We compared the crypto exchanges used in Finland and listed the supervised, MiCA-licensed platforms on this page. The assessments are based on the exchanges' public price lists, terms of use and licence information.
Every crypto exchange listed on this page holds a licence under the EU's MiCA regulation, granted either by the Finnish Financial Supervisory Authority (FIN-FSA) or by the supervisor of another EU country and notified to Finland. For us this is a principle, not a formality. Read more about our review principles.
Below is a short summary of each crypto service. More detail is in each full review.
Finland's longest-running crypto exchange (since 2012), with a MiCA licence from the FIN-FSA since 2025. The trading fee is tiered by volume from 0.8% up to 2.0% on small, occasional purchases, but the price list is transparent and does not hide costs in the spread. Support in Finnish and Swedish evens out the difference to competitors, although a SEPA withdrawal costs €0.90. Read the full review →
The trading fee depends on your volume over the previous 30 days: from 0.6% at high volume, 1.0% on smaller purchases. Instant Buy and Autopilot are charged separately at 2–3%. The track record since 2018 is shorter than Coinmotion's and the selection narrower, but for a cost-conscious user it is still a competitive choice. Read the full review →
The newest exchange in the comparison (parent company Kvarn Capital Oy from 2022, KvarnX itself from 2023). According to its price list the trading fee is the lowest in the comparison: from 0.1% at high volume, 0.8% at low volume, with a €1 minimum fee on every tier. The interface is clear and beginner-friendly, and the service states that euro withdrawals typically take 1–2 banking days. Read the full review →
An international platform whose EU entity eToro (Europe) Ltd is supervised by the Cyprus Securities and Exchange Commission (CySEC) under MiCA. Crypto is just one asset class among others, with more than 150 cryptocurrencies available. The trading fee (1.00%, not tiered) is the highest in the comparison, and withdrawals are typically slower than with the Finnish SEPA exchanges. Read the full review →
MiCA-licensed from Luxembourg (CSSF) since 2025. Pricing in the Simple app (about 0.5% margin plus a 1.49–3.99% payment method fee) can push the total cost of a small purchase close to 4–5%, while the Advanced Trade view charges 0.60–1.20% for the same trade, falling further at high monthly volumes. The selection is wide, more than 200 cryptocurrencies. Read the full review →
MiCA-licensed from Malta (MFSA) since 2025. The Exchange view fee is competitive, from 0.25% maker, but instant buy in the App wallet blurs the real cost with a built-in spread. The selection is the widest of the international players in the comparison, more than 350 cryptocurrencies. Read the full review →
MiCA-licensed from Austria (FMA) since 2025, with 16 EU licences and registrations and operating since 2014. The roughly 1.49% pricing margin in the Best Price app is not shown as a separate cost item, while in the Fusion order book the same trade costs clearly less according to the price list. Read the full review →
The figures from the price lists are collected below. More detail and update dates are in each crypto service's review.
| Coinmotion | Northcrypto | KvarnX | eToro | |
|---|---|---|---|---|
| Trading fee | From 0.8% (0.8–2.0%) | From 0.6% (0.6–1.0%) | From 0.1% (0.1–0.8%, min. €1) | 1.00% (flat) |
| Withdrawal | €0.90 (SEPA) | €1.00 (SEPA) | Free (SEPA) | €0 (EUR account), $5 (USD account) |
| Supervision | FIN-FSA | FIN-FSA | FIN-FSA | CySEC (MiCA) |
| Sign-up | Finnish bank ID | Finnish bank ID | Finnish bank ID | ID document |
| Founded | 2012 | 2018 | 2023 | 2007 |
| Typical withdrawal time | 1 banking day | 1 banking day | 1–2 banking days | 3–5 business days |
| Kryptoluotsi score | 8.8 / 10 | 8.5 / 10 | 7.9 / 10 | 8.1 / 10 |
Three of the four crypto exchanges tier the trading fee by volume, so the "from" figure only applies at higher volume; on a small, occasional purchase the real cost is closer to the top of the range. The cheapest trading fee also does not automatically make the best crypto platform: withdrawal speed, language support and the breadth of the selection matter differently to different users. Our criteria are described on the page how we review.
We only list services whose licence information, fees and withdrawal terms we have gone through with the same criteria; see our method. This is slower than listing every crypto platform on the market, but every review is backed by the same checklist and not just the company's marketing material. The operating environment is also converging under the EU's MiCA regulation as the European supervisory authorities update their guidance and raise the minimum requirements for the whole sector.
Not necessarily. When purchases are small and infrequent, the difference in trading fees stays small in euros. Then language support, a clear interface or withdrawal speed can matter more in everyday use than a few cents in trading fees.
The Finnish exchanges (Coinmotion, Northcrypto, KvarnX) identify new customers with Finnish online banking credentials. The international platforms in the comparison (eToro, Coinbase, Crypto.com, Bitpanda) verify your identity with a passport or ID card instead. See buying crypto without Finnish bank ID.
The calculator uses each crypto exchange's best trading fee, i.e. the one at the highest volume tier; see the exact range in the table above.
| Guide | What it covers |
|---|---|
| How to buy crypto in Finland | The whole process from choosing an exchange to your first purchase |
| Buy crypto without Finnish bank ID | Options for newcomers and expats in Finland |
| Choosing a crypto wallet | Where to move your coins when an exchange account is no longer enough |
| Crypto taxes in Finland | What to record after your first purchase |
| How we review | Our review criteria, openly explained |
Published the English version of this page.
