CoinGate review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CoinGate is a custodial, centralised crypto exchange aimed at European buyers who want a regulated route into a mid sized coin list. It runs on a payment institution licence in Lithuania, and a taker fee of 1% on every trade is the number that shapes most decisions here.
Key facts
- Best for
- Buying and holding crypto in Europe through a licensed, custodial exchange.
- Taker fee
- 1%↗
- Coins listed
- 130↗
- Regulators
- MiCA (EU Markets in Crypto-Assets Regulation), Payment Institution License, Bank of Lithuania (LSC)↗
- Fiat deposit methods
- SEPA, Bank↗
- Withdrawal fee
- Free for crypto and SEPA; 0.50% for SWIFT↗
- Exchange type
- Cex↗
- Legal entity
- UAB Decentralized↗
- Headquarters
- Lithuania↗
- Founded
- 2014↗
- Support channels
- Help-centre, Email↗
- Features
- Custodial
- Official website
- coingate.com
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Regulated in Lithuania under a payment institution licence and a MiCA crypto asset service provider licence
- A taker fee of 1%, against a ranking median of 0.2%
- Free crypto and SEPA withdrawals, with SWIFT charged separately
- Fiat deposits run through sepa and bank, with a choice of 130 coins to trade
Cons
- The taker fee of 1% is well above the 0.2% exchange median
- Support runs on help centre and email only, with no phone line listed
- Custody sits with the exchange, since custodial applies to the account
Who it suits
- European buyers funding from a bank account or SEPA transfer
- Holders who prefer a licensed, custodial wallet to running their own keys
- Traders working with a mid sized coin list rather than a long tail of altcoins
Who should look elsewhere
- Cost sensitive active traders, who will find bunq easier on fees at a taker fee of 0.25% to 1.99%
- Anyone wanting phone support, since help centre and email lists neither
- Self custody users, because the account is custodial rather than a wallet you hold keys for
Safety of your money
CoinGate operates as a custodial centralised exchange, and the licence sits in Lithuania under the Bank of Lithuania. The regulators listed are MiCA (EU Markets in Crypto Assets Regulation), Payment Institution License and Bank of Lithuania (LSC), which places the firm inside the European framework rather than outside it. Its registered entity is UAB Decentralized, headquartered in Lithuania and founded in 2014. The licence reference is MiCA CASP 6488907MV9XAA08E4E40. Because the account is custodial, the exchange holds the keys rather than the customer.
Fees and currency costs
Trading costs a taker fee of 1% on each trade, above the exchange median of 0.2% and the 0.2% crypto median. On the money side, Free for crypto and SEPA; 0.50% for SWIFT covers what leaving the account costs. Fiat deposits run through sepa and bank, so funding is by bank or SEPA rather than card. Across exchanges on coins listed, CoinGate ranks 74 of 176.
How CoinGate compares
8.9 vs 9.5
8.9 vs 9.3
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.5
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2Lists coins starting at from 150, a longer list than CoinGate's 130.
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.5
8.9 vs 8.4- 8.9 vs 8.0
Where CoinGate is available
- Licence in Lithuania
- MiCA (EU Markets in Crypto-Assets Regulation), checked September 26, 2026
- Licence in Lithuania
- Payment Institution License, checked September 26, 2026
- Licence in Lithuania
- Bank of Lithuania (LSC) (MiCA CASP 6488907MV9XAA08E4E40), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does CoinGate charge to buy or sell crypto?+
CoinGate charges a taker fee of 1% on each trade. That is higher than the median taker fee of 0.2% across the exchanges on the site, so frequent trading costs more here than at a cheaper venue. The coin list is 130.
What does it cost to take money out?+
Withdrawals are Free for crypto and SEPA; 0.50% for SWIFT on CoinGate. Crypto transfers and SEPA withdrawals carry no charge, while SWIFT withdrawals are charged a percentage on top. That makes SEPA the cheaper route for pulling funds back to a bank account.
How is CoinGate regulated?+
CoinGate is authorised in Lithuania, with MiCA (EU Markets in Crypto Assets Regulation), Payment Institution License and Bank of Lithuania (LSC) on its licence record. The registered entity is UAB Decentralized, founded in 2014, and the licence reference is MiCA CASP 6488907MV9XAA08E4E40. It also holds a payment institution licence, so it operates inside the European regulatory frame.
Do I hold my own crypto keys?+
No. CoinGate is a custodial centralised exchange, and the custodial listed for the account means the exchange holds the assets rather than the customer holding keys. That suits people who want a standard account, but it is a poor fit for users who prefer self custody.
How do I fund the account with euros?+
Fiat deposits run through sepa and bank. Both SEPA and standard bank transfer are supported, which suits European account holders paying from an existing account. Card deposits are not listed among the methods, so a bank or SEPA transfer is the route in.
How many coins can I trade on CoinGate?+
CoinGate lists 130 coins for buying and selling, which is a mid sized selection rather than a long tail. On the same measure it ranks 74 out of 176 brands. Investors wanting a much longer list may look at eToro, which starts at from 150.
Who can I contact if something goes wrong?+
Support runs on help centre and email. There is a help centre and an email route, and no phone number appears among the listed channels. Anyone who needs to talk to someone on a call should weigh that before opening an account.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=LT”
- coingate.com checked September 26, 2026
Backs: Exchange type, Features, Founded, Regulators
“Custodial crypto payment processor and exchange”
- coingate.com/buy-and-sell checked September 26, 2026
Backs: Coins listed
“transactions across 130+ digital assets”
- coingate.com/contact-us checked September 26, 2026
Backs: Support channels
“Customer Support available 24/7 via support page and contact forms for various inquiries”
- coingate.com/pricing checked September 26, 2026
Backs: Taker fee, Withdrawal fee
“1% per transaction”
- coingate.com/supported-currencies checked September 26, 2026
Backs: Fiat deposit methods
“SEPA bank transfer for EUR, SWIFT for USD, EUR, and GBP”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
CoinGate
Buying and holding crypto in Europe through a licensed, custodial exchange.