Bitvavo

Dutch crypto exchange for the SEPA zone

Exchanges

#10 Overall

Ranked #10 of 17 exchanges in the published ranking

63 out of 100

ChainChoice Score

The ChainChoice Score, shown against 100: published scores run from 41 to 99.

High evidence confidence
$30 your cost/yr

Is Bitvavo right for you?

Right for you if these matter most

Withdrawal track record9/10, the category best
Licence coverage9/10, the category best

Look elsewhere if these come first

Trading cost7/10 here; the category best is 9
Asset protection6/10 here; Bit2Me scores 7

Not yet tested for your country. Markets it lists: Europe.

to test where you can use it.

The rank above is the published one, the same for every reader. Find my best crypto exchange shows where it lands for you.

What will Bitvavo cost you?

$30 your cost/yr

How do you buy?: Trading
Your monthly volume: $1k
How you buy: Pro interface
Pro taker fee: 0.25%

$15 below the median of 16 priced exchanges.

How this is calculated

How safe is Bitvavo?

Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read August 2026.
Incidents1 dated incident on the verified record; the latest, partner failure, December 2022.
LicenceMiCA (EU): authorised by AFM (Netherlands) since 26 June 2025. Passported: All 27 EU member states + EEA. The register record
On the registersMiCA: authorised, Bitvavo B.V. (NL, since 2025-06-26). Read 3 November 2026. Open the register

Open the evidence

Alternatives to Bitvavo

Compare all 4

8Bit2Me1 point above · stronger on asset protection (7 against 6)64 out of 100$72
9Gate EU1 point above · stronger on asset protection (7 against 6)64 out of 100$12
11Kraken4 points below · stronger on asset protection (7 against 6)59 out of 100$96

View all 17 ranked exchanges

Provider at a glance

Category: Exchanges
Headquarters: Amsterdam, Netherlands
Bitvavo B.V.. EEA (Bitvavo B.V.)
Founded: 2018
The year founded
Supported assets: over 400
over 400 digital assets. EEA (bitvavo.com/en). The same page links "View all 454 assets", the listing's live count on the read date.
Monthly volume (reported): ~$9.1B
2026-09-23 to 2026-10-22. Reported, not verified: CoinGecko's public API (no key) /exchanges/{id}/volume_chart?days=30 returns 30 daily points, each the 24-hour spot volume in BTC CoinGecko reports for that venue at 00:00 UTC. volumeBtc is their sum; volumeUsd multiplies each day's BTC volume by CoinGecko's BTC/USD price at the same timestamp (/coins/bitcoin/market_chart?vs_currency=usd&days=30&interval=daily) and sums. CoinGecko's figure covers the markets it tracks for the venue and is not the venue's own number. Published in US dollars; with your country set it is shown in your currency at the ECB reference rate.
(30-day, CoinGecko)
Official website: bitvavo.com

Independent rankingchecked 3 November 2026How it works

Details

Scored 63 out of 100 under methodology 2026.10.18, from the evidence read in August 2026.

For your setup

Find out if Bitvavo fits you

The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Bitvavo lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.

A few questions
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Ranking-blind: no commercial input
Personalised in under 60 seconds

Find my best crypto exchangeNothing is inferred from clicks, popularity or commercial value.

Why this rank

Why Bitvavo ranks #10

Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (25.2 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 2 of 4.

4 published criteria · Σ weight 100

CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence

7+6.727.09#7/17Loading evidence…

9+8.067.09#1/17Loading evidence…

9+6.918.09#1/17Loading evidence…

6+3.467.08#12/17Loading evidence…

Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero

Margin−1behind Gate EU, #9

RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 61–65 and ranks #8–#10

Evidence4 of 4 scored4 quoted, 4 with a source link

What would move the rank

Each line is the ranking run again with one of Bitvavo’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.

What will I actually pay here at my volume — including the spread they don't print? 7 → 8 on its ladder · passes Gate EU+165#10 → #8

When this venue broke, did people get their money out — and how would I know? 9 → 10 on its ladder · passes Gate EU+165#10 → #8

Whose licence actually covers me in my country — and can I find it on the register? 9 → 10 on its ladder · passes Gate EU+164#10 → #8

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms? 6 → 7 on its ladder · passes Gate EU+164#10 → #8

What will I actually pay here at my volume — including the spread they don't print? 7 → 5 on its ladder · Kraken passes it−259#10 → #12

When this venue broke, did people get their money out — and how would I know? 9 → 6 on its ladder · Kraken passes it−358#10 → #13

Whose licence actually covers me in my country — and can I find it on the register? 9 → 6 on its ladder · Kraken passes it−358#10 → #13

Smallest climb: “What will I actually pay here at my volume — including the spread they don't print?” 7 → 8 passes Gate EU, #9.

Strengths

Where it leads

2 from the score data

Best for readers who weight

When this venue broke, did people get their money out — and how would I know? — 9/10, the category best
Whose licence actually covers me in my country — and can I find it on the register? — 9/10, the category best

Tradeoffs

Where it trails

2 from the score data

Not for readers who put first

What will I actually pay here at my volume — including the spread they don't print? — 7/10 against a category best of 9/10
If this exchange fails — or freezes me — are the coins legally mine, and on whose terms? — 6/10 against a category best of 8/10

Record watch-outs

The guaranteed-price buy flow — the interface the venue itself promotes for beginners as protection from slippage — carries a market-maker mark-up over mid-price that Bitvavo nowhere quantifies, and the counterparty on those trades is its own affiliate Inveniam B.V.; the buyer who never opens the order book will pay a spread with no published number on every trade, despite a pricing-policy sentence claiming 'No hidden costs or spreads beyond those published'.

Competitive position

Where Bitvavo leads and where it trails

Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.

Availability#10 / 176.0 of 20 · best 14.0

Published criteria#3 / 1718.9 of 30 · best 20.1

Friction#1 / 172.7 of 10 · constant here

Trust record#1 / 173.2 of 8 · constant here

Measured data#6 / 1710.1 of 18 · best 13.8

Where Bitvavo leads

When this venue broke, did people get their money out — and how would I know?#1 / 17
Whose licence actually covers me in my country — and can I find it on the register?#1 / 17

Where it trails

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms?#12 / 17

Closest alternatives

The 3 nearest rows by score

Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.

Browse all 17

Gate EU#9 of 17 · score 64 · 1.0 point ahead

Bitvavo leads on

When this venue broke, did people get their money out — and how would I know?9 vs 5
Whose licence actually covers me in my country — and can I find it on the register?9 vs 8

Gate EU leads on

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms?7 vs 6

Largest single reason Gate EU is ahead: measured data (+8.1 display points).Scenario cost: Gate EU is −$18 against Bitvavo.

Compare View verdict for Gate EU

Bit2Me#8 of 17 · score 64 · 1.0 point ahead

Bitvavo leads on

When this venue broke, did people get their money out — and how would I know?9 vs 6
Whose licence actually covers me in my country — and can I find it on the register?9 vs 7

Bit2Me leads on

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms?7 vs 6

Largest single reason Bit2Me is ahead: availability (+15.6 display points).Scenario cost: Bit2Me is +$42 against Bitvavo.

Compare View verdict for Bit2Me

Kraken#11 of 17 · score 59 · 4.0 points behind

Bitvavo leads on

When this venue broke, did people get their money out — and how would I know?9 vs 8
Whose licence actually covers me in my country — and can I find it on the register?9 vs 8

Kraken leads on

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms?7 vs 6

Largest single reason Bitvavo is ahead: measured data (+17.2 display points).Scenario cost: Kraken is +$66 against Bitvavo.

Compare View verdict for Kraken

Against the leader

Why Bybit ranks above Bitvavo

81 vs 63 · gap 18.0

The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 18.0 to within rounding. Bitvavo is ahead on published criteria (+5.7 in its favour).

DimensionThisBybitGap share

Availability · 23% weight6.012.0−15.6, worse

Published criteria · 35% weight18.916.7+5.7, better

Friction · 12% weight · constant here2.72.7same

Trust record · 9% weight · constant here3.23.2same

Measured data · 21% weight10.113.2−8.1, worse

Published criterionThisBybitPoints

Whose licence actually covers me in my country — and can I find it on the register? · w2496+2.30, better

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms? · w1865+0.58, better

Net6381−18.0

Compare with #1 Bybit View verdict for Bybit

Your scenario

What Bitvavo costs on your scenario

The fee you actually pay on your volume for a year — the instant-buy spread, or the pro taker fee if you use that interface. A venue showing no instant-buy figure does not publish one; that is the finding, not a gap in our data. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.

your cost/yr · default scenario — set your own

Your monthly volumeHow you buy

How do you buy?

$1k a month × 12 months × 0.25% pro taker fee = $30 / year

How do you buy? · your inputTrading

Your monthly volume · your input$1k

How you buy · your inputPro interface

Pro taker fee · published rate0.25%

Rate read from the provider’s published pricing ↗ on 18 August 2026.

your cost/yr

$30

Under the default inputs · USD

Category median$4516 of 17 rows priced · Bitvavo −$15 vs median

Cheapest priced$6.00 · UpbitBitvavo costs +$24 more · availability not applied — set your country to filterCompare with Upbit

Cost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.

1 of 17 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.

Evidence

Evidence read 18 August 2026

One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.

4 of 4 cells scored

Score evidenceVerified4 of 4 criteria reconstruct from receipts

4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.

Public receiptsReading…4 quoted with a source URL

The receipt file has not been read yet.

Evidence confidenceHighcoverage and corroboration, never freshness

4/4 criteria scored, with 4 dated sources quoted.

RobustnessOne point from changingrank #8 to #10 across one-point re-runs

Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.

The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 18 August 2026.

Reading the evidence ledger…

CriterionSourceTypeReadFreshnessStatusReceipt

What will I actually pay here at my volume — including the spread they don't print?strength 7 · weight 30Report an errorno source page—18 August 2026*

Unknown

No reading date is recorded for this cell or its category.

No receipt

A strength is published but no quote or source page is on file for it.

When this venue broke, did people get their money out — and how would I know?strength 9 · weight 28Report an errorno source page—18 August 2026*

Unknown

No reading date is recorded for this cell or its category.

No receipt

A strength is published but no quote or source page is on file for it.

Whose licence actually covers me in my country — and can I find it on the register?strength 9 · weight 24Report an errorno source page—18 August 2026*

Unknown

No reading date is recorded for this cell or its category.

No receipt

A strength is published but no quote or source page is on file for it.

If this exchange fails — or freezes me — are the coins legally mine, and on whose terms?strength 6 · weight 18Report an errorno source page—18 August 2026*

Unknown

No reading date is recorded for this cell or its category.

No receipt

A strength is published but no quote or source page is on file for it.

* category-wide reading date; the cell carries none of its own.Report an error from any row. Reviewed within 7 days.

How you can lose money here, and what the ranking scores

Custody failure (Bitvavo 9/10): whoever holds the assets loses or withholds them.
Scored by When this venue broke, did people get their money out — and how would I know? · 28%
Insolvency failure (Bitvavo 6/10): the firm or issuer that owes you cannot pay.
Scored by If this exchange fails — or freezes me — are the coins legally mine, and on whose terms? · 18%
Regulatory failure (Bitvavo 9/10): no licence where you are, or a forced market exit.
Scored by Whose licence actually covers me in my country — and can I find it on the register? · 24%

Not assessed by this ranking: Control failure, Liveness failure, Execution failure, Exit failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: What will I actually pay here at my volume — including the spread they don't print? (30%).

Facts

What the record publishes

facts, not scores

Pricing: Bitvavo fees, read 29 September 2026. The fee schedule itself (https://bitvavo.com/en/fees) answered every fetch path today with a Cloudflare challenge (HTTP 403 to curl, to a rendering browser and to a reader proxy), so its tier table is not restated here. From Bitvavo's help article "What is the trading fee when I buy or sell crypto?" (https://support.bitvavo.com/hc/en-us/articles/4405175148689, "Updated September 23, 2026"): fees depend on "Your 30-day trading volume tier."; for orders that do not fill immediately "we reserve the maximum fee of 0.25%"; the page's own worked example: "€1000 x 0.25% = €2.50 fee." and "You will receive €997.50 after the fee is deducted."; and "Trading pairs involving USDC (USD Coin) typically have lower fees than Euro-based pairs." Crypto withdrawal fees are published per asset in Bitvavo's public API (https://api.bitvavo.com/v2/assets): Bitcoin "withdrawalFee":"0.000018", Ethereum "withdrawalFee":"0.0003". Euro withdrawal (https://support.bitvavo.com/hc/en-us/articles/4405188690065): "It also confirms that there are no fees for withdrawing euros." Price Guarantee orders (https://support.bitvavo.com/hc/en-us/articles/25974760217873): "the market maker adds a spread to account for any unforeseen price fluctuations during this period", with no number published for that mark-up.Bitvavo — official pricing page ↗ · 18 August 2026
Prices published in: USDBitvavo — official pricing page ↗ · 18 August 2026
Licences held: Not published
Compliance level: partial
Regulatory note: The serious-incident branch of the rubric is met almost verbatim. December 2022: customer-lending float caught in the Genesis/DCG collapse (EUR 280M per contemporaneous reporting; the figure appears on no live primary page — Bitvavo's original Dec-2022 statement URL, blog.bitvavo.com/reactie-bitvavo-fd-publicatie-23-december/, now redirects to a Dutch news index, verified 18 August 2026).
Supported chains: Not published
Markets served: europe
Primary markets: Not published
Restricted markets: Not published
Operating limits: Not published
Availability note: A genuine market restriction, not OFAC boilerplate: "Bitvavo operates within the SEPA zone (Single Euro Payments Area)." and "Note: You must reside in one of the supported countries to create an account with Bitvavo." followed by an explicit 24-country list (Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden), plus 13 additional regions (Guadeloupe, French Guiana, Martinique, Mayotte, Réunion, Canary Islands, Azores, Madeira, Curaçao, Sint Maarten, Bonaire, Sint Eustatius, Aruba) where "you can create a Bitvavo account. However, to complete identity verification and use all payment methods, you must provide a valid ID or IBAN from one of the fully supported SEPA countries listed above." (https://support.bitvavo.com/hc/en-us/articles/4405238046993, "Updated September 21, 2026", read 29 September 2026). The AFM register row passports "Outgoing to" 29 EEA states, a strict superset of the served footprint. No US, UK or rest-of-world service exists or is implied.

No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.

Failure record

Incident timeline

Dated events at Bitvavo that a verified research record holds, newest first: the record’s own words, the date it gives, the source, and what ChainChoice’s read did where the record links the two.

Reading the incident record for Bitvavo.

When an event that meets the extraordinary-review rule is found, the placement is re-read within 72 hours and carries a label until then. The timeline itself never moves a score. How reviews work

If something goes wrong with Bitvavo: where to complain, and where to report a scam

Loading the routes for your country.

Reviewed 18 August 2026

Re-read in progress

Overdue; re-read by 10 November 2026.

Methodology v2026.10.18

How this page is reviewed

Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

How we review · Review calendar · Corrections log · How we make money

History

What the record carries

Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.

17 methodology entries

18 August 2026Current verified snapshot · methodology 2026.10.18Score 63, #10 of 17. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
28 October 2026
2026.10.16
Two EEA exchanges join the ranking: Bit2Me and Gate EU; KuCoin EU is refused while suspended
- added Exchanges: Bit2Me enters at #8 (65) and Gate EU at #9 (64), each scored on the four published criteria from its own terms, fee pages and proof-of-reserves page. Bybit stays #1 (81).
- changed Exchanges: no criterion score of a venue already ranked changed. The measured-data term places each venue's published taker fee against the pool's, and with 16 venues it moves these rows: Bitstamp #2 81 → #2 80; Upbit #3 77 → #3 76; Luno #6 69 → #6 70; Bitvavo #8 64 → #10 63; Kraken #9 60 → #11 60; VALR #10 60 → #12 59; Gemini #11 48 → #13 48; CoinDCX #12 47 → #14 46; Mercado Bitcoin #13 43 → #15 41; Bitso #14 41 → #16 41. In Find my best, a reader who answers that serious licences in major markets are enough, or that access comes first, now gets Bybit ahead of Bitstamp: the two had tied at 81, and Bitstamp now scores 80.
- added Exchanges, country pages: Bit2Me is newly listed in Australia, Austria, Belgium, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, Switzerland, Thailand and the United Arab Emirates; Gate EU is newly listed in Austria, Belgium, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Spain and Sweden. Bitstamp still leads the EEA and Norway pages and Bybit the other four. In the reader's-country order of each EEA country that has one, Bit2Me and Gate EU enter right after Coinbase.
- changed Exchanges: Gate's refusal now names its global platform only, re-read on 28 October 2026. KuCoin EU is refused as not live: its site's banner reads "KuCoin EU trading and deposit services were suspended at 14:30 (UTC+1) on February 4, 2026.", and its announcement of 20 February 2026 says a temporary restriction on new business activities remains in place after a notice from Austria's FMA. KuCoin's global refusal is re-dated. WhiteBIT's refusal is re-dated with the same day's read of whitebit.eu, which takes waitlist sign-ups only.
28 October 2026
2026.10.14
An exchange's fee is scored at the rate the entity serving the reader's country charges
- changed Exchanges and onramps: the fee term of the score reads the rate of the entity that serves the reader's country (taker fee, spread); with no country, the record's base rate. Replaces 2026.10.13's dearest rate.
- added A country whose rates differ from the base records has its own order, the questionnaire run for that country: /best with the country set, Find my best, compare and the country landing print it. 22 questionnaire countries (the EEA ones and the United States) have one for exchanges.
- added A row whose serving entity's rate was not read carries "regional rate not read" (Coinbase for EEA, UK and US readers: its retail fee table is behind sign-in; Kraken and Bybit for UK readers; OKX outside the EEA and the US, whose global page could not be loaded).
- changed OKX: the 0.20% / 0.10% spot-only rate is the EEA entity's and applies to EEA readers only; OKX has no base rate, so its published fee term is neutral.
28 October 2026
2026.10.13
A venue that charges by entity is priced for each reader by the entity that serves them, and scored on its dearest entity's rate
- changed Exchanges and onramps: the fee term of the score reads the dearest entry rate a venue publishes for any of its entities (taker fee, spread), not the rate of one entity.
- added Pricing records carry regional entries (entity, verbatim quote, source, read date); every cost a reader sees, on the list, the provider page and the country page, is computed on the entry for their country.
- changed Exchange scores this rule gave, before and after; 2026.10.14 replaced it in the same release, so they were never the published order: Bitstamp 79 to 81 (#3 to #1), Bybit 81 to 78 (#1 to #2), Upbit 76 to 78 (#4 to #3), Binance 75 to 76 (#5 to #4), OKX 80 to 73 (#2 to #5), Coinbase 69 to 71, Luno 69 to 70, Bitvavo 62 to 69, VALR 58 to 62 (#10 to #9), Kraken 60 to 62 (#9 to #10), CoinDCX 45 to 51 (#12 to #11), Gemini 48 to 49 (#11 to #12), Mercado Bitcoin 42 to 44. Bitso is unchanged at 41 (#14).
- added On every build three checks fail: a price without the currency it is billed in, a regional entry its quote does not bear out or a venue with a separate EEA entity and no EEA rate, and a provider that no longer operates still carrying a price.

Full methodology changelog

Methodology 2026.10.18, the same published run every visitor sees · receipt exchange:bitvavo:2026.10.18:abe31da23876

How this verdict was produced

Are you Bitvavo? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.

Show this rank on your site

Editorial review of Bitvavo , on file since April 2026 — the review is separate from the score.