Bitvavo fees for buyers across Europe

How Bitvavo charges you

When you buy on Bitvavo, your order is matched with orders from other users in its order book. You pay two things.

• A trading fee of at most 0.25%. It depends on the order type and your 30-day trading volume, not on which screen you use: the simple buy screen and Pro Mode, the advanced view with order book and charts, share one fee schedule.
• The spread in the order book. A market order buys from the cheapest sellers available at that moment. Bitvavo says this price difference "does not go to Bitvavo". It warns you when the spread is above 0.75% and blocks market orders when it is above 2%, so you can switch to a limit order.

On €100 bought with a market order, the fee is at most €0.25. The table above shows the total cost per coin, spread included, at the time of our last check.

The price guarantee costs extra

In the app you can choose a price guarantee order. Your price is then fixed for up to 5 seconds, and you trade against Inveniam B.V., a company in the Bitvavo group, which adds a markup to the mid-price. Bitvavo does not publish the size of that markup. Some smaller coins can only be traded this way. If the price guarantee is your default order type, your costs will differ from ours, because our comparison always uses a market order.

Depositing and withdrawing euros

A deposit by card, Apple Pay, PayPal or Bancontact does not verify a bank account. You can only withdraw euros once you have also used another deposit method, such as a SEPA transfer. Which methods you see depends on your country; SEPA works everywhere Bitvavo operates.

In our comparison, "euro balance" means the money is already in your account, so deposit costs are not included. The "card" option adds Bitvavo's 1% card fee.

Which countries Bitvavo serves

Bitvavo accepts people who live in the SEPA zone. Its help centre lists 24 supported countries, among them Germany, France, Italy, Spain, Poland, Portugal, Austria, Belgium, Ireland, Denmark, Finland, Norway and Sweden (checked 12 October 2026). Croatia, Cyprus, Greece, Iceland and Liechtenstein are not on that list, even though ESMA's register shows Bitvavo's licence covering all 30 EEA countries. Hungary is not listed either, but in August 2026 Bitvavo said new sign-ups from Hungary would reopen on 7 September 2026, after Hungary repealed a local rule that conflicted with MiCA.

The platform is available in Dutch, English, French, German, Italian and Spanish. Transfers to and from banks outside the Netherlands take about one working day longer than Dutch ones.

Licence and safety

Bitvavo B.V., launched in 2018, has held a MiCA licence from the AFM since 26 June 2025, covering custody, transfers and the operation of a trading platform according to ESMA's register. Bitvavo says customer crypto is held through Stichting Bitvavo Payments, a foundation separate from Bitvavo B.V., and that most of it is kept in cold storage with insured custodians. An independent accounting firm checks its reserves for selected assets every quarter. Compare its licence with the others in our overview of MiCA-licensed exchanges.

Who Bitvavo suits

Bitvavo publishes a clear maximum fee and adds no markup to a market order, so you know the fee on a purchase before you make it. The trade-offs: the price guarantee and some small coins carry an unpublished markup, card top-ups cost 1%, and a few EEA countries are missing from its country list. Whether it is the cheapest option for your coin and amount changes daily; see the live table above or compare all platforms for bitcoin, ethereum and more.