Best Crypto Exchanges in Finland
Explore the top five platforms for buying and trading cryptocurrency in Finland, and understand their features and benefits.
Summary: In Finland, the optimal strategy to purchase and trade Bitcoin and other digital assets is via a cryptocurrency exchange conforming to the standards laid down by the Bank of Finland and Finnish Financial Supervisory Authority (FIN-FSA). Investors can utilise SEPA transfers, credit cards, or various other methods to deposit Euros (EUR) and buy, maintain, and exchange cryptocurrencies in alignment with Finnish legal frameworks.
Our team has scrutinized the top 5 cryptocurrency platforms in Finland to assist you in commencing your exploration of the digital asset world. These platforms exemplify the most trustworthy options available:
- eToro - Best Crypto Exchange in Finland
- Uphold - Best Alternative Exchange in Finland
- Kraken - Best for Institutional Crypto Investors
- Bybit - Best Derivatives Crypto Exchange
- Northcrypto - Best Finnish Crypto Exchange
Top Crypto Trading Platforms in Finland
Following a careful review of more than 15 cryptocurrency exchanges, we have pinpointed the leading platforms for Finnish investors. Our approach takes into account essential criteria such as adherence to the Bank of Finland and Finnish Financial Supervisory Authority (FIN-FSA) guidelines, the diversity of accessible digital assets, the user interface, Euro deposit procedures, transaction costs, and other facets to deliver a precise assessment of these platforms.
1. eToro
eToro is the top overall crypto platform in Finland, offering investors the ability to trade a diverse range of asset classes, such as cryptocurrencies, stocks, commodities, currencies, indices, and ETFs. Its innovative social trading features, including Copy Trading, and a Virtual Account that enables users to practice trading with up to €100K in virtual funds, make eToro the best overall cryptocurrency exchange for investors looking for a comprehensive and user-friendly trading experience.
The platform is our top recommendation for Finnish investors because they provide quick and affordable Euro (EUR) deposits via SEPA Transfer, Finnish online banking services, Debit Card, and other popular methods. They also boast industry-leading fees with zero upfront commissions and competitive spreads.
- Fees: Zero up-front commissions with a variable spread that averages at around 1% per trade.
- Supported Assets: 70+ cryptocurrencies, 3000+ stocks, 18 indices, 27 commodities, 49 fiat currencies, and 300 ETFs.
- Regulation & Licensing: CySEC, FinCEN, the FCA, the DNB and more.
- EUR Deposit Methods: Bank Transfer, SEPA Transfer, Credit/Debit Card, PayPal, and Sofort.

2. Uphold
Based in London, Uphold has earned its place as the second-most notable cryptocurrency exchange in Finland, boasting an impressive selection of over 250 digital assets available for purchase, trading, and staking on their platform, regulated by the FIN-FSA. Serving as a worthy contender to eToro, Uphold enables quick and cost-efficient EUR deposits via a range of methods including Bank Transfer, Debit Card, and Credit Card.
We have ranked Uphold as the prime choice following eToro in Finland, principally due to their unique position as one of the few exchanges offering audited proof-of-reserves. This guarantees they present real-time data, demonstrating how they protect customer funds and confirming that they are always fully backed on a 1:1 basis. Such openness elevates them among the most secure and trusted exchanges in the country. Moreover, their staking options provide an appealing opportunity for investors to generate yield on their assets.
- Fees: Deposits and withdrawals are free, except card deposits which have a 2.49% fee. Spreads are 1.5% on average.
- Supported Assets: 250+ cryptocurrencies.
- Regulation & Licensing: Regulated by the FCA (Financial Conduct Authority), and approved to operate in Finland.
- EUR Deposit Methods: Bank Transfer, Credit/Debit Card, SEPA, Google Pay & Apple Pay.

3. Kraken
Kraken claims the spot as the third best cryptocurrency exchange in Finland, featuring a comprehensive range of over 200 digital assets for acquisition, trading, and staking on their platform, which complies with the Finnish Financial Supervisory Authority (FIN-FSA) regulations. As a strong alternative to eToro and Uphold, Kraken enables speedy and economical EUR transactions via various methods, including Bank Transfer, Debit Card, and Credit Card.
We've positioned Kraken as the preferred choice following Uphold in Finland, primarily due to their advanced security measures, such as Cold Storage and Two-Factor Authentication, ensuring a high level of fund security. Notably, Kraken stands out for its appeal to institutional investors, boasting deeper liquidity and a leading Over-the-Counter (OTC) trading desk. This makes them an excellent option for large volume trades, thus strengthening their standing as one of the most reliable exchanges in the country for both individual and institutional investors.
- Fees: Free EUR deposits and withdrawals and 0.26% trading fees with 1% spreads.
- Supported Assets: 400+ cryptocurrencies.
- Regulation & Licensing: Regulated by the Financial Conduct Authority (FCA) and fully available in Finland.
- EUR Deposit Methods: Bank Transfer, SEPA, Credit/Debit Card, Maestro, Google Pay, Wise & Zen.

4. Bybit
Bybit stands out as the fourth-leading cryptocurrency exchange in Finland, acclaimed for its extensive portfolio of over 770 crypto assets, derivative trading functionalities, advanced trading tools, and diverse order types. It offers an intuitive interface, instant transactions, competitive fees, and free EUR deposits via bank transfer and credit cards.
Bybit holds its ground as the go-to platform for derivatives and futures trading in Finland, due to its substantial liquidity and impressive leverage offering of up to 25x. It further enhances its offerings with staking services and crypto loans, enabling users to lend, borrow, and earn yields. Driven by innovation and a steadfast commitment to user satisfaction, Bybit continuously solidifies its standing as a significant force in Finland's cryptocurrency market.
- Fees: Free EUR deposits and a 0.1% trading fee with 0.5% spreads.
- Supported Assets: 770+ cryptocurrencies.
- Regulation & Licensing: Not regulated in Finland, but available to Finnish investors.
- EUR Deposit Methods: Bank Transfer, Debit Card and Credit Card.
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5. Northcrypto
Recognised as the fifth foremost cryptocurrency exchange in Finland, Northcrypto is renowned for its user-friendly platform and strict adherence to the regulations set by the Finnish Financial Supervisory Authority (FIN-FSA). It offers seamless transactions and multiple methods for depositing Euros for free, such as bank transfers.
While Northcrypto's selection of digital assets is concise, offering only Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Chainlink (LINK), Aave (AAVE), Polygon (MATIC), USD Coin (USDC), and ApeCoin (APE), its direct registration with the FIN-FSA signifies a strong compliance focus. However, users should note Northcrypto's steep trading costs, including a 1% transaction fee and an additional 1% price spread. Despite this, its dedicated attention to the Finnish market reinforces its significance within the country's cryptocurrency landscape.
- Fees: Trading fees are 1% and another 1% average in spreads. EUR deposits are free.
- Supported Assets: 8 cryptocurrencies.
- Regulation & Licensing: Regulated by the Finnish Financial Supervisory Authority.
- EUR Deposit Methods: Bank Transfers only.

Is Buying Crypto Legal in Finland?
Yes, it is completely legal to buy and sell cryptocurrency in Finland. Cryptocurrency exchanges are regulated by the Finnish Financial Supervisory Authority (FIN-FSA) and must comply with current regulations in order to operate legally.
In addition to the FIN-FSA regulations, crypto transactions in Finland are subject to the same anti-money laundering (AML) compliance requirements as other financial services. As a result, any company offering digital currency services must have a license from the FIN-FSA or applicable foreign authorities.
How to Buy Crypto in Finland
If you're venturing into digital currencies in Finland, here's a concise five-step guide for your first Bitcoin or other cryptocurrency purchase:
- Select a regulated platform: Pick a cryptocurrency exchange regulated by the Finnish Financial Supervisory Authority (FIN-FSA) or the European Securities and Markets Authority (ESMA) for reliability.
- Set up and authenticate your account: Register on the chosen exchange with your email, create a strong password, and complete the Know Your Customer (KYC) procedure, which usually requires personal identification and a proof of address in Finland.
- Fund your account: Deposit Euros (EUR) to your account. Most exchanges support various deposit methods including SEPA transfers, instant bank transfers, or debit/credit cards.
- Purchase cryptocurrency: Decide on the type and amount of cryptocurrency you want to buy, provide the necessary details, and confirm the transaction.
- Safeguard your investment: For security, transfer your cryptocurrency to a private, secure wallet instead of leaving it on the exchange.
Following these steps and opting for a trustworthy, regulated exchange ensures a secure and legal cryptocurrency purchase in Finland.
The Bottom Line
In conclusion, whether you're a beginner or an experienced trader, finding the right cryptocurrency platform can shape your journey in the digital asset world. Our review has identified eToro, Uphold, Kraken, Bybit, and Northcrypto as the leading cryptocurrency exchanges in Finland, based on their conformity to regulations, range of supported assets, deposit methods, fees, and other essential factors.
Remember, it's completely legal to buy and sell cryptocurrencies in Finland, with exchanges regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The choice of your platform should also depend on the specific needs you have, whether it's social trading, derivatives, high liquidity, or a straightforward, user-friendly interface.