Sources: ESMA register and fee pages · October 2026
6 MiCA-authorised crypto platforms, compared honestly
6 MiCA-authorised crypto platforms compared — fees, features, regulation and ideal user in one overview.
All 6 platforms regulated in the EU · MiCA-compliant
Finst
DUTCH · AFM
Best for
NL & Beginners
0.15%
flat trading fee · no spread
400+
coins
Free
deposit & withdrawal
100K+
users
€20 in trading fees back with code FINST20
OKX
MALTA · MiCA
Best for
Active traders
0.20%
spot maker · 0.08% with an X-Perps account
Monthly
Proof of Reserves
0.02%/0.05%
futures maker/taker
MFSA
EU licence
Up to €400 in rewards, rising with your trading volume
Kraken Pro
SINCE 2011 · MiCA
Best for
Security & Pro
0.40% / 0.80%
maker/taker · drops with volume
600+
trading pairs
CBI
EU licence
2011
founded
10% of your trading fees back
Crypto.com
MALTA · APP + VISA CARD
Best for
App & card ecosystem
0.80%
per purchase in the app · card up to 4%
Visa
card + cashback
App+Pro
Exchange
Free
SEPA deposit
Bybit
AUSTRIA · MiCA
Best for
Spot & margin (EU)
0.25%
same for maker and taker · since 5 Oct 2026
Spot
+ margin & Earn
1:1
reserves backed
FMA
EU licence
10% cashback up to €120 plus 100% on subscriptions up to €50
eToro
STOCKS + CRYPTO
Best for
Everything in one account
1%
per buy/sell · plus FX on non-euro balance
100+
coins
Stocks
+ ETFs
CySEC
EU licence
5% in shares on what you transfer
Which platform suits you?
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Jump to recommendation Compare at a glance
The key differences between Finst, OKX, Kraken Pro, Crypto.com, Bybit and eToro side by side.
Finst0.15%
- Trading fees (spot)
- 0.15% flat
- Futures / derivatives
- —
- Number of cryptocurrencies
- 400+
- Fiat deposit (EUR)
- Free (SEPA)
- Withdrawal fees
- Free
- Staking / Earn
- ✓ flexible, up to 10%
- Security & protection
- ★★★★★ Proof of Reserves + AFM
- Regulation (NL/EU)
- AFM + MiCAR
- Best for
- Simple + safe NL
OKX0.20%
- Trading fees (spot)
- 0.20% / 0.35%
- Futures / derivatives
- 0.02% / 0.05%
- Number of cryptocurrencies
- Wide range
- Fiat deposit (EUR)
- Free + card 3–6%
- Withdrawal fees
- Network fee
- Staking / Earn
- ✓ extensive
- Security & protection
- ★★★★☆ zk-STARK + insured
- Regulation (NL/EU)
- MiCA Malta
- Best for
- Low fees + volume
Kraken Pro0.40% / 0.80%
- Trading fees (spot)
- 0.40% / 0.80%
- Futures / derivatives
- 0.02% / 0.05%
- Number of cryptocurrencies
- 600+ pairs
- Fiat deposit (EUR)
- SEPA / iDEAL
- Withdrawal fees
- Network fee
- Staking / Earn
- ✓ 25–30% commission
- Security & protection
- ★★★★★ MiCA + Proof of Reserves
- Regulation (NL/EU)
- MiCA CBI (Ireland)
- Best for
- Security + pro tools
Crypto.com0.80%
- Trading fees (spot)
- App 0.80% · card up to 4%
- Futures / derivatives
- —
- Number of cryptocurrencies
- Large selection
- Fiat deposit (EUR)
- Free (SEPA)
- Withdrawal fees
- Network fee
- Staking / Earn
- ✓ Earn (often CRO staking)
- Security & protection
- ★★★★☆ MiCA via MFSA
- Regulation (NL/EU)
- MiCA MFSA (Malta)
- Best for
- App + Visa card
Bybit0.25%
- Trading fees (spot)
- 0.25%
- Futures / derivatives
- —
- Number of cryptocurrencies
- Large selection
- Fiat deposit (EUR)
- Free (SEPA)
- Withdrawal fees
- Network fee
- Staking / Earn
- ✓ Earn & staking
- Security & protection
- ★★★★☆ MiCA via FMA
- Regulation (NL/EU)
- MiCA FMA (Austria)
- Best for
- Spot + margin in the EU
eToro1%
- Trading fees (spot)
- 1% per transaction
- Futures / derivatives
- —
- Number of cryptocurrencies
- 100+
- Fiat deposit (EUR)
- Free (SEPA)
- Withdrawal fees
- Network fee + 2% to wallet
- Staking / Earn
- ✓ limited
- Security & protection
- ★★★★☆ MiCA via CySEC
- Regulation (NL/EU)
- MiCA CySEC (Cyprus)
- Best for
- Stocks + crypto together
Fees and terms may change; always check the current information on the platform itself.
In-depth analysis
Pros and cons per platform, based on our own experience and research.
Pros of Finst
- Ultra-low flat fee of 0.15% — no spread, no hidden costs.
- Fully Dutch & regulated (AFM + MiCAR). First NL exchange with independent Proof of Reserves.
- Assets segregated 1:1 + held at Dutch banks (bunq/ING).
- Free deposits & withdrawals (crypto & fiat). No inactivity fees.
- Crypto Bundles, Auto-invest and flexible staking (no lock-up).
- Excellent human support (chat, email, phone).
Cons of Finst
- No advanced derivatives/futures with high leverage.
- Relatively new platform (2022/2023) — smaller liquidity on obscure altcoins.
- Less advanced charting and order types than Kraken Pro or OKX.
- 400+ coins is plenty, but Kraken offers more trading pairs (600+).
Unique
First Dutch exchange with full Proof of Reserves + AFM + MiCAR.
Perfect for:
Dutch beginners & long-term investors who prioritise security and simplicity.
Dutch beginners & long-term investors who prioritise security and simplicity.
Feature comparison
Finst
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- —
- Margin Trading
- —
- Staking / Earn
- flexible
- Crypto Bundles / Auto-invest
- strong
- Web3 Wallet / DeFi
- —
- Advanced charting & orders
- API & algorithmic trading
- basic
- Mobile app quality
- Fiat on/off-ramp (EUR)
- SEPA free
- Proof of Reserves
- first NL
OKX
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- up to 10x
- Margin Trading
- Staking / Earn
- Crypto Bundles / Auto-invest
- Web3 Wallet / DeFi
- excellent
- Advanced charting & orders
- API & algorithmic trading
- strong
- Mobile app quality
- Fiat on/off-ramp (EUR)
- Proof of Reserves
- zk-STARK
Kraken Pro
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- up to 50x+
- Margin Trading
- Staking / Earn
- Crypto Bundles / Auto-invest
- Web3 Wallet / DeFi
- —
- Advanced charting & orders
- best
- API & algorithmic trading
- excellent
- Mobile app quality
- Fiat on/off-ramp (EUR)
- SEPA + iDEAL
- Proof of Reserves
Crypto.com
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- —
- Margin Trading
- —
- Staking / Earn
- Earn (CRO)
- Crypto Bundles / Auto-invest
- DCA
- Web3 Wallet / DeFi
- —
- Advanced charting & orders
- Exchange
- API & algorithmic trading
- Exchange
- Mobile app quality
- Fiat on/off-ramp (EUR)
- SEPA free
- Proof of Reserves
Bybit
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- —
- Margin Trading
- Staking / Earn
- Earn
- Crypto Bundles / Auto-invest
- Web3 Wallet / DeFi
- —
- Advanced charting & orders
- API & algorithmic trading
- Mobile app quality
- Fiat on/off-ramp (EUR)
- Proof of Reserves
- —
eToro
- Spot Trading (EUR pairs)
- Futures & Perpetual Contracts
- —
- Margin Trading
- —
- Staking / Earn
- limited
- Crypto Bundles / Auto-invest
- Web3 Wallet / DeFi
- —
- Advanced charting & orders
- API & algorithmic trading
- —
- Mobile app quality
- Fiat on/off-ramp (EUR)
- Proof of Reserves
- Copy trading
Security & regulation
Finst
- • AFM authorisation (CASP 41000015) under MiCA
- • First NL Proof of Reserves (AuditNow)
- • Assets fully segregated (1:1)
- • Custody: SOC 2 Type II + MPC + Dutch banks
- • Very transparent & local trust
OKX
- • MiCA license via Malta (EEA passport)
- • Monthly zk-STARK Proof of Reserves
- • Cold storage + Insurance Fund
- • Strong in global compliance & security
- • Regular transparency reports and user protection
Kraken Pro
- • MiCA/CASP licence from the Central Bank of Ireland
- • EEA passport via Payward Europe Solutions (Ireland)
- • Active since 2011, with regular Proof of Reserves audits
- • Very strong compliance & transparency
- • One of the safest & most trusted platforms
Crypto.com
- • MiCA/CASP licence via MFSA (Malta)
- • EEA passport across the EU
- • Established global brand with a large user base
- • App and Exchange under one account
Bybit
- • CASP licence from Austria's FMA since May 2025, listed in the ESMA register.
- • Asset segregation and capital buffers as MiCA requires.
- • 2FA and withdrawal whitelisting as standard.
eToro
- • CASP licence from CySEC (Cyprus) since January 2025.
- • Also regulated as an investment firm — broader supervisory framework.
- • 2FA as standard; crypto held by the licensed entity.
Which platform suits you?
Answer three questions and get a personal recommendation.
Every comparison, head to head
Each pair on its own page: fees, regulation, coin selection and the bonus that applies right now.
This comparison was compiled independently. Some links are affiliate links; this does not influence our assessment. Not financial advice — always do your own research.