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It never changes what we write or the data we cite.Bitvavo is a Dutch crypto exchange most people outside Europe have never heard of, which is odd given it’s the largest exchange in Europe by euro-denominated spot volume. Founded in Amsterdam in 2018, it now serves more than 4 million users and, as of June 27, 2025, holds a full MiCA CASP license from the Netherlands’ AFM, one of the earlier approvals among major EU exchanges.TL;DRAmsterdam-based, MiCA-licensed since June 2025. 390+ coins, mostly EUR pairs. Maker/taker fees of 0.15%/0.25%, dropping to near-zero at high volume. Free SEPA and iDeal deposits. Best for EU users who want a straightforward, regulated, euro-native exchange rather than the broadest altcoin selection.Bitvavo Score CardCategoryScoreNotesFees4/50.15%/0.25% maker/taker, tiered down to near-zero at volume; free SEPA/iDealRegulation5/5MiCA CASP license (AFM, June 2025); registered with De Nederlandsche BankCoin Selection3.5/5390+ coins, almost entirely EUR-quoted; thinner than global exchangesFeatures3.5/5Staking/lending on 25+ assets (0.05%–15% APY); no derivativesSupport3.5/5Dutch/English support, email-based; no 24/7 live chatWhat Is Bitvavo?Bitvavo is a spot exchange built for European, mostly Dutch, retail users. It doesn’t try to be everything to everyone. There’s no leverage trading, no derivatives, no NFT marketplace. It’s a euro-first order book, a straightforward app, and a fee structure that rewards volume without punishing small traders.The MiCA license matters more here than on most exchange reviews. Bitvavo’s whole pitch is regulatory trust for EU users, and the AFM authorization backs that up with real requirements: segregated client funds, minimum capital, and a supervised complaints process.Bitvavo FeesActivityFeeNotesGet StartedSpot trading (maker)0.15%Drops toward 0.00% above €500M 30-day volumeTrade →Spot trading (taker)0.25%Drops toward 0.01% at the same volume tierTrade →SEPA / iDeal depositFreeThe fastest, cheapest way to fund an accountDeposit →Card / PayPal deposit~1%+Convenient but the most expensive funding methodDeposit →Staking / lendingVariable0.05%–15% APY across 25+ supported assetsEarn →Pros and Cons✅ Pros❌ ConsFull MiCA CASP license from the AFM since June 2025EU/EEA only, mostly built for Dutch and European usersFree SEPA and iDeal deposits, low card fees are the only real cost390+ coins is solid but thinner than Kraken, OKX, or KuCoinFees drop close to zero for high-volume tradersNo derivatives, futures, or margin tradingLargest EUR spot exchange in Europe by volumeNo 24/7 live chat, support runs on emailStaking and lending on 25+ assets built inBrand recognition is thin outside the NetherlandsOpen a Bitvavo Account, MiCA-Licensed →5 Frequently Asked QuestionsIs Bitvavo MiCA licensed?Yes. Bitvavo B.V. received full CASP authorization from the Netherlands’ AFM on June 27, 2025, covering custody, trading platform operation, and transfer services across the EU and EEA.Is Bitvavo available outside Europe?No. Bitvavo is built for EU/EEA residents and isn’t available to US, UK, or most non-European users. If you’re outside Europe, look at Kraken or Coinbase instead.How do Bitvavo’s fees compare to Kraken or Bitstamp?Bitvavo’s 0.15%/0.25% maker/taker fees sit close to Bitstamp and slightly above Kraken Pro’s 0.16% top tier, but Bitvavo’s free SEPA and iDeal deposits offset that for most European users funding in euros.Does Bitvavo offer staking?Yes, on more than 25 supported proof-of-stake assets, with advertised yields ranging from roughly 0.05% to 15% depending on the asset and lock-up terms.Is my money safe on Bitvavo?Bitvavo keeps the large majority of assets in cold storage and, as a MiCA-licensed CASP, has to legally segregate client funds from its own operating funds. No exchange is risk-free, but the license adds a real regulatory floor that unlicensed platforms don’t have.Bottom Line: Bitvavo is a solid, MiCA-licensed default for EU users who want a euro-native exchange without derivatives clutter or a bloated altcoin list. It won’t beat Kraken or OKX on coin count, but the low fees on euro funding and the regulatory backing make it one of the safer bets in Europe post-MiCA.Related ReadingTop 10 MiCA-Licensed Crypto Exchanges (see where Bitvavo ranks among licensed EU exchanges)Kraken Review (the widest MiCA passporting coverage)Bitstamp Review (another Luxembourg-licensed alternative)Best Crypto Exchanges (our full ranking).lwrp.link-whisper-related-posts{ margin-top: 40px;margin-bottom: 30px; } .lwrp .lwrp-title{ }.lwrp .lwrp-description{ } .lwrp .lwrp-list-container{ } .lwrp .lwrp-list-multi-container{ display: flex; } .lwrp .lwrp-list-double{ width: 48%; } .lwrp .lwrp-list-triple{ width: 32%; } .lwrp .lwrp-list-row-container{ display: flex; justify-content: space-between; } .lwrp .lwrp-list-row-container .lwrp-list-item{ width: calc(25% - 20px); } .lwrp .lwrp-list-item:not(.lwrp-no-posts-message-item){ } .lwrp .lwrp-list-item img{ max-width: 100%; height: auto; object-fit: cover; aspect-ratio: 1 / 1; } .lwrp .lwrp-list-item.lwrp-empty-list-item{ background: initial !important; } .lwrp .lwrp-list-item .lwrp-list-link .lwrp-list-link-title-text, .lwrp .lwrp-list-item .lwrp-list-no-posts-message{ }@media screen and (max-width: 480px) { .lwrp.link-whisper-related-posts{ } .lwrp .lwrp-title{ }.lwrp .lwrp-description{ } .lwrp .lwrp-list-multi-container{ flex-direction: column; } .lwrp .lwrp-list-multi-container ul.lwrp-list{ margin-top: 0px; margin-bottom: 0px; padding-top: 0px; padding-bottom: 0px; } .lwrp .lwrp-list-double, .lwrp .lwrp-list-triple{ width: 100%; } .lwrp .lwrp-list-row-container{ justify-content: initial; flex-direction: column; } .lwrp .lwrp-list-row-container .lwrp-list-item{ width: 100%; } .lwrp .lwrp-list-item:not(.lwrp-no-posts-message-item){ } .lwrp .lwrp-list-item .lwrp-list-link .lwrp-list-link-title-text, .lwrp .lwrp-list-item .lwrp-list-no-posts-message{ }; } Related Posts $8 Million Loss from the Synapse Protocol HackBitcoin On-Chain Analysis 28th Jan to 4th Feb 2022The Swiss Regulator has Permitted Dukascopy to Provide Crypto Custody ServicesCan You Use KuCoin In The US and How? 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