Crypto.com vs Finst: fees, regulation and bonus compared
Crypto.com and Finst both operate in the EU, but they target a different kind of user. The facts sit side by side below — licence, founding, size and what's on offer right now — so you can choose for yourself instead of us choosing for you.
 Crypto.com |  Finst | |
|---|---|---|
| Licence | MiCA — MFSA (Malta) | MiCA — AFM (no. 41000015, July 2025) |
| Founded | 2016 | 2022 |
| Headquarters | Singapore · EU hub: Malta | Amsterdam (NL) |
| Size | 100M+ users worldwide | 400+ coins · 100K+ users |
| Current offer | No live offer | € 20 in Bitcoin when you sign up |
| Code | Not needed | Not needed |
What Crypto.com stands for
- Visa card with cashback across Europe
- Hundreds of coins, app + Exchange
- MiCA/CASP via MFSA (Malta)
What Finst stands for
- 0.15% flat fee, no hidden costs
- Free deposits & withdrawals via SEPA/iDEAL
- AFM-authorised + MiCAR
€ 20 in Bitcoin when you sign up
View FinstAffiliate links · Investing in crypto carries risk
Frequently asked questions about Crypto.com and Finst
Is Crypto.com or Finst cheaper?
It depends on the amount and on how you buy. A fixed percentage per trade is there in black and white; a price with a spread is not — it sits inside the rate you get and never appears as a separate line. So do the maths: on a €500 purchase, a difference of 0.10 percentage points is exactly 50 cents. Our fee calculator lets you enter an amount and put the rates of Crypto.com and Finst side by side.
Go to the fee calculator →Are Crypto.com and Finst both supervised in the EU?
Yes, both hold a MiCA authorisation: Crypto.com via MFSA, Finst via AFM. Supervision means requirements on capital, on safeguarding client assets and on handling complaints. It does not mean your money is guaranteed: crypto is not covered by any deposit guarantee scheme. And an authorisation only covers the services listed in it.
Do I need a code for Crypto.com or Finst?
Neither Crypto.com nor Finst needs a code. Look past the bonus itself, though: a one-off amount is soon overtaken by a rate charged on every single trade. What is running right now is in the table at the top of this page.
Can I open an account with both Crypto.com and Finst?
Yes. They are two separate accounts with two separate providers, so you can pick whichever is cheaper for each purchase. The price is two identity checks, two sets of records to pull together for your own admin, and a balance split across two parties. For small amounts that rarely outweighs the difference in fees.