Cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH) have become essential assets for investors across Europe. With increasing adoption, regulatory clarity, and financial integration, more Europeans are looking for secure, low-fee, and user-friendly platforms to buy digital assets. Whether you're a beginner or an experienced trader, choosing the right crypto exchange is crucial for a smooth and cost-effective experience.
This guide explores the 18 best cryptocurrency exchanges in Europe, evaluated based on fees, security, supported payment methods, ease of use, and customer support. We focus specifically on platforms that make it easy to buy Ethereum and Bitcoin with EUR deposits via bank transfer, credit card, or instant payment systems like Sofort and Giropay.
What to Look for in a European Crypto Exchange
Before diving into the list, it’s important to understand the key factors that define a high-quality exchange:
- Regulatory Compliance: The platform should be registered with financial authorities such as Germany’s BaFin or France’s AMF.
- Low Transaction Fees: Look for competitive trading and deposit/withdrawal fees.
- EUR Payment Options: Instant bank transfers, credit/debit cards, and SEPA support are essential.
- User Experience: A clean interface and mobile app improve accessibility.
- Security Measures: Two-factor authentication (2FA), cold storage, and insurance coverage protect your funds.
- Customer Support: Responsive service via live chat or email adds peace of mind.
Top 18 Crypto Exchanges to Buy Bitcoin and Ethereum in Europe
1. Kraken
Kraken is one of the most trusted exchanges globally, known for its strong security protocols and compliance with EU regulations. It offers direct EUR deposits via SEPA and supports instant purchases of Bitcoin and Ethereum using credit cards.
👉 Discover a secure platform with low fees and fast EUR deposits.
2. Binance
Despite regulatory scrutiny in some countries, Binance remains popular due to its vast selection of cryptocurrencies, advanced trading tools, and competitive fees. Binance EUR deposits are supported through multiple methods including credit cards and bank transfers.
3. Coinbase
Ideal for beginners, Coinbase provides a simple interface and educational resources. While fees are slightly higher than competitors, its reputation for security and ease of use makes it a go-to choice for new investors.
4. eToro
eToro stands out with its social trading features, allowing users to copy successful traders. It supports both Bitcoin and Ethereum purchases with zero commission on crypto trades (spread-based pricing).
5. Bitpanda
Based in Austria, Bitpanda is fully regulated in the EU and offers a smooth experience for German- and English-speaking users. It supports over 250 digital assets and allows recurring investments in BTC and ETH.
6. Crypto.com
With its intuitive app and attractive rewards program, Crypto.com has gained traction across Europe. Users can buy Ethereum and Bitcoin instantly using credit cards or bank transfers.
7. Nexo
More than just an exchange, Nexo offers instant crypto purchases alongside lending services. Its EU-based operations ensure compliance and fast EUR settlements.
8. OKX
OKX delivers high liquidity, advanced trading options, and low fees. It supports multiple EUR deposit methods and offers robust security features ideal for active traders.
👉 Access advanced trading tools with deep liquidity and fast execution.
9. Luno
Luno focuses on simplicity and security, making it suitable for long-term holders. It operates under MiFID regulations and offers straightforward buying options for BTC and ETH.
10. Bybit
Although newer to the European market, Bybit offers a powerful trading engine, leveraged tokens, and strong security infrastructure. It accepts EUR deposits via various payment rails.
11. KuCoin
Known as the “People’s Exchange,” KuCoin lists emerging altcoins but also supports major assets like Bitcoin and Ethereum. While not fully regulated in the EU, it remains accessible to European users.
12. Gemini
Founded by the Winklevoss twins, Gemini emphasizes security and transparency. It’s regulated in New York but serves European customers with full KYC compliance.
13. Bitstamp
One of the oldest exchanges in Europe, Bitstamp is headquartered in Luxembourg and offers reliable BTC/ETH trading with EUR pairs.
14. Upbit Europe (planned)
Though not yet launched, Upbit’s planned European expansion could bring South Korea’s largest exchange to EU investors—watch this space.
15. Zengo
A non-custodial wallet with built-in exchange functionality, Zengo lets users buy Bitcoin and Ethereum directly from their mobile device without managing private keys.
16. Exmo
Popular in Eastern Europe, EXMO supports EUR deposits and offers competitive rates for BTC and ETH trades.
17. Huobi Europe
With operations in Malta, Huobi provides a wide range of trading pairs and institutional-grade security.
18. Paybis
Paybis enables fast purchases using over 30 payment methods, including credit cards and Skrill, ideal for users seeking flexibility.
Best Payment Methods to Buy Crypto in Europe
Different exchanges support various ways to fund your account. Here’s how common options compare:
- SEPA Bank Transfer: Low or no fees; processing time: 1–3 business days.
- Credit/Debit Card: Instant purchase; higher fees (3%–5%).
- Sofort: Real-time bank transfer; available in Germany, Austria, and the Netherlands.
- Giropay: Fast German bank transfer; widely accepted.
- PayPal: Limited availability; growing adoption on platforms like eToro.
Frequently Asked Questions
Q: Is it legal to buy Bitcoin and Ethereum in Europe?
A: Yes, cryptocurrencies are legal across the European Union. Most countries regulate exchanges under AMLD5 and MiCA (Markets in Crypto-Assets) frameworks effective from 2025.
Q: Which exchange has the lowest fees for buying Ethereum?
A: Kraken and Bitpanda typically offer the lowest combined trading and deposit fees for EUR buyers. Always compare spreads during peak volatility periods.
Q: Can I buy Bitcoin anonymously in Europe?
A: Fully anonymous purchases are limited due to strict KYC (Know Your Customer) laws. However, some platforms allow small transactions without full verification.
Q: Are my crypto assets protected if an exchange fails?
A: Not all platforms offer insurance. Exchanges like Coinbase and Kraken provide partial cold storage insurance, but you should consider self-custody wallets for larger holdings.
Q: How long does it take to buy Ethereum with a bank transfer?
A: SEPA transfers usually settle within 1–3 business days. Instant methods like Sofort or Giropay complete within minutes.
Q: Can I set up recurring buys for Bitcoin or Ethereum?
A: Yes—platforms like Bitpanda, Coinbase, and Kraken support automated monthly or weekly purchases, helping you dollar-cost average into positions.
Final Tips for Buying Crypto Safely in Europe
- Always enable two-factor authentication (2FA).
- Withdraw large amounts to a personal hardware wallet.
- Monitor exchange regulatory status—some may restrict services based on country.
- Use limit orders instead of market orders during volatile periods to avoid slippage.
👉 Start trading today on a platform that combines speed, security, and low fees.
By carefully selecting the right exchange based on your needs—whether it’s low cost, ease of use, or advanced trading—you can confidently invest in Bitcoin and Ethereum from anywhere in Europe. With clearer regulations on the horizon and growing institutional involvement, now is an excellent time to enter the crypto market with informed decisions.