Buy Bitcoin, Bitcoin exchange rate at bitcoin.de!

Criteria for classifying customers with regard to the "Trust Level" ("Trust Level Criteria")

Conditions for achieving the trust level

	Bronze	Silver	Gold	Platinum
2-factor authentication mandatory
Number of relevant reviews¹	< 5	from 5	from 25	from 100
Percentage of positive ratings²	< 80%	from 80%	from 90%	from 95%
Sales volume of all trades³	< €5,000.00	from €5,000.00	from €25,000.00	from €100,000.00

¹ For the calculation of the "number of relevant ratings", all ratings are considered for express trading, but only one rating per market participant is considered for trading with SEPA settlement. If you receive several ratings from one market participant in the process of trading with SEPA settlement, only the most recent rating will be considered. The "share of positive ratings" relates the positive ratings with the negative ratings - and therefore does not take the neutral ratings into account.

² The "sales volume of all trades" refers to all successfully completed purchases and sales by a user.

³ In the case of "Proportion of positive ratings", the positive ratings are set in relation to the negative ratings; neutral ratings are not taken into account in this respect.

The recalculation of a trust level and especially the promotion to a higher trust level can take up to 2 business days.

Consequences of the respective trust level

	Bronze	Silver	Gold	Platinum
max. payouts per day	€5,000.00	€10,000.00	€75,000.00	€150,000.00
max. quantity per purchase	€2,000.00	€10,000.00	€50,000.00	unlimited
max. quantity per offer	€2,000.00	€25,000.00	€100,000.00	unlimited

Consequences of the respective trust level for the futurum marketplace

	Bronze	Silver	Gold	Platinum
max. quantity per purchase	€50,000.00	€100,000.00	unlimited	unlimited
max. quantity per offer	€50,000.00	€100,000.00	unlimited	unlimited

Consequences of the respective trust level for the C2C marketplace

	Bronze	Silver	Gold	Platinum
max. quantity per purchase	€25,000.00	€50,000.00	unlimited	unlimited
max. quantity per offer	€25,000.00	€50,000.00	unlimited	unlimited

The futurum bank AG reserves the right to limit the number of coins per payout process. The limitation is shown on the payout page.

In individual cases, users with trust level platinum may contact the support to request a higher disbursement amount. The designated limitation regarding the maximum volume per individual disbursement remains in effect.

The limits displayed here are referring to all traded or deposited coins. The limit for the disbursement is applied to the cumulative EUR volume of all cryptocurrencies.

Price and service list of futurum bank AG

Marketplace fee

Marketplace fee charged by futurum bank AG (Section 17 of the General Terms and Conditions of futurum bank AG):

0.8 % if the trade is processed via the express trading system
1.0 % if the trade is processed via SEPA-transfer
0.6 % if the trade is processed via crypto-to-crypto trading (C2C marketplace)
If a trade is executed via the trading API, there is a kickback to the trading API user of up to 25% on the marketplace fee (see Information on the Trading-API)
The marketplace fee is shared by buyers and sellers (see FAQ). Collection takes place in accordance with Section 17 of the General Terms and Conditions of futurum bank AG.

Fee charged by FIDOR (Section 5 of FIDOR's General Terms and Conditions for express trading on the bitcoin.de platform):

Buyer's fee for "buy now" as part of express trading: 0.1% of the purchase price
Seller fee for "sale now" as part of express trading: 0.1% of the purchase price
The buyer's fee is charged to the buyer and the seller's fee is charged to the seller. The fees are collected directly from the buyer's or seller's account maintained at FIDOR.

Prices for transactions on the futurum marketplace

The price is based on the current prices that are regularly determined on the P2P marketplace, plus a surcharge. The surcharges can vary depending on the denomination.

Fee charged by FIDOR (Section 5 of FIDOR's General Terms and Conditions for Express Trading on the bitcoin.de platform) – see "Marketplace fee" above.

Withdrawal fee

The fee that is charged to a customer for a withdrawal (Section 18 Paragraph 1 of the General Terms and Conditions of futurum bank AG) is determined based on the current fees charged by the respective crypto asset network. Since the fees of the respective crypto asset network change regularly, the withdrawal fee for the customer is also adjusted regularly. The fee charged can be found on the website "Current disbursement fee".

Online wallet fee

Currently free

Handling fee

Transfer of Ethereum (ETH) deposits to discontinued ETH deposit addresses: €9.95 in the form of ETH (calculated at the current rate).

Transfer of Ripple (XRP) deposits from discontinued XRP deposit addresses: €9.95 in the form of XRP (calculated at the current rate).

List of deadlines and value limits that must be adhered to ensure rapid crypto asset trading ("List of Deadlines and Value Limits")

Offers for sale

Payment is executed and confirmed by the buyer:
- for SEPA transactions (except SEPA instant payments): 60 minutes
- for SEPA instant payments: 30 minutes
Confirmation of receipt of payment by the seller:
- for SEPA transactions (except SEPA instant payments): incoming 36 hours
- for SEPA instant payments: incoming 18 hours
Submission of proof of payment in digital form by the buyer (upon request by futurum bank AG): 18 hours
Disputing receipt of payment by the seller (upon request from futurum bank AG): 36 hours
Sending by the buyer a written confirmation from his bank, signed by the buyer, that the transfer has been carried out, by post to futurum bank AG (the date of the postmark is decisive): 5 bank working days
Seller's Rating by Buyer: 2 weeks after completion of trade
Minimum quantity for placing a sales offer on the P2P marketplace: €60.00¹
Default duration for posting a sales offer on the P2P marketplace: 35 days
(The sales offer can be canceled manually early if it has not yet been accepted by a seller.)
Minimum duration for posting a sales offer on the P2P marketplace: 2 days
(The sales offer can be canceled manually early if it has not yet been accepted by a buyer.)
Maximum total transaction volume²: €0.00
Maximum individual transaction volume²: €1,000.00
Maximum amount for SEPA real-time transfers: €100,000.00

¹ The futurum bank AG uses a historical price value of the crypto assets to calculate the euro values. This value is based on purchases and sales on the P2P marketplace completed in the last few hours (maximum 48 hours). futurum bank updates the values regularly.

² Only applies to customers who have not yet gone through the authentication process in accordance with Section 11 of the General Terms and Conditions.

Purchase requests

Making payment and confirmation of payment by the buyer: 18 hours
Confirmation of receipt of payment by the seller:
- for SEPA transactions (except SEPA instant payments): 36 hours
- for SEPA instant payments: 18 hours
Submission of proof of payment in digital form (upon request by futurum bank AG): 18 hours
Disputing receipt of payment by the seller (after request by futurum bank AG): 36 hours
Sending by the buyer a written confirmation from his bank, signed by the buyer, that the transfer has been carried out, by post to futurum bank AG (the date of the postmark is decisive): 5 bank working days
Seller's Rating by Buyer: 2 weeks after completion of trade
Minimum quantity for placing a purchase request on the P2P marketplace: €60.00¹
Default duration for setting a purchase request on the P2P marketplace: 35 days
(The purchase request can be canceled manually early if it has not yet been accepted by a seller.)
Minimum duration for placing a purchase request on the P2P marketplace: 2 days
(The purchase request can be canceled manually early if it has not yet been accepted by a buyer.)
Maximum total transaction volume²: €0.00
Maximum individual transaction volume²: €1,000.00
Maximum amount for SEPA real-time transfers: €100,000.00