Crypto Brokers Netherlands

Crypto Brokers in the Netherlands offer easy access to Bitcoin, Ethereum, and hundreds of altcoins—whether you’re a Dutch resident or an expat with a SEPA bank account. From regulated brokers like eToro to Dutch-based platforms such as Bitvavo, trading crypto in the Netherlands is simple, legal, and increasingly popular. This guide covers everything you need to know in 2025, including taxes, fees, regulation, and how to pick the right platform.

Crypto Trading in the Netherlands: What You Need to Know

The Netherlands has emerged as one of the most crypto-friendly countries in Europe. Trading digital assets like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) is legal, regulated, and widely accessible via Dutch and EU-based platforms. Users can register with a broker, verify their identity, and start trading with EUR in just minutes.

Crypto brokers differ from traditional crypto exchanges by offering simplified access, fiat onramps, and in some cases, regulated custody solutions. Platforms like Bitvavo and eToro let you buy crypto directly with euros, while also providing beginner-friendly interfaces and integrated wallets. Most Dutch users prefer this route due to DNB oversight, SEPA bank compatibility, and the ability to report holdings easily for tax purposes.

If you want exposure to crypto without holding private keys or managing cold storage, crypto brokers are the most convenient and compliant solution in 2025.

Who Can Trade Crypto in the Netherlands?

Anyone over the age of 18 with a valid ID and access to a European payment method can trade crypto legally in the Netherlands. This includes Dutch citizens, EU/EEA residents, and expats with temporary or permanent residence. You don’t need to be a Dutch national or have a Dutch bank account—any SEPA-compatible account is usually enough.

Minimum requirements for opening a crypto broker account

• Valid passport or EU/EEA national ID
• Proof of address (utility bill, rental agreement, etc.)
• Tax identification number (BSN for Dutch residents, TIN for others)
• Age 18 or older
• SEPA-enabled bank account or credit/debit card

Most brokers operating in the Netherlands must comply with Dutch AML laws, meaning they will run KYC checks before allowing deposits or trades. Once verified, you can use the platform to buy, sell, or convert crypto with EUR—typically via iDEAL, bank transfer, or card payment.

How to Open a Crypto Broker Account

Opening a crypto account in the Netherlands is fast, digital, and requires only basic documentation. Most users can register, verify, and fund their account on the same day. However, due to Dutch regulations, all platforms must follow strict Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures.

Steps to get started:

• Choose a crypto broker or trading platform
• Verify your identity and upload required documents
• Link a SEPA bank account or payment card
• Deposit EUR or another fiat currency
• Start buying and trading cryptocurrencies

1. Choose a crypto broker or trading platform

Select a broker based on what you need: ease of use, low fees, access to altcoins, or staking options. eToro and Bitvavo are top choices for Dutch users. eToro is ideal for beginners and multi-asset trading, while Bitvavo offers low-cost crypto purchases and local bank support.

2. Verify your identity and upload documents

All Dutch-registered brokers must verify your identity. Upload a copy of your ID (passport or EU card) and proof of address (e.g., energy bill or rental contract no older than 3 months). Some platforms use instant ID-check software, others approve manually within 24 hours.

3. Link a SEPA bank account or payment card

To deposit funds, connect a SEPA-compatible bank account or use supported payment methods like iDEAL, Visa, or Mastercard. Some brokers also support PayPal or Apple Pay.

4. Deposit EUR or another fiat currency

Once verified, make a deposit. Bitvavo allows as little as €1, while eToro requires a $50 minimum. Transfers via iDEAL are often instant, while SEPA can take 1–2 business days.

5. Start buying and trading cryptocurrencies

Use the platform dashboard to select coins like BTC, ETH, ADA, or SOL. Set your amount, confirm the order, and your assets will appear in your broker wallet. Most platforms support both one-time purchases and recurring buys.

Types of Crypto Brokers in the Netherlands

rypto brokers in the Netherlands fall into several categories, depending on the services they offer, regulatory status, and the range of assets available. Understanding these types helps you choose a platform that matches your experience level and trading goals.

Main categories of crypto brokers:

Centralized brokers with fiat support

These are dedicated crypto platforms that allow direct fiat-to-crypto purchases. They support EUR deposits, withdrawals to Dutch bank accounts, and offer dozens or hundreds of coins.

A key example is Bitvavo, a Dutch-based broker known for low fees and easy iDEAL integration. These platforms also manage wallets and custody on your behalf.

Multi-asset brokers offering crypto

Brokers like eToro offer crypto alongside stocks, ETFs, and forex. These platforms are ideal for users who want diversified exposure without switching accounts.

You can buy Bitcoin and Tesla shares in the same interface, with social trading and regulated custody. While spreads may be slightly higher, the user experience is beginner-friendly.

Crypto-only platforms registered with DNB

Some EU-based platforms specialize purely in crypto trading and are registered with the Dutch Central Bank (DNB). These include platforms like LiteBit and Coinmerce.

They offer broader coin access than traditional brokers, and often include advanced features like staking, recurring buys, and DeFi access—while remaining compliant with local AML laws.

Supported Cryptocurrencies and Features

Crypto brokers in the Netherlands support a wide range of digital assets—from top coins like Bitcoin (BTC) and Ethereum (ETH) to emerging altcoins such as Polkadot (DOT), Avalanche (AVAX), and Chainlink (LINK). Many platforms also include features like staking, recurring buys, and hosted wallets to simplify the user experience.

The number of supported assets and features varies significantly by broker. Some focus on simplicity with 20–50 coins, while others offer access to hundreds, including DeFi tokens, stablecoins, and NFT-related assets.

Comparison of crypto brokers and their features (2025)

Broker	# of Coins	Fiat Support	Staking	Wallet Included	Recurring Buys	NFT/DeFi Access	Notes
eToro	~75	EUR, USD	✓ (limited)	✓ (custodial)	✓	✗	Best for beginners, social trading
Bitvavo	200+	EUR	✓	✓ (hot wallet)	✓	✗	Low fees, Dutch-based, DNB-registered
Coinmerce	300+	EUR	✓	✓	✓	✓	Broadest altcoin range, staking focus
Binance EU	350+	EUR, USD	✓	✓	✓	✓	For advanced traders, complex UI
LiteBit	150+	EUR	✓	✓	✗	✗	Clean interface, supports SEPA

Things to consider:

• eToro offers the easiest onboarding but fewer coins and no DeFi
• Bitvavo strikes the best balance for most Dutch users: many assets, local support, and low fees
• Coinmerce and Binance suit traders who want deeper altcoin access and platform features beyond just buying/selling
• Recurring buys are useful for cost-averaging into BTC or ETH monthly
• Staking allows you to earn yield on select coins (e.g. ADA, DOT, SOL)

The right broker depends on whether you value simplicity, yield opportunities, or access to rare assets. Most users start with 5–10 major coins before expanding into altcoins or staking.

Trading Costs and Fees

Crypto broker fees in the Netherlands vary widely depending on the platform, payment method, and trade size. Unlike stock brokers with fixed commissions, crypto platforms typically charge either spreads or percentage-based fees on each transaction.

Dutch and EU-based brokers are generally transparent about their fee structure. However, it’s important to distinguish between trading fees, deposit/withdrawal fees, and network (blockchain) fees.

Key types of fees

• Trading fee or spread – Cost per trade, either fixed % or embedded in price
• Deposit fee – Some platforms charge for card deposits or instant transfers
• Withdrawal fee – Charged for fiat or crypto withdrawals; varies by coin
• Staking fee (cut) – Platforms often take a % of staking rewards

Broker	Trading Fee	Deposit Fee	Withdrawal Fee	Notes
eToro	1% (buy & sell)	Free (bank), ~2% (card)	$5 (flat, fiat)	Spread-based, simple pricing
Bitvavo	0.25% max	Free (bank, iDEAL)	Variable (coin-based)	Among the lowest fees in NL
Coinmerce	0.4%–2.5%	Free (bank)	Coin-based	Transparent fees, higher for rare coins
Binance EU	0.1% (spot)	Free (SEPA), ~1.8% (card)	Coin-based	Best for high volume, lowest spread
LiteBit	Spread included (~1%)	Free (SEPA)	Coin-based	All-in-one pricing, no surprises

For most Dutch users, Bitvavo and eToro provide the easiest and most cost-effective options. Bitvavo is ideal for low-cost spot trading in EUR. eToro simplifies the process by bundling fees into the spread.

Leverage and Derivatives Access

In the Netherlands, leverage on crypto trading is heavily restricted under EU/ESMA rules to protect retail investors from extreme losses. Most crypto brokers do not offer leverage on real asset purchases (spot trading), but some platforms provide crypto CFDs with limited leverage under strict regulation.

What’s allowed in 2025:

• Retail traders:
  • Max 1:2 leverage on crypto CFDs (e.g. BTC/USD)
  • Must trade via licensed brokers (e.g. eToro, IG)
  • Negative balance protection is mandatory
• Professional traders:
  • Higher leverage (up to 1:5 or more) possible after status upgrade
  • Requires proof of trading experience, large portfolio, or financial background

Differences between leveraged and non-leveraged trading:

Feature	Spot Trading (e.g. Bitvavo)	CFD Trading (e.g. eToro)
Asset ownership	Yes	No (derivative contract)
Leverage	None	Yes (up to 1:2 for crypto)
Custody	Wallet-based	Broker-held only
Overnight fees	No	Yes (daily interest charges)
Risk of liquidation	No	Yes (margin call applies)
Available in NL?	Yes	Yes, via EU-licensed brokers

If you want actual crypto ownership, use spot brokers like Bitvavo or Coinmerce. If you prefer to speculate on short-term price movements with small capital, platforms like eToro offer crypto CFDs with limited leverage, built-in stop losses, and margin alerts.

Best Crypto Brokers by category in the Netherlands 2025

The best crypto broker depends on your experience level, preferred features, and trading goals. Some platforms focus on ease of use and fiat support, while others prioritize asset variety, staking, or low fees. Below is a comparison based on common user types.

Best brokers by category:

• Best overall: Bitvavo – Local platform, low fees, wide coin selection
• Best for beginners: eToro – Simple interface, social trading, fiat onboarding
• Best for altcoin access: Coinmerce – 300+ assets, staking, advanced features
• Best for high-volume traders: Binance EU – Tight spreads, advanced tools
• Best for long-term holders: LiteBit – Clean interface, easy recurring buys

All brokers listed here accept EUR, support SEPA payments, and are either DNB-registered or EU MiFID-compliant.

If you’re just starting, eToro offers a gentle entry into crypto with intuitive design and optional demo trading. For those who want more depth or passive income via staking, Bitvavo and Coinmerce are the top choices.

How to Choose the Right Crypto Broker

Finding the right crypto broker in the Netherlands depends on your trading goals, technical knowledge, and need for features like staking or fiat support. While all regulated platforms offer a baseline of security and compliance, differences in fees, usability, and coin access can impact your overall experience.

Start by identifying whether you want to buy and hold, trade actively, or earn passive income through staking. Then assess which brokers best support those goals.

1. Regulation and security
Ensure the broker is registered with DNB or licensed under MiFID II. Check if they offer segregated client funds, strong encryption, and wallet security. Bitvavo, eToro, and Coinmerce meet all these standards.

2. Asset variety
If you want to trade only BTC and ETH, any major broker will work. For broader access (e.g. DeFi tokens, metaverse coins), platforms like Coinmerce and Binance EU are better suited.

3. Fees and deposit options
Compare both trading fees and fiat deposit methods. Bitvavo offers zero-fee SEPA/iDEAL deposits and very low trading commissions. eToro is transparent but slightly higher due to spread-based pricing.

4. Ease of use and platform features
Beginners often prefer clean dashboards, instant EUR conversions, and easy tax reporting. eToro and Bitvavo rank high in user experience. Coinmerce is more advanced but still beginner-accessible.

5. Extras like staking and recurring buys
If you want to grow holdings passively or automate purchases, make sure the broker supports these features. Both Coinmerce and Bitvavo have strong options for this.

Regulation and Crypto Licensing in the Netherlands

Crypto brokers operating in the Netherlands must comply with the Dutch Money Laundering and Terrorist Financing (Prevention) Act (Wwft) and register with De Nederlandsche Bank (DNB). Although this is not a full financial license, DNB registration ensures compliance with KYC, AML, and transaction monitoring requirements.

• DNB registration is mandatory for crypto service providers offering wallets or exchange services to Dutch residents.
• Platforms must verify user identity, monitor transactions, and report suspicious activity.
• As of 2025, the Markets in Crypto-Assets Regulation (MiCA) will introduce EU-wide licensing, enhancing protections and harmonizing rules.

While Dutch platforms like Bitvavo and LiteBit are already registered with DNB, many foreign brokers—such as eToro—operate under MiFID II licenses from other EU countries (e.g. Cyprus or Germany) and passport their services to Dutch clients legally.

Brokers who meet these regulatory standards offer better transparency, dispute resolution channels, and protection in case of platform failure or fund mismanagement.

Crypto Taxes in the Netherlands

In the Netherlands, cryptocurrencies are taxed under the Box 3 wealth tax system. You don’t pay capital gains tax on crypto profits, but you are required to declare the total value of your crypto assets as of January 1 each year. The Dutch tax authority (Belastingdienst) applies a deemed return on your net assets above a tax-free threshold.

Tax treatment of crypto in 2025:

• Tax category: Box 3 (income from savings and investments)
• Valuation date: January 1 (snapshot of total holdings)
• Tax-free allowance: €57,000 per individual / €114,000 per couple
• Declaration: Total wallet value in EUR (including broker-held crypto)
• No gains/losses reporting: Only total value matters
• Foreign wallets/brokers must be included in declaration

Example

If your combined crypto assets across Bitvavo, eToro, and private wallets are worth €25,000 on Jan 1, and you have no other taxable assets, no tax is due. But if your total assets exceed the exemption, a fixed return is applied, and a percentage of that is taxed—regardless of whether your portfolio gained or lost value later in the year.

Note: If you earn staking rewards, those are usually included in Box 3, not Box 1 (income). However, if you trade full-time or operate like a business, Box 1 rules may apply.