Bitvavo
Bitvavo Group B.V. · NL · 8 countries served
Bitvavo B.V. is a Netherlands-based crypto exchange (since 2018) with the cheapest fees in the EU MiCA market — 0.10-0.25% taker. Dutch AFM MiCA CASP licence since 2025-06-27, covering 30 EEA countries. Direct competitor to Kraken with simpler UX.
NorriWire does not maintain an affiliate agreement with this platform.
Fees
| Spot maker | 0.25% |
| Spot taker | 0.25% |
| SEPA deposit | Free |
| Card deposit | 1.50% |
| SEPA withdrawal | Free |
| Crypto withdrawal (avg) | €5.00 |
Features
- ✓SEPA transfers
- −Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- ✓Proof of Reserves
- −Derivatives (futures/perp)
- ✓400+ crypto trading pairs
Supported fiat currencies: EUR
Pros
- ✓AFM MiCA CASP licence (2025-06-27) — full EEA passport
- ✓Lowest fees in MiCA market (0.10-0.25%)
- ✓SEPA Instant + iDEAL + cards
- ✓330+ coin selection
- ✓Proof of Reserves
- ✓Mobile app + Pro web
- ✓Modern UI
Cons
- ✗No LV/LT/EE language interface
- ✗Customer support primarily in EN/NL
- ✗No staking for all coins
- ✗No derivatives
- ✗Some advanced features only via API
- ✗Not a banking licence (only CASP)
Full review
Bitvavo — Europe's Largest EUR Spot CEX With MiCA
Bitvavo B.V. is a Netherlands-based crypto exchange founded in 2018 in Amsterdam. In June 2025, Bitvavo received a full MiCA CASP licence from the Dutch Autoriteit Financiële Markten (AFM), making it one of the first major spot exchanges in Europe to hold this status. The licence permits operation across all 30 EEA countries via the passport mechanism — including Latvia, Lithuania, Estonia, and all Nordic markets.
Unlike the majority of global CEXs, Bitvavo is a pure-spot platform with no derivatives or margin trading — a deliberate trade-off between regulatory compliance and product breadth that works in its favour within Norriwire's MiCA-ready brand positioning.
Where Bitvavo Stands Out
EUR-native platform. EUR is the only fiat currency, and all buying and selling takes place through EUR pairs. For Baltic and European EUR-zone users, this means zero currency conversion losses.
Impressive payment coverage. Bitvavo supports:
- SEPA transfers (free, instant)
- iDEAL (NL)
- Bancontact (BE)
- Apple Pay and Google Pay
- Cards (Visa/Mastercard)
MiCAR compliance. Bitvavo's licence framework covers:
- Custody and administration
- Operation of a trading platform
- Crypto-asset transfer services
Fees
Bitvavo uses a tier-based fee structure:
| Monthly volume | Maker | Taker |
|---|---|---|
| < €10k | 0.15% | 0.25% |
| €10k–€100k | 0.10% | 0.20% |
| €100k–€1M | 0.08% | 0.18% |
| > €1M | 0.04% | 0.13% |
Real cost of buying BTC via SEPA: 0.15–0.25% — among the lowest of any EU-regulated service (for comparison: Bitpanda 1.49%, Coinmotion 1.0%).
Who Bitvavo Suits
Beginners with a EUR focus: straightforward UI, mobile app, broad SEPA support. Ideal for a Latvian user making their first BTC purchase.
Cost-conscious long-term investors: low fees, regulatory credibility, MiCA passport.
Multi-asset alternative: 250+ cryptocurrencies, a wide crypto selection.