Savers with a savings plan of €50 to €100 a month
Users who only want to buy Bitcoin
+Strengths
Bitcoin only
Your bitcoin land directly in your own wallet – no custody risk with the provider
One savings-plan purchase of up to €100 per month without a service fee
Relai pays the network fee when you buy
−Weaknesses
Minimum amount of €50 per transaction
Relai’s own margin in the price, which the price list does not quantify
Card, Apple Pay and Google Pay payments cost a 3% surcharge
You bear full responsibility for your recovery phrase
Savings plan
from €50
Withdrawal to your own wallet
Yes
Fees (summary)
1% service fee plus an unquantified margin in the price, one savings-plan purchase of up to €100/month at a 0% service fee, card/Apple Pay/Google Pay +3% (as of Sept 2026)
Available in
EU countries, Switzerland (not Iceland, Liechtenstein, Norway)
Anyone who wants to send and receive bitcoin over Lightning
+Strengths
Bitcoin only, no other crypto assets
Savings plan from hourly to monthly, 0% fee after the first week
No fee for on-chain withdrawals with around 24 hours’ delivery time, Lightning in seconds
No fee for euro deposits and withdrawals by SEPA
−Weaknesses
One-off buys cost 0.89% – cheaper only from €50,000 monthly volume
Bitcoin in the app are held by the provider (custody risk)
MiCA licence only since June 2026
Savings plan
Yes
Withdrawal to your own wallet
Yes
Fees (summary)
Trading fee 0.89%, lower only from €50,000 monthly volume; savings plan 0% fee after the first week; on-chain withdrawal with ~24 h delivery: €0 fee (as of Sept 2026)