[Exchanges](https://revain.org/exchanges/) › Bitvavo

# Bitvavo: licences, security, fees and reviews

Centralized exchange

## Status update

- **UK: legacy accounts closed**: Because of FCA financial-promotion rules, buying and deposits for existing UK accounts stopped on 23 June 2026, and all legacy UK accounts were closed after 21 July 2026. [source ↗](https://support.bitvavo.com/hc/en-us/articles/48017575557777-Changes-to-your-Bitvavo-UK-account)
- **UK: relaunch on new platform**: Bitvavo announced a UK relaunch in August 2026 on a new GBP platform. A GBP deposit guide for 'Bitvavo UK account' was published on 11 Aug 2026. [source ↗](https://support.bitvavo.com/hc/en-us/articles/48017575557777-Changes-to-your-Bitvavo-UK-account)

As of 31 October 2026, from the company’s own announcements unless stated otherwise.

## In short

- **Legal entity**: Bitvavo B.V. (Dutch Chamber of Commerce no. 68743424)
- **Fees**: Spot maker: 0.15% at the entry tier (€0+ 30-day volume), category A assets and other euro pairs (fees page as of 13 November 2025)
- **Risks and caveats**: Proof-of-reserves attestations cover only in-scope assets at the snapshot time; other assets and later transactions are not reflected.
- **Checked**: 29 October 2026

## Key facts

- **Type**: Centralized exchange
- **Exchange launched**: 2018
- **Country of registration**: Netherlands
- **Operator**: Bitvavo B.V.
- **Official site**: [bitvavo.com/en](https://bitvavo.com/en)

Key facts checked on 29 October 2026 against official sources and regulator registers.

## What is Bitvavo

Bitvavo is a centralised cryptocurrency exchange operated by Bitvavo B.V. in Amsterdam; the platform launched in 2018. It offers spot trading in over 400 crypto assets against the euro and USDC, plus staking and margin trading, for residents of the SEPA countries on its supported list. Bitvavo B.V. holds a MiCA authorisation from the Dutch Authority for the Financial Markets (AFM).

## Good to know

- The AFM register lists Bitvavo B.V.'s MiCA authorisation (no. 41000010) with a passport to the other EU/EEA countries, from Austria to Sweden, including Norway, Iceland and Liechtenstein. [↗](https://www.afm.nl/~/profmedia/files/registers/register-cryptopartijen.xlsx)
- Customer crypto is held in an omnibus account of Stichting Bitvavo Payments, a foundation separate from Bitvavo B.V. that Bitvavo describes as bankruptcy-remote. [↗](https://support.bitvavo.com/hc/en-us/articles/4405186076689-Is-my-hosted-wallet-well-secured)
- The Bitvavo Account Guarantee may reimburse up to €100,000 if someone gains unauthorised access to an account and takes funds; the custody insurance does not cover such account takeovers. [↗](https://support.bitvavo.com/hc/en-us/articles/4405242921233-Insured-cold-storage-solutions-at-Bitvavo)
- Limit orders reserve the maximum 0.25% fee until they execute; any difference to the actual fee is refunded. [↗](https://support.bitvavo.com/hc/en-us/articles/4405175148689-What-is-the-trading-fee-when-I-buy-or-sell-crypto)
- As of 13 November 2025, Bitvavo's fees page listed stablecoin pairs (USDC/EUR, EURC/EUR, EUROP/EUR) from 0.10% and USDC markets at 0.05%; stablecoin-pair trades did not count toward the 30-day volume tier. [↗](https://web.archive.org/web/20251113103313/https://bitvavo.com/en/fees)
- Credit card deposits cost 1.00%. After a card, PayPal, Apple Pay or Bancontact deposit, withdrawals are possible only once another deposit method has been used. [↗](https://support.bitvavo.com/hc/en-us/articles/4405187872657-How-can-I-deposit-euro-to-Bitvavo)
- Margin positions pay an hourly borrowing fee, and a 2% liquidation fee applies if Bitvavo liquidates a position. [↗](https://support.bitvavo.com/hc/en-us/articles/47113521166097-What-fees-do-I-pay-for-margin-trading)
- Bitvavo does not offer an OTC desk; all trades go through the standard trading interface. [↗](https://support.bitvavo.com/hc/en-us/articles/4405230527633-What-is-Bitvavo)
- The standard withdrawal limit is €25,000 per 24 hours, combined for euro and crypto. Higher limits are set individually after a source-of-funds review and cannot be arranged in advance. [↗](https://support.bitvavo.com/hc/en-us/articles/4405132168209-Proof-of-Source-of-Funds-POSOF)
- Under the EU tax directive DAC8, Bitvavo collects customers' tax details and, from 2027, reports them to the Dutch Tax Administration; accounts with missing tax details are restricted. [↗](https://support.bitvavo.com/hc/en-us/articles/49953432800401-Why-we-ask-for-your-nationality-identification-number-and-tax-details)

## Services

| Parameter | Details |
|---|---|
| Spot trading | Spot trading in over 400 crypto assets |
| Margin | Margin trading with trading, borrowing and liquidation fees |
| Staking / Earn | Flexible and fixed-term staking |
| Custody / wallet | Hosted wallet; most customer crypto held in cold storage with custody partners |
| Fiat deposits | Euro deposits; SEPA transfers are free (fees page as of 13 November 2025) |
| Custody / wallet | Non-custodial Web3 wallet in the app (EVM and Solana addresses), secured with a passkey; private keys can be exported |

## Licences and registrations

| Jurisdiction | Entity | Licence / registration | Regulator |
|---|---|---|---|
| European Union | Bitvavo B.V. | MiCA crypto-asset service provider authorisation no. 41000010 (custody, trading platform, transfers), granted 26 June 2025, passported across the EEA | [Netherlands Authority for the Financial Markets (AFM)](https://www.afm.nl/~/profmedia/files/registers/register-cryptopartijen.xlsx) |
| Germany | Bitvavo B.V. | Listed in the BaFin company database as a cross-border MiCA provider (Art. 65 MiCAR): trading platform, transfer and custody services from 30 June 2025 | [Federal Financial Supervisory Authority (BaFin)](https://portal.mvp.bafin.de/database/InstInfo/institutDetails.do?cmd=loadInstitutAction&institutId=164572) |
| France | Bitvavo B.V. | On the AMF list of MiCA crypto-asset service providers, authorised to provide services in France under the freedom to provide services on its Dutch authorisation (AMF date: 14 July 2025) | [Autorité des marchés financiers (AMF)](https://www.amf-france.org/fr/export/liste-blanche/73748/csv) |
| France | Bitvavo B.V. | Former digital asset service provider (PSAN) registration E2023-101, 15 November 2023 to 14 July 2025; lapsed on the MiCA authorisation | [Autorité des marchés financiers (AMF)](https://www.amf-france.org/fr/espace-professionnels/fintech/mes-relations-avec-lamf/prestataire-de-services-sur-crypto-actifs-psca/liste-des-psan-radies) |
| Spain | Bitvavo B.V. | Listed by the CNMV among crypto-asset service providers (spelled “BITVAVO V.B.” in the list) | [Comisión Nacional del Mercado de Valores (CNMV)](https://www.cnmv.es/portal/Consultas/Proveedores-Servicios-Criptoactivos) |
| Spain | Bitvavo B.V. | Former entry D997 in the register of virtual currency exchange and custody providers, 23 May 2024 to 14 June 2025 (status: removed) | [Banco de España](https://www.bde.es/f/webbe/SGE/n-bt/regis/registro_CMV_SCMV_CMC_SCMC.xlsx) |

## Status in the United States and the United Kingdom

- A search of the FCA Financial Services Register for “Bitvavo” on 29 October 2026 returned no firms. [FCA Financial Services Register](https://register.fca.org.uk/s/search?q=bitvavo&type=Companies)
- In the UK, cryptoasset businesses serving customers there must register with the FCA under the Money Laundering Regulations 2017; since 2022 this also covers firms that communicate cryptoasset financial promotions in the UK. [FCA, cryptoasset AML/CTF regime](https://www.fca.org.uk/firms/financial-crime/money-laundering-terrorist-financing/cryptoassets-aml-ctf-regime)
- FinCEN’s public list of registered money services businesses, downloaded in full on 29 October 2026, contains no entry for Bitvavo or Bitvavo B.V. [FinCEN MSB Registrant Search](https://msb.fincen.gov/)
- Bitvavo’s own list of supported countries covers 23 EU member states and Norway, plus some outlying regions; the United States is not on it. Accounts can only be opened by residents of the listed countries. [Bitvavo, supported countries](https://support.bitvavo.com/hc/en-us/articles/4405238046993-In-which-countries-can-I-use-Bitvavo)
- United Kingdom: because of FCA financial-promotion rules, buying and deposits for existing UK accounts stopped on 23 June 2026 and all legacy UK accounts were closed after 21 July 2026; Bitvavo announced a UK relaunch in August 2026 on a new GBP platform (as of 31 October 2026). [Bitvavo, changes to your UK account](https://support.bitvavo.com/hc/en-us/articles/48017575557777-Changes-to-your-Bitvavo-UK-account)

Checked on 29 October 2026 against regulator registers and the text of the law.

## Security and audits

- Most customer crypto is stored offline in multi-signature cold wallets with custody partners Coinbase Custody International and Copper; a share is kept in a hot wallet for withdrawals.
- An undated Bitvavo support article cites its custody partners' insurance: a $255 million crime policy at Coinbase Custody International and $500 million at Copper.
- Customer crypto sits with Stichting Bitvavo Payments, a foundation separate from Bitvavo B.V.
- External security audits and penetration tests are repeated on major code changes; data centres hold ISO 27001, PCI DSS Level 1 and SOC 1–3 certifications; a security reward programme is in place.
- Crypto withdrawals require two-factor authentication and an address-book entry; anti-phishing codes are available, and an account guarantee may reimburse up to €100,000.

## Fees

| Parameter | Details |
|---|---|
| Spot maker | 0.15% at the entry tier (€0+ 30-day volume), category A assets and other euro pairs (fees page as of 13 November 2025) |
| Spot taker | 0.25% at the entry tier (fees page as of 13 November 2025) |
| Stablecoin pairs | 0.10% maker and taker at the entry tier (fees page as of 13 November 2025) |
| USDC markets | 0.05% maker and taker at the entry tier (fees page as of 13 November 2025) |
| Deposits | Crypto deposits and SEPA transfers are free (fees page as of 13 November 2025); credit card deposits 1.00% |
| Card deposits | Credit card 1.00% (support page, October 2026) |
| Withdrawals | Crypto withdrawal fees vary with blockchain capacity (fees page as of 13 November 2025) |
| Margin borrowing | Hourly interest that varies by asset; 2% liquidation fee if a position is liquidated |
| Asset recovery | €50 administration fee where recovery of crypto sent via a wrong network or unsupported asset is possible (fees page as of 13 November 2025) |

## Who can use it

- Verification: Identity verification is required; full use needs a valid ID or IBAN from a supported SEPA country. Euro deposits must come from the user's own bank account, and source-of-funds documents may be requested.
- Available only to residents of the SEPA countries on Bitvavo's supported list (24 countries: 23 EU member states and Norway; Croatia, Cyprus, Greece and Hungary are not listed). Some outermost and Caribbean regions can register, but need a SEPA ID or IBAN from a supported country.

## History

| Date | Event |
|---|---|
| 2018 | Bitvavo platform launches. |
| 15 November 2023 | The French AMF registers Bitvavo B.V. as a digital asset service provider (no. E2023-101). |
| 23 May 2024 | Bitvavo B.V. is entered in the Banco de España register of virtual currency providers under code D997. |
| 31 December 2024 | Proof of reserves covers 13 assets, including BTC, ETH, XRP and EUR. |
| 14 June 2025 | Bitvavo B.V. is removed from the Banco de España virtual currency register. |
| 26 June 2025 | The AFM authorises Bitvavo B.V. under MiCA, allowing services across the EU. |
| 30 June 2025 | BaFin records Bitvavo B.V.'s cross-border MiCA services in Germany. |
| 14 July 2025 | The AMF lists Bitvavo B.V. as a MiCA provider in France under the freedom to provide services (date 14 July 2025); its French PSAN registration lapses the same day. |

## Risks and caveats

- Proof-of-reserves attestations cover only in-scope assets at the snapshot time; other assets and later transactions are not reflected.
- Bitvavo is available only to residents of the SEPA countries on its supported list.
- The cited insurance belongs to the custody partners and does not cover losses from unauthorised access to a user's account.
- Margin positions can be liquidated, with a 2% liquidation fee on top of trading and borrowing fees.
- Crypto deposited via the wrong network, or an asset Bitvavo does not support, may be lost.
- Accounts with missing tax details (required under DAC8) are restricted after the deadline Bitvavo sets: no deposits, trading or withdrawals until they are completed.

## About the company

- **Legal entity**: Bitvavo B.V. (Dutch Chamber of Commerce no. 68743424)
- **Headquarters address**: Keizersgracht 281, 1016 ED Amsterdam, the Netherlands
- **Headquarters**: Amsterdam, the Netherlands
- **Founded**: Platform launched in 2018
- **LEI**: 724500MX2WBKDJP9HE56
- **Customer-asset foundation**: Stichting Bitvavo Payments, which holds customer crypto in an omnibus account separate from Bitvavo B.V.

## Official links

- Website: [bitvavo.com/en](https://bitvavo.com/en)
- Fees: [bitvavo.com/en/fees](https://bitvavo.com/en/fees)
- Proof of reserves: [support.bitvavo.com/hc/en-us/articles/32989013769873-What-is-Proof-of-Reserves-PoR-and-how-can-I-verify-my-funds](https://support.bitvavo.com/hc/en-us/articles/32989013769873-What-is-Proof-of-Reserves-PoR-and-how-can-I-verify-my-funds)
- Licences: [www.afm.nl/en/sector/registers/vergunningenregisters/cryptopartijen](https://www.afm.nl/en/sector/registers/vergunningenregisters/cryptopartijen)
- Security: [support.bitvavo.com/hc/en-us/articles/4405242921233-Insured-cold-storage-solutions-at-Bitvavo](https://support.bitvavo.com/hc/en-us/articles/4405242921233-Insured-cold-storage-solutions-at-Bitvavo)
- Licences: [support.bitvavo.com/hc/en-us/articles/4405243220753-Is-Bitvavo-regulated](https://support.bitvavo.com/hc/en-us/articles/4405243220753-Is-Bitvavo-regulated)

## Questions and answers

**Is Bitvavo regulated?**

Yes. The AFM register lists Bitvavo B.V. with MiCA authorisation no. 41000010, granted on 26 June 2025, for custody, operating a trading platform and transfers of crypto-assets.

**Does Bitvavo publish proof of reserves?**

Yes. An independent accounting firm performs quarterly attestations with a Merkle tree; users can verify their balances in their account.

**What are Bitvavo's fees?**

Bitvavo's support pages state a maximum trading fee of 0.25% and a 1.00% fee for credit card deposits. Its fees page, as archived on 13 November 2025, listed 0.15% maker and 0.25% taker at the entry tier for crypto pairs, falling with 30-day volume, 0.10% for stablecoin pairs, and free crypto deposits and SEPA transfers.

**Who owns Bitvavo?**

Bitvavo is operated by Bitvavo B.V., headquartered in Amsterdam and registered with the Dutch Chamber of Commerce under no. 68743424.

**Is Bitvavo available in the US or the EU?**

It is available to residents of the countries on Bitvavo's supported list: 23 EU member states and Norway (Croatia, Cyprus, Greece and Hungary are not listed); the United States is not on the list. The United Kingdom is served separately: legacy UK accounts were closed after 21 July 2026, and Bitvavo relaunched in the UK in August 2026 on a new GBP platform (as of 31 October 2026).

**Can Bitvavo operate in Germany, France and Spain?**

Yes, on its Dutch MiCA authorisation: BaFin lists Bitvavo B.V. as a cross-border provider from 30 June 2025, the AMF lists it for France with the date 14 July 2025, and the CNMV lists it for Spain.

**How does Bitvavo hold customer crypto?**

Most of it sits offline in multi-signature cold wallets with Coinbase Custody International and Copper, in an omnibus account of Stichting Bitvavo Payments, a foundation separate from Bitvavo B.V.

**What are Bitvavo's withdrawal limits?**

The standard limit is €25,000 per 24 hours, combined for euro and crypto; higher limits are set individually after a source-of-funds review. Crypto withdrawals require two-factor authentication.

## Sources

- [Bitvavo — Fees (archived 13 November 2025)](https://web.archive.org/web/20251113103313/https://bitvavo.com/en/fees)
- [Bitvavo — About (archived 3 March 2024)](https://web.archive.org/web/20240303012112/https://bitvavo.com/en/about)
- [Bitvavo Support — What is Bitvavo?](https://support.bitvavo.com/hc/en-us/articles/4405230527633-What-is-Bitvavo)
- [Bitvavo Support — Is Bitvavo regulated?](https://support.bitvavo.com/hc/en-us/articles/4405243220753-Is-Bitvavo-regulated)
- [Bitvavo Support — What does Bitvavo's MiCAR license from the AFM mean for me?](https://support.bitvavo.com/hc/en-us/articles/4405243980945-What-does-Bitvavo-s-MiCAR-license-from-the-AFM-mean-for-me)
- [Bitvavo Support — Proof of Reserves](https://support.bitvavo.com/hc/en-us/articles/32989013769873-What-is-Proof-of-Reserves-PoR-and-how-can-I-verify-my-funds)
- [Bitvavo Support — Insured cold storage solutions](https://support.bitvavo.com/hc/en-us/articles/4405242921233-Insured-cold-storage-solutions-at-Bitvavo)
- [Bitvavo Support — In which countries can I use Bitvavo?](https://support.bitvavo.com/hc/en-us/articles/4405238046993-In-which-countries-can-I-use-Bitvavo)
- [AFM — Register of crypto-asset service providers (overview of 13 October 2026)](https://www.afm.nl/~/profmedia/files/registers/register-cryptopartijen.xlsx)
- [ESMA — Interim MiCA register of crypto-asset service providers](https://www.esma.europa.eu/sites/default/files/2024-12/CASPS.csv)
- [Bitvavo Support — What is the trading fee when I buy or sell crypto?](https://support.bitvavo.com/hc/en-us/articles/4405175148689-What-is-the-trading-fee-when-I-buy-or-sell-crypto)
- [Bitvavo Support — How can I deposit euro to Bitvavo?](https://support.bitvavo.com/hc/en-us/articles/4405187872657-How-can-I-deposit-euro-to-Bitvavo)
- [Bitvavo Support — What fees do I pay for margin trading?](https://support.bitvavo.com/hc/en-us/articles/47113521166097-What-fees-do-I-pay-for-margin-trading)
- [Bitvavo Support — Are the digital currency on my account safe?](https://support.bitvavo.com/hc/en-us/articles/4405243566353)
- [Bitvavo Support — How do I enable crypto withdrawals?](https://support.bitvavo.com/hc/en-us/articles/18379816766737-How-do-I-enable-crypto-withdrawals)
- [Bitvavo Support — Proof of Source of Funds (POSOF)](https://support.bitvavo.com/hc/en-us/articles/4405132168209-Proof-of-Source-of-Funds-POSOF)
- [Bitvavo Support — Why we ask for your nationality, identification number and tax details](https://support.bitvavo.com/hc/en-us/articles/49953432800401-Why-we-ask-for-your-nationality-identification-number-and-tax-details)
- [Bitvavo Support — Is my hosted wallet well secured?](https://support.bitvavo.com/hc/en-us/articles/4405186076689-Is-my-hosted-wallet-well-secured)
- [Bitvavo Support — How do private keys and passkeys work?](https://support.bitvavo.com/hc/en-us/articles/46668051223441-How-do-private-keys-and-passkeys-work)
- [BaFin — Company database: Bitvavo B.V.](https://portal.mvp.bafin.de/database/InstInfo/institutDetails.do?cmd=loadInstitutAction&institutId=164572)
- [AMF — List of crypto-asset service providers (CSV)](https://www.amf-france.org/fr/export/liste-blanche/73748/csv)
- [AMF — List of deregistered PSAN](https://www.amf-france.org/fr/espace-professionnels/fintech/mes-relations-avec-lamf/prestataire-de-services-sur-crypto-actifs-psca/liste-des-psan-radies)
- [Banco de España — Register of virtual currency providers](https://www.bde.es/f/webbe/SGE/n-bt/regis/registro_CMV_SCMV_CMC_SCMC.xlsx)
- [CNMV — Crypto-asset service providers](https://www.cnmv.es/portal/Consultas/Proveedores-Servicios-Criptoactivos)
- [FCA Financial Services Register](https://register.fca.org.uk/s/search?q=bitvavo&type=Companies)
- [FCA, cryptoasset AML/CTF regime](https://www.fca.org.uk/firms/financial-crime/money-laundering-terrorist-financing/cryptoassets-aml-ctf-regime)
- [FinCEN MSB Registrant Search](https://msb.fincen.gov/)
- [Bitvavo, changes to your UK account](https://support.bitvavo.com/hc/en-us/articles/48017575557777-Changes-to-your-Bitvavo-UK-account)

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Page updated: 2026-10-31

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Source: https://revain.org/exchanges/bitvavo/