Best for Futures/Leverage Trading
- 447Available Crypto
- Payment Methods
- FeesLow
If you live anywhere in Europe and want to know which exchanges to consider for buying and trading crypto, then you’re in the right place. Whether you’re trying to buy Bitcoin with Euros for the first time or you’re looking for a new exchange to trade futures, I’ve got you covered.
I’ve done all the legwork, spending hundreds of hours testing over 40 exchanges in the last 2 years for FXempire. All my opinions are based on my personal findings and experience. I’ve deposited my own money and traded my own capital with the aim of finding the best exchanges in Europe.
Since not everyone is the same, and everyone has different priorities. I’ve created seven categories that should cover the needs of most users. I’ve given my top pick for each category, along with a few reasons why I think that exchange is the best.
| Exchange | Ranking | Taker/Maker | Available Crypto | Accepts Fiat | Payment Methods | KYC |
|---|---|---|---|---|---|---|
Crypto.com | 4.3 Read Review | 0.5% / 0.25% | 432 | Yes | +5 | Full KYC Required |
Coinbase Exchange | 4.1 Read Review | 1.2% / 0.6% | 376 | Yes | +6 | Yes |
Paybis | No Rating Read Review | 4.5% / 4.5% | 84 | No | +6 | Optional for purchases up to 1,000 USD (mandatory in certain regions and for all Sell Crypto transactions) |
Kraken | 4.2 Read Review | 0.4% / 0.25% | 675 | Yes | +3 | Yes |
Binance | 4.8 Read Review | 0.1% / 0.1% | 447 | Yes | +1 | Yes |
OKX | 4.6 Read Review | 0.1% / 0.08% | 291 | Yes | +6 | YES |
MEXC | 4.6 Read Review | 0.01% / 0% | 2179 | Yes | +3 | No |
After testing Crypto.com in late 2025, it became one of my go-to exchanges as someone living in Europe. It offers all of the features you’d ever need, with everything from trading and buying crypto to staking and cashback rewards with its famous Visa card. No wonder it’s trusted by over 150 million users globally. If you live in Europe and want a single platform that meets all your crypto needs, look no further than Crypto.com.
I find Coinbase to be the first platform most people think of when they’re asked to name a crypto exchange. It’s built a strong reputation as one of the best exchanges if you’re new to crypto, thanks to its beginner-friendly interface and secure trading experience. You can make deposits easily or use its quick buy services to instantly buy crypto or set up recurring buys. If you’re new to crypto, using the Coinbase app is a great way to start investing.
Kraken is one of my go-to exchanges as someone who lives in Europe and prioritizes security. During our testing in mid-2024, it received the highest rankings for safety and security in the industry. It offers all the features you could want from a crypto exchange without compromising on security, transparency, or regulatory compliance. Having dedicated Lite and Pro apps makes Kraken great for both beginners and experienced users, especially if you prioritize security above all else.
OKX is a top-tier exchange with a loyal following of users across Europe. I found its intuitive interface makes it great for both experienced users and beginners, with a Lite mode for first-time investors. It’s popular for its wide range of trading instruments and tools, along with features like flexible and liquid staking, which make it a perfect fit if you want to make some passive income on your idle holdings.
I’ve frequently ranked MEXC as the best exchange for low fees, with the exchange building a reputation for being one of the most cost-effective platforms to trade with. It’s also got a cult following among futures traders thanks to its high leverage, deep liquidity, and advanced trading platform. If you want the lowest fees in the industry without compromising on trading features or security, MEXC is the ideal platform for you.
MiCA, or Markets in Crypto-Assets, is the EU’s regulatory framework for crypto that came into effect in late 2024, with a 2026 deadline for exchanges to comply. Any exchange that wants to operate legally across the EU needs to get a MiCA license, which means complying with strict regulations on consumer protection, transparency, and security.
This is great for us, the end users, since it means the exchanges will be tightly regulated and held to a much higher standard than before. However, it has also led to some exchanges withdrawing from the European market or restricting most services for European users. Nevertheless, as someone who lives in Europe, a MiCA license is the first thing I look for when considering a new exchange to use.
Since there is a wide range of payment methods in Europe, this question has no clear answer, and it all comes down to what your priorities are. If you want the most cost-effective method, then you’re best off using SEPA bank transfers, which are free on many exchanges while still offering fast settlement times. The only downside is that they require more legwork to manually make the bank transfer from your banking app.
If you want the fastest and most convenient way of buying crypto, bank cards or Apple/Google Pay are your best bet. They are supported by most exchanges and offer instant settlement, but come with much higher fees than SEPA transfers. PayPal is another great option if you want fast settlement, but it also comes with high fees and is only supported on a handful of exchanges.
The simple answer is yes. In most European countries, crypto gains are treated as either taxable income or capital gains, meaning if you sell crypto for more than you paid for it, you’ll have to report it and pay tax on the difference. Exact laws will vary from country to country, with exemptions in some countries. Germany doesn’t tax crypto gains if you’ve held the asset for more than a year, while France, on the other hand, applies a flat 30% tax on crypto profits. I strongly suggest speaking to a local tax professional to see what laws apply in your jurisdiction.
This is where things get a bit complicated. While MiCA regulations do offer consumer protections like making exchanges hold customer funds in segregated accounts, it doesn’t offer any deposit guarantee schemes that protect your money as you get from traditional banks. So if an exchange collapses, even if it’s MiCA licensed, you’ll have a hard time recovering your money.
Technically yes. While it will soon be illegal for non-MiCA licensed exchanges to operate in Europe, there’s nothing stopping Europeans from signing up with non-MiCA licensed exchanges. That being said, many non-MiCA licensed exchanges have put in new rules that prevent European residents from joining and passing KYC checks. It’s not illegal for individuals to join non-MiCA licensed exchanges, but you’re giving up most of your consumer protection if you choose to do so.
The most notable crypto that’s been delisted from MiCA-licensed exchanges is USDT. While it’s probably the most used stablecoin when it comes to trading pair denomination, several major EU-regulated exchanges have delisted USDT for European users, making USDC the default USD stablecoin for MiCA-licensed exchanges.
Beyond stablecoins, MiCA’s impact on other cryptocurrencies has been less dramatic so far. While the regulations do leave the door open to restrict more assets, there aren’t any notable coins that have been delisted so far.
| Country | What is Taxed? | How to Pay? |
| Austria | – All crypto income (disposals, staking, airdrops, mining) taxed at a flat 27.5% | Withheld by exchanges otherwise declared in annual income tax return |
| Belgium |
– Individuals taxed 10% flat (with €10,000 annual exemption) – Professional traders taxed 33% or up to 50%+ (professional income) |
Annual tax return on Tax-on-Web portal |
| Bulgaria | – Flat 10% personal income tax on crypto gains and income (staking, mining, airdrops taxed as income) | Annual income tax return (НАП – National Revenue Agency) |
| Croatia |
– Short-term gains (<2 years): ~12% national tax + municipal surtax – Long-term (>2 years): 0% |
Annual tax return (Porezna uprava – Tax Administration) |
| Cyprus | – Flat 8% CGT on all crypto disposals (losses offsettable only within same tax year) | Annual tax return (Tax Department portal) |
| Czech Republic |
– Short-term (<3 years): 15% or 23% income tax – Long-term (>3 years): exempt (up to CZK 40M cap) – All transactions below CZK 100,000/year exempt |
Annual income tax return (Finanční správa portál) |
| Denmark | – Capital gains from crypto taxed as personal income at progressive rates of 42–52% | Annual tax return (pre-filled by SKAT) |
| Estonia | – All crypto gains taxed as income at flat 20% (conversion to fiat or purchase of goods/services only. crypto-to-crypto is NOT taxable) | Annual income tax return (e-MTA portal) |
| Finland |
– Capital gains on disposal: 30% (≤€30,000 gains) or 34% (>€30,000) – Staking/mining/airdrops taxed as earned income at progressive rates (up to 51.5%) – Crypto-to-crypto is taxable |
Annual pre-filled tax return via MyTax portal (you must add crypto transactions manually) |
| France |
– Occasional investors: 30% flat on fiat disposal only – Crypto-to-crypto is NOT a taxable event – Professional traders: taxed as BIC income up to 45% – Staking/mining taxed as BNC or BIC income |
Annual tax return (impots.gouv.fr) |
| Germany |
– Short-term (<12 months): 14–45% progressive income tax (€1,000 annual exemption) – Long-term (>12 months): 0% – Staking/mining income: income tax at progressive rates |
Annual income tax return (via ELSTER) |
| Greece |
– Flat 15% CGT on crypto disposals – Staking/mining taxed as business income at progressive rates |
Annual tax return (myAADE digital portal) |
| Hungary | – Flat 15% income tax on crypto gains and income (staking, mining, airdrops) | Annual personal income tax return (NAV portal) |
| Iceland |
– Capital gains taxed as capital income at 22% – Staking/mining treated as income and taxed at progressive rates |
Annual tax return (RSK portal) |
| Ireland |
– CGT at 33% on disposals (€1,270 annual exemption) – Staking, mining, and airdrops taxed as income under Income Tax + USC + PRSI (can exceed 40%) – Crypto-to-crypto is a taxable disposal |
CGT & income tax self-assessed (Revenue Online Service) |
| Italy |
– CGT at 33% on gains >€2,000/year – Euro-denominated stablecoins: 26% – 18% substitute tax on unrealised gains at Jan 2026 valuation |
Annual tax return (Modello Redditi/730) |
| Latvia |
– Capital gains taxed as personal income at 20% income tax rate applies – Staking/mining treated as income |
Annual income tax return (Electronic Declaration System) |
| Liechtenstein |
– Progressive income tax on all crypto gains and income – Crypto as private assets generally taxed similarly to securities |
Annual tax return (Steuerkommission) |
| Lithuania |
– CGT at 15% (rising to 20% above a high-income threshold); – Staking/mining/airdrops taxed as income |
Annual income tax return (i.MAS portal) |
| Luxembourg |
– Short-term (<6 months): taxed as speculative income at progressive rates (up to ~42%) – Long-term (>6 months): 0% (tax-exempt private gain) – Staking income taxed progressively |
Annual income tax return (MyGuichet portal) |
| Malta |
– Individual long-term investors: 0% CGT – Frequent/professional traders: income tax up to 35% – Staking/mining: income tax |
Self-assessment via CFR Services Online |
| Netherlands |
– No CGT on disposal – Box 3 wealth tax applies (~2.2% of total crypto value annually) – Calculated on 1 January portfolio value each year |
Annual income tax return (MijnBelastingdienst portal) |
| Norway |
– CGT at 22% on all disposals (no long-term exemption) – Staking/mining/airdrops taxed as income at standard income tax rates – Wealth tax applies to holdings above NOK 1.7M threshold |
Annual pre-filled tax return (Skatteetaten.no portal) |
| Poland |
– Flat 19% on all crypto gains – Staking/mining/airdrops taxed as income at the same 19% flat rate |
Annual tax return (e-Urząd Skarbowy portal) |
| Portugal |
– Short-term (<12 months): 28% flat CGT – Long-term (>12 months): 0% – Staking/mining: taxed as self-employment income at progressive rates (up to 53%) |
Annual income tax return (Portal das Finanças) |
| Romania |
– Flat 10% income tax on crypto gains – Taxable above a small exemption threshold |
Annual income tax return (SPV portal) |
| Slovakia |
– Short-term (<1 year): 19% or 25% income tax – Long-term (>1 year): 7% flat rate Staking/mining taxed as income |
Annual income tax return (FS portal) |
| Slovenia |
– CGT at 25% on all disposals from Jan 2026 (previously 0%) – Crypto-to-crypto is NOT taxable |
Annual tax return (eDavki portal) |
| Spain |
– Savings income CGT: 19% (≤€6k), 21% (€6k–€50k), 23% (€50k–€200k), 28% (>€200k) – Staking/mining: ordinary income up to 47% – Modelo 721 mandatory for foreign holdings >€50,000 |
Annual income tax return (Agencia Tributaria AEAT portal) Modelo 721 for foreign crypto holdings |
| Sweden |
– Flat 30% CGT on disposals – Staking/mining taxed as earned income at 32–52% progressive rates |
Annual pre-filled tax return (Mina sidor portal) |
| Country | What is Taxed? | How to Pay? |
| Albania | – CGT at 15% on disposal gains; business income from crypto taxed at 15% | Annual income tax return |
| Andorra | – No tax on crypto | – |
| Belarus | – No tax on crypto | – |
| Bosnia & Herzegovina | – No tax on crypto | – |
| Georgia |
– 0% for individuals – 15% for corporate entities |
N/A for individuals Corporate tax return for entities |
| Kosovo | – No tax on crypto | – |
| Moldova | – CGT at 12% for individuals | Annual income tax return |
| Monaco |
– No personal income tax – No CGT for residents (except French nationals, who are subject to French tax) |
– |
| Montenegro |
– No CGT on crypto for individuals – Income from crypto business activities may be taxable |
– |
| North Macedonia | – No tax on crypto | – |
| San Marino | – Crypto gains taxed under general personal income rules (flat 17% rate) | Annual tax return (Ufficio Tributario) |
| Serbia |
– CGT at 15% on crypto disposals – Staking/mining taxed as income |
Annual tax return (Poreska uprava) |
| Switzerland |
– Individuals: 0% CGT – Professional traders: cantonal + federal income tax (up to ~40%) – All holdings declared for wealth tax (0.3–1% annually by canton) – Staking income declared as income at FMV |
Annual tax return (cantonal authority) Declaration of crypto holdings for wealth tax mandatory |
| Turkey |
– No tax on crypto for individuals – Crypto-related income taxed as income tax for businesses |
– |
| Ukraine | – 18% personal income tax + 1.5% military levy on crypto gains | Annual tax return (DPS Електронний кабінет платника) |
| UK |
– CGT at 18% (basic rate) or 24% (higher rate) on disposals above £3,000 annual exempt amount – Staking/mining/airdrops taxed as income at marginal rates (20–45%) – Crypto-to-crypto is a taxable disposal |
Annual self-assessment tax return (HMRC Gov.uk/self-assessment) Gains also reportable in-year via HMRC’s real-time CGT service for >£10,000 disposals |
Shennon Hewa is a crypto trader and crypto journalist based in London. Active in the crypto space since 2017, he specializes in scalping, derivatives day trading, and swing trading. At FXEmpire, he has reviewed dozens of crypto exchanges and has extensive knowledge of platform strengths and weaknesses.
At FXEmpire, we strive to provide unbiased, thorough, and accurate exchange reviews by industry experts to help our users make smarter financial decisions.