Best Crypto Exchanges in the Netherlands

Best Cryptocurrency Exchanges in the Netherlands

Our team has evaluated the 23 crypto platforms operating in the Netherlands, paying close attention to their adherence the De Nederlandsche Bank (DNB) regulations. Our evaluation focused on essential factors such as transaction fees, the range of cryptocurrencies, platform usability, and EUR deposit options. Below is a list of the top 5 options for Dutch investors.

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1. Kraken

Kraken is the top crypto exchange in the Netherlands as it provides a Dutch interface and facilitates EUR deposits from local bank accounts. It is home to over 10 million users and has an impressive quarterly trading volume of $250 billion. Users can trade over 280 digital currencies on spot and futures markets with up to 5x leverage.

It is committed to transparency and regularly undergoes external audits to prove that users' funds are held on a 1:1 basis. Kraken also allows users to earn a passive income with staking opportunities as high as 28% APY on 30 tokens. Additional services include Kraken Pro, an OTC desk, NFT trading, Kraken Wallet and more.

• Fees: Maker fees are 0.01%, taker fees are 0.02% for futures, and spot trading is 0.1%.
• Supported Assets: Over 280 spot markets and 100 futures contracts.
• Regulation & Licensing: Registered as a Virtual Asset Service Provider (VASP) with the De Nederlandsche Bank (DNB) (Registration No. R194010).‍
• EUR Deposit Options: SEPA transfer, debit card, credit card, and bank wire.

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2. eToro

eToro is a multi-asset trading platform that appeals to Dutch investors looking to diversify their portfolios. It supports cryptocurrencies and over 4,500 traditional assets like stocks, ETFs, and commodities. Founded in 2007, it has become one of the largest exchanges in Europe and provides a multilingual interface that can be used in Dutch and English. 

The platform provides unique features, including social trading, which allows users to copy the trades of successful investors, plus a demo account where customers can practice trading strategies without risking real money. It is committed to global regulatory compliance, holds multiple licences in Europe, and is registered with the DNB.

• Fees: eToro uses a variable spread fee model, generally around 1%.
• Supported Assets: More than 4,500 cryptocurrencies, commodities, ETFs and stocks.
• Regulation & Licensing: eToro (Europe) Ltd is listed in De Nederlandsche Bank (DNB) public register as a crypto service provider.‍
• EUR Deposit Options: SEPA, iDEAL, bank transfers, Sofort, and debit or credit cards.

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3. Bybit

Bybit is a great option for Dutch traders interested in derivatives, supporting over 1,400 digital assets for futures, spot, and options trading. Traders can access leverage up to 200x on select contracts and have deep liquidity across its trading pairs. Apart from its trading, it provides other features such as staking, lending, and borrowing services. 

There are additional features, such as copy trading, that allow users to earn passive income or replicate the strategies of top traders. The platform also offers additional tools like a demo account, trading bots, and its proprietary trading strategies via TradeGPT. Home to over 45 million customers, it can be used in Dutch and provides live support in the language.

• Fees: Maker fee of 0.02% and a taker fee of 0.055% for futures and 0.1% for spot trading.
• Supported Assets: 1,400 digital assets.
• Regulation & Licensing: Supervised by the De Nederlandsche Bank (DNB).‍
• EUR Deposit Methods: SEPA transfers, debit cards, credit cards, bank transfers, and Wise.

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‍4. OKX

OKX is perfect for those who want exposure to decentralized finance (DeFi) services. The OKX Wallet is a self-custodial wallet that gives you control over your assets while also allowing easy interaction with DApps on over 100 blockchains. The platform lets you trade more than 350 cryptocurrencies on spot and futures.

The NFT marketplace lets you mint and trade digital collectibles with zero fees. OKX’s integration with Web3 is a big draw, connecting users to over 1,000 DeFi products for yield farming, token swaps, and rewards. The exchange is powered by its native token, OKB Coin, which gives holders exclusive perks like reduced trading fees.

• Fees: Maker fee 0.08%, taker fee 0.1%.
• Supported Assets: Over 350 cryptocurrencies.
• Regulation & Licensing: Compliant globally, pending full approval in the Netherlands.
• EUR Deposit Methods: SEPA transfers and credit/debit cards.

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5. Bitvavo

Bitvavo is based in Amsterdam and is the largest Dutch crypto exchange, with over 1.5 million registered customers and a monthly trading volume of $10 billion. You can trade over 300 digital assets with fees ranging from 0% to 0.25%. Plus, it offers staking, where you can earn up to 15% APY on 100 digital currencies.

Fully registered with De Nederlandsche Bank (DNB), Bitvavo provides a compliant trading environment. It manages assets in excess of $250 million, demonstrating its substantial capacity. The exchange adheres to stringent industry compliance standards, enhancing user trust with an account guarantee that covers up to €100,000 against unauthorized access.

• Fees: 0% to 0.25% trading fees.
• Supported Assets: 300+ cryptocurrencies.
• Regulation & Licensing: Fully registered with De Nederlandsche Bank (DNB).
• EUR Deposit Methods: SEPA transfers, credit cards, debit cards, and iDEAL.

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Is Crypto Regulated in the Netherlands?

Yes, cryptocurrency is regulated in the Netherlands, with oversight primarily handled by the Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB). The DNB ensures that crypto service providers adhere to strict anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. 

While new laws are still being implemented, the European Union’s Markets in Crypto Assets Regulation (MiCAR) is set to introduce enhanced protections for users. Currently, crypto exchanges and wallet providers must register with DNB to operate legally, ensuring a level of security for consumers. 

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How is Crypto Taxed in the Netherlands?

In the Netherlands, cryptocurrencies are treated as assets, and any profits or holdings must be declared for tax purposes. Dutch residents are required to report their crypto holdings as part of their annual wealth tax under Box 3 of the Dutch income tax system. 

The Dutch tax authority, Belastingdienst, does not currently impose taxes on crypto transactions unless they are part of a business activity or trading at a professional level. In such cases, income generated from crypto could fall under Box 1 as earnings from business or employment. 

Cryptocurrency adoption is picking up speed in the Netherlands, with revenues expected to hit $400.3 million in 2024. By 2025, around 5.64 million people, about 32% of the population, are projected to be using crypto. Dutch businesses and individuals are embracing digital assets at a steady rate.

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How to Buy Bitcoin in the Netherlands

Buying Bitcoin through a cryptocurrency exchange in the Netherlands is a safe and easy process. Here's a quick guide to help you get started:

1. Set Up an Account: Choose a reputable crypto exchange that supports euro (EUR) deposits and is registered with De Nederlandsche Bank (DNB). Sign up and complete the ID verification process by uploading your identification and proof of address.
2. Deposit Euros: Once your account is verified, navigate to the deposit section, select EUR, and enter the amount you want to invest. Most exchanges allow you to fund your account via bank transfer, iDEAL, or credit/debit card.
3. Find Bitcoin: Head over to the trading section and search for Bitcoin (BTC). You'll see the current price for the EUR/BTC pair. You can place a market order to buy instantly or set a limit order if you're waiting for a specific price.
4. Make Your Purchase: After confirming the amount and reviewing any associated fees, hit 'buy' to complete your transaction.

You're now ready to start your Bitcoin journey in the Netherlands, where crypto adoption continues to grow under a regulated environment.

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Bottom Line

In conclusion, crypto is taking off in the Netherlands, with around 32% of the population expected to use digital assets by 2025. Dutch traders can choose from top exchanges like Kraken, eToro, Bybit, OKX, and Bitvavo, all of which are regulated by the De Nederlandsche Bank (DNB) and support local EUR deposit methods.