21bitcoin exchange profile

The service concentrates on Bitcoin rather than an altcoin order book. Its published order menu distinguishes an immediate purchase or sale, bank-funded recurring saving, balance-funded Auto-Invest and a price-triggered purchase. Each has its own funding and cancellation mechanism.[6]

Custom Price Orders reserve the euro amount when placed. Active instructions share an aggregate €21,000 cap; cancellation or expiry releases the money. The interface uses UTC expiry information. The help guide’s calendar example is not precise enough to reconstruct every deadline, so the displayed expiry should be read before submitting an order.[8]

The fee guide describes a 20-second quote guarantee and a safety margin embedded in that price, without a numerical margin schedule. Commission alone therefore does not establish the all-in difference from another venue’s simultaneous quote. On a hypothetical €1,000 commission basis, 1.49% is €14.90 and 1.29% is €12.90: a €2 difference before price effects or withdrawal.[5]

Auto-Invest’s zero-commission qualification depends on interval: hourly/daily plans count seven active days, excluding paused days; weekly, fortnightly and monthly plans charge the first purchase and then use 0%.[7]

The public fee page quotes 0.99%/0.79% initially.[4]

The help tariff instead says the instant-order fee applies. That initial-rate conflict remains unresolved; check the app confirmation. Ordinary bank standing orders have a separate tariff.[5]

The May limits guide retains a €100,000 instant-buy cap, 2.1 BTC sale cap and €100,000 euro-withdrawal cap.[26]

The table above follows the newer, 30 September fee page. However, that page’s own FAQ says there is no withdrawal minimum, contrary to its numerical table. Confirm the current account limit before relying on a small transfer.[4]

The retained help tariff also gives a Bitcoin deposit minimum one tenth of the newer table’s amount. The current deposit screen should resolve that discrepancy before funding.[5]

21private provides a named contact, documentation support and individually arranged execution. Its page allows trades above €1 million even though the general tariff table ends there. A hypothetical €600,000 trade at 0.59% incurs €3,540 commission before any separately agreed price effects. Custody and self-custody support do not imply a discretionary investment mandate.[9]

Euro deposits must arrive through SEPA from an account in the customer’s name, with the correct payment details. SWIFT payments are unsupported and returned. The first payment from a new bank can need manual verification; a displayed virtual IBAN does not make FIOR itself a bank.[10]

For a hypothetical 2,500,000-sat threshold, Auto Wallet Transfer triggers at 2,501,000 sats. Its advertised 10–30-minute processing expectation applies after relevant checks; the new-wallet hold still matters. Batching purchases into one withdrawal can reduce the number of separate fees, but does not remove the custody exposure while the balance accumulates.[13]

FIOR’s custody policy describes omnibus client wallets, with each customer’s position recorded in an internal ledger and separated legally and operationally from company assets. Account credentials and additional verification control withdrawals. Until Bitcoin has reached a wallet whose keys the customer controls, choosing an automatic transfer mode does not remove the provider’s interim custody role.[18]

The security page names BitGo Europe for cold-key infrastructure, alongside hot and warm wallets, and advertises up to US$250 million of insurance within that infrastructure, subject to policy terms. It does not establish US$250 million of protection for each user, unrestricted coverage for account fraud, or a directly enforceable personal payout. The company says customer Bitcoin is not used for its own trading or financing.[19]

The terms permit holds after security-detail changes without a universal duration. This differs from the specified new-wallet waiting period.[3]

Registration requires an adult with a supported smartphone, verified phone number, accurate identity details and information about intended use, income and funds. The onboarding guide supports iOS and Android and requires identity verification before trading. It does not establish a separate desktop terminal or the behaviour of every session after reinstalling the app.[24]

The terms exclude US residents and citizens and sanctioned persons; accounts must serve the client’s own benefit.[3]

Interest is separately limited to eligible tax residents of Germany and Austria. Broader European crypto permissions do not expand that feature.[36]

The terms permit a monthly residual-balance processing charge of 5%, bounded by €1.10 and €50 and capped by the remaining balance. The commencement wording around the two-month period is ambiguous. This is a post-termination clause, not an established ordinary inactivity fee.[3]

Support is available through app or website chat. The contact page publishes Monday–Friday 09:00–18:00 and weekends/holidays 10:00–14:00, without an explicit time-zone label. Its average reply claim of under 15 minutes is not a guaranteed service level. No independent emergency trading line was established.[27]

The terms allow planned and unplanned interruptions. The reviewed materials establish no guaranteed offline dealing method.[3]

A disclosed third-party incident affected the Canny/Intercom integration on 28 August 2026. 21bitcoin says it revoked the stolen integration credential that day and became aware of the exposure on 29 August. Its account describes contact and some support-context data, including historical balances, as exposed, while excluding passwords, identity attachments and transaction history. It says trading and custody systems were unaffected. These are the company’s investigation findings, not an independent forensic certification; the integration was removed and anti-phishing measures followed.[38]

For Austrian tax residents, deposited Bitcoin requires acquisition details before onward sale or withdrawal. The platform distinguishes pre-March-2021 holdings, newer holdings and unknown costs, with different disposal ordering. Its published unknown-cost rule treats half of sale proceeds as gain and applies 27.5% withholding. A hypothetical €10,000 sale therefore gives €1,375 withholding under that rule, before adjustments. This describes the platform’s procedure, not every customer’s final tax liability.[30]

The FMA states that FIOR Digital GmbH, register number FN 556789h, received MiCAR authorisation on 27 November 2025 for custody, exchange of crypto-assets for funds and transfers. The earlier January 2022 AML registration lapsed on that authorisation. The current description should therefore use the CASP authorisation rather than treating both statuses as simultaneous separate licences.[31]

The ESMA register retrieved during this review lists FIOR and those three services, with EEA cross-border jurisdictions and no end date. The permissions evidenced here do not include a general investment-advisory or discretionary portfolio-management permission; the language used for private-client assistance does not itself establish one.[32]

FIOR Digital GmbH is based in Salzburg, Austria, with commercial-register number 556789h. Its imprint identifies Daniel Winklhammer and Dominik Seibold as managing directors. 21bitcoin is the service name; 21private is its larger-ticket offering within this profile.[2]

The company timeline places FIOR’s formation in 2021 and the app launch in 2022. It records a €2.1 million investment by VR Bank Bayern Mitte in 2023. A 2026 Bitcoin-backed lending project with that bank and Sopra is described as a pilot; this does not establish a generally available retail borrowing facility.[1]

Operator

FIOR Digital GmbH

Exchange model

Centralised

Service scope

Bitcoin dealing, saving, custody and transfers; 21private for larger transactions.

Client types

Retail clients

Pricing publication

Public pricing

Other names

21private

Covered jurisdictions

Austria

Pricing scope

Order-specific commission; quoted price margin and withdrawal costs also matter.

Funding scope

EUR SEPA/SEPA Instant and Bitcoin transfers.

Custody and asset handling

FIOR custody until an external transfer completes.

Client eligibility

Verified adults in supported jurisdictions; interest restricted to eligible German and Austrian tax residents.

Support

App or website chat and a formal complaint route.

Authorisation and registration scope

Austrian FMA CASP authorisation granted 27 November 2025.

Exchange metadata checked 20 Oct 2026Source 1Source 4Source 31

The interest product displays a variable 1.21% annual rate on eligible euro balances. VR Bank Bayern Mitte supplies the interest, which can remain in euros or be converted to Bitcoin without a conversion service fee. Funds allocated to waiting purchases can qualify. Bitcoin holdings themselves do not earn this rate, and the page describes no crypto-lending or DeFi strategy behind it.[33]

Interest uses average daily euro balances and a monthly 30/360 calculation. For a hypothetical €12,000 average balance at an unchanged 1.21% annual rate, one month produces €12.10 gross. The help article contains an inconsistent example total; the amount here is independently calculated. It is not a promise about future rates or the Bitcoin received.[34]

The service guide describes German withholding of 26.375% before payment, without church tax. Applied to the illustrative €12.10 gross amount, this gives €8.91 after rounding, before personal tax credits or refunds. Its activation cut-off is 20:00 for same-day interest.[35]

The 1 October terms instead start interest at next-day midnight. Activation therefore does not establish immediate accrual.[3]

The referral programme reduces qualifying purchase commission by 0.2 percentage points. Referrers receive 21% of eligible referred-user fees for one year, subject to the €15 payout threshold, €450 calendar-year cap and a maximum of 12 referred users. The reward is based on fees, not 21% of the friend’s investment. A pending amount below the qualification threshold is not an immediately withdrawable cash balance.[37]

The automation examined consists of user-set purchase schedules, price triggers and onward transfers. Each has its own cancellation setting. The reviewed order and account documentation did not establish a public trading API permission matrix, copy-trading mandate or AI authority to choose investments. Cancelling a purchase schedule does not reverse Bitcoin already bought or transferred.[6]