DADAT Krypto

DADAT Krypto is the crypto-asset service offering of DADAT, an Austrian direct bank and online broker that operates as a brand of Schelhammer Capital Bank AG within the GRAWE banking group. Through DADAT Krypto, customers can trade roughly 50 cryptocurrencies using the DADAT Trading App and the DADAT web portal, alongside the bank's traditional securities, account and savings products. The service is positioned as an extension of DADAT's low-cost, innovation-driven brokerage model rather than as a standalone crypto exchange. DADAT itself traces its roots to pioneering Austrian direct-banking and online-brokerage work begun more than 30 years ago by Ernst Huber and his team under the motto "Innovationen statt Gebühren" (innovation instead of fees). The DADAT brand launched in March 2017 as a new player in the Austrian direct-bank and online-brokerage market, and it has since grown to tens of thousands of customers. It is owned within the GRAWE Group, the Grazer Wechselseitige Versicherung, one of Austria's largest insurance groups, which provides the bank with a stable mutual ownership structure. DADAT Krypto sits within a broader product range that includes giro accounts, securities depots, ETF and stock savings plans, and depot transfers. The bank markets itself on transparent pricing, broad product selection and service quality, and has repeatedly been recognised as Austria's best online broker and best direct bank in studies conducted by ÖGVS and trend. The crypto offering is presented with explicit risk warnings, noting that investing in crypto assets carries significant risk and can lead to total loss of capital. As a crypto-asset service provider in the European Union, DADAT Krypto operates in a regulated environment shaped by EU crypto-asset rules. Its integration into an established bank brand distinguishes it from pure crypto-native platforms: customers access crypto trading through the same app and portal they use for conventional securities, under the umbrella of a licensed Austrian bank.

DADAT's history is rooted in Austrian direct-banking and online-brokerage pioneering. More than 30 years ago, Ernst Huber and his team began working under the motto "Innovationen statt Gebühren" (innovation instead of fees), building early expertise in direct banking and especially online brokerage in Austria. Ernst Huber was a co-founder and served for around two decades as chairman of the board of the former direktanlage.at. The DADAT brand itself started in March 2017 as a new player in the Austrian direct-bank and online-brokerage market. It grew steadily, reaching roughly 55,000 customers by the end of a recent year, according to the bank's own account. DADAT operates as a brand of Schelhammer Capital Bank AG and is part of the GRAWE banking group, the banking arm of the Grazer Wechselseitige Versicherung (GRAWE), an Austrian insurance group founded in 1828 as a fire-damage insurer by Archduke Johann. GRAWE remains mutual in character, with a mutual association safeguarding the group's independence, and is described as one of Austria's largest insurance groups. Over time DADAT expanded its product range beyond classic direct banking. It offers giro accounts, securities depots, ETF and stock savings plans with more than 320 ETFs and stocks, depot transfers with assumption of external transfer fees up to €250 for new customers, and competitive interest offers. It has also built a business serving licensed securities firms and investment services companies that need an innovative, cost-effective settlement platform or custodian bank. A major recent extension is DADAT Krypto, the bank's crypto-asset trading service. Through the DADAT Trading App and the DADAT Portal, customers can trade around 50 crypto assets. The service is presented with prominent risk warnings that crypto investments carry substantial risk and can result in total loss. DADAT Krypto is described in public data as a crypto-asset service provider in the EU, placing it within the emerging European regulatory framework for crypto assets. DADAT has received repeated industry recognition. It was named best online broker in Austria for 2026 in a quality test by ÖGVS and trend, scoring top marks in three of four sub-categories and being the only rated broker to receive an overall grade of "very good." It was also named best direct bank for the fourth consecutive year in 2025 in a direct-bank study by ÖGVS and trend.

• Ernst Huber and his team begin pioneering direct-banking and online-brokerage work in Austria under the motto "Innovationen statt Gebühren".

• DADAT brand launches in March 2017 as a new player in the Austrian direct-bank and online-brokerage market.

• DADAT reaches roughly 55,000 customers by the end of a recent year.

• DADAT is named best direct bank for the fourth consecutive year in 2025 in an ÖGVS and trend study.

• DADAT is named best online broker in Austria for 2026 in an ÖGVS and trend quality test.

• DADAT Krypto launches, enabling trading of around 50 crypto assets via the DADAT Trading App and DADAT Portal.

Low-cost, innovation-driven Austrian direct bank and online broker extending its offering into regulated crypto-asset trading.

• DADAT Krypto crypto trading

  Trading of around 50 crypto assets via the DADAT Trading App and DADAT Portal.

• Giro account

  Everyday banking account offered with interest promotions such as 3.1% p.a.

• Securities depot

  Online brokerage depot with orders from €0 and no depot fee for new private customers from 2026.

• ETF and stock savings plans

  Savings plans covering more than 320 ETFs and stocks.

• Depot transfer

  Transfer service assuming external transfer fees up to €250 for new customers.

1. 1DADAT Direktbank - Girokonto, Wertpapierdepot, Online Bdad.at
2. 2Konzerndad.at
3. 3Rückrufdad.at
4. 4DADAT Bankdad.at
5. 5DADAT Kryptowikidata.org