BLOX review 2026: fees, AFM authorisation and who it suits

Updated on 12 November 2026: the costs now follow BLOX's pricing policy, which cites a mark-up of 0.5% to 1.0% in the price; the answer on sending crypto to your own wallet has been corrected, and the authorisation applies throughout the EEA, not in four countries.

BLOX charges 0.25% per transaction, plus a mark-up built into the price of, in principle, 0.5% to 1.0%, according to its own pricing policy. Since 30 September 2025, BLOX B.V. has been listed in the ESMA register of crypto-asset service providers with an authorisation from the Dutch regulator AFM. This article lines up the facts you need to decide whether the app suits you, and names the drawback most reviews skip.

What a purchase really costs

The fee is simple: 0.25% of the amount. On €100 that is €0.25. On top of that comes a mark-up in the price, which BLOX calls the price guarantee mark-up. According to BLOX's own pricing policy, it is "in principle between 50 and 100 basis points", so 0.5% to 1.0%; in exceptional market conditions BLOX may temporarily raise it to 2.5%. So count on 0.75% to 1.25% in total: if you buy for €100, BLOX says you receive between €98.75 and €99.25 in crypto.

For comparison: Finst charges 0.15% with "no added spread". On €100 the difference between the two is therefore €0.60 to €1.10 per purchase. Anyone who buys small amounts often will notice that over a year.

If you choose a Managed Account ("Beheerd Account") at BLOX, you also pay €1.00 a month in subscription fees and "1.00% per year on €10,000 in crypto" in custody and management fees. An Earn Account ("Verdien Account") does not have those costs, but then you lend your crypto to BLOX Earn.

What the authorisation covers

In the ESMA register (as of 21 August 2026), BLOX B.V. holds an authorisation from the Autoriteit Financiële Markten since 30 September 2025 for three services: custody and administration of crypto-assets, exchange of crypto-assets for funds, and transfer services. Through passporting, the authorisation applies throughout the EEA. The full list per provider is on our MiCA page.

One detail: in its own communication BLOX gave 1 October 2025 as the start date; the register says 30 September. The register is what counts.

Who BLOX suits

BLOX is built for people who want one thing: to buy a small amount, in a few taps, in Dutch, without an order book. If that is what you are after, that is exactly what you get. The flip side is that there are no limit orders and no negotiable fee tiers; it is an app for buying and holding, not for trading.

If you invest a fixed amount every month and want to keep costs to a minimum, a provider without spread is the better fit. If simplicity matters most, BLOX does the job. Our comparison puts the providers side by side on fees and authorisation.

Conditions to get started

At least 18 years old, with a valid ID document in your own name. Opening an account for a child is not possible, not even with parental consent; BLOX's help pages say so in as many words. What that means for teenagers is in Buying crypto under 18.

Offer via Cryptocode

All the facts about BLOX in one place, downsides included: BLOX review.

You can open an account through our BLOX page. Cryptocode receives a fee if you open an account through that link; it does not change what you pay. The terms and the date they were checked are on that page.

Frequently asked questions

Is BLOX trustworthy? BLOX B.V. has been in the ESMA register with an AFM authorisation since 30 September 2025 and is therefore under MiCA supervision. That says something about supervision and custody, not about the price of what you buy.

What does BLOX charge per transaction? 0.25% of the amount, plus a mark-up built into the price of, in principle, 0.5% to 1.0%.

Can I send crypto from BLOX to my own wallet? As a rule, no. According to BLOX's pricing policy, crypto may only be sent to an external wallet "in exceptional cases", and BLOX then charges administration and transaction fees. If you want to hold your crypto yourself, another provider is a better fit.

Is BLOX cheaper than Finst? No. Finst charges 0.15% with no spread, BLOX 0.25% plus a mark-up of 0.5% to 1.0% in the price.

Sources

• BLOX Support, "What are the transaction fees at BLOX", last checked 22 August 2026.
• BLOX Support, "How old do you have to be to create an account?" and "Can I open an account for my child?", last checked 3 September 2026.
• BLOX, "Prijsbeleid" (pricing policy, weareblox.com/nl-nl/prijsbeleid), read on 12 November 2026.
• Finst, "Fees", last checked 22 August 2026.
• ESMA register of authorised crypto-asset service providers, as of 21 August 2026.

Crypto is high-risk; you can lose your deposit. This is not financial advice.