crypto12 review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Crypto12 is a Serbian mobile exchange and custodial wallet for people who want a regulated home for a handful of coins, not a long trading list. Taker fees of 0.95% to 2.4% sit well above the 0.25% seen across exchanges, and only 17 are listed.
Key facts
- Best for
- A licensed, small-coin mobile exchange for Serbian savers who want staking in one app.
- Taker fee
- 0.95% to 2.4%↗
- Coins listed
- 17↗
- Regulators
- National Bank of Serbia, Securities Commission of the Republic of Serbia↗
- Fiat deposit methods
- Bank↗
- Proof of reserves
- No↗
- Withdrawal fee
- 0.1% + blockchain network fee (crypto withdrawal); fiat payout 0.1%, min 33 RSD↗
- Derivatives
- No↗
- Exchange type
- Cex↗
- Legal entity
- Vescon d.o.o. Belgrade (Stari Grad), registration no. 21281565↗
- Headquarters
- Serbia↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Custodial, Staking
- Official website
- crypto12.com
Crypto wallets
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Regulated by National Bank of Serbia and Securities Commission of the Republic of Serbia, with both Serbian licences on record.
- Staking sits alongside the custodial wallet, and Fireblocks provides the secure element.
- Support runs on email, phone and help centre, so a phone line is available.
- The app is free, so the whole cost sits in the trade fee.
Cons
- Taker fees run 0.95% to 2.4%, against 0.25% to 1.99% at bunq and 1% at eToro.
- Only 17 coins are listed, so a wider basket means another provider.
- No proof of reserves is published and derivatives are unavailable.
Who it suits
- Serbian residents who want an exchange inside their own regulatory system, under National Bank of Serbia and Securities Commission of the Republic of Serbia.
- Holders of a small set of mainstream coins who want staking in the same app.
- People who want to phone a human, since email, phone and help centre includes a line.
Who should look elsewhere
- Fee-first readers: bunq's 0.25% to 1.99% starts below the 0.95% to 2.4% band here, and eToro charges 1%.
- Anyone weighing crypto earn costs against crypto12: Vivid Plus sits higher at 2.25%.
- People who need a broad token set, since derivatives are unavailable and only 17 coins are listed.
How crypto12 compares
8.5 vs 9.5
8.5 vs 9.3
8.5 vs 9.4
8.5 vs 9.4
8.5 vs 8.5
8.5 vs 9.4
8.5 vs 8.7
8.5 vs 9.2eToro charges a single rate of 1%, which sits inside the 0.95% to 2.4% band rather than above it.
8.5 vs 9.4
8.5 vs 8.7
8.5 vs 9.3
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 9.2
8.5 vs 9.0
8.5 vs 8.6
8.5 vs 8.3
8.5 vs 9.4
8.5 vs 9.4
8.5 vs 9.3
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8.5 vs 9.3
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8.5 vs 9.3
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8.5 vs 9.2
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8.5 vs 9.1
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 8.5
8.5 vs 8.4- 8.5 vs 8.0
Where crypto12 is available
- Available
- Serbia
- Licence in Serbia
- National Bank of Serbia (G. br. 12065 (16/12/2022)), checked September 26, 2026
- Licence in Serbia
- Securities Commission of the Republic of Serbia (9/1-101-3477/15-21), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does crypto12 charge per trade?+
Trading costs come to a taker fee of 0.95% to 2.4%, and the figure varies across the band rather than sitting at one rate. That is well above the 0.25% median for the exchanges listed here. The app carries no account or subscription charge.
How many coins can I buy on crypto12?+
The list is short at 17 coins, with 17 supported in total, which puts crypto12 near the bottom of exchanges on coin count. If you want a long list of tokens and pairs, this is not the venue for it. Staking is available on holdings, and the wallet is custodial.
Who regulates crypto12?+
Crypto12 sits under National Bank of Serbia and Securities Commission of the Republic of Serbia. The exchange holds a National Bank of Serbia licence, G. br. 12065 (16/12/2022), and a Securities Commission of the Republic of Serbia licence, 9/1-101-3477/15-21. Both are held in the name of Vescon d.o.o., a Belgrade company.
Is my crypto safe on crypto12?+
Custody here is custodial, so the provider holds the coins rather than you holding the keys, and Fireblocks provides the secure element for the wallet. No proof of reserves is published, so you cannot check from outside what is held for you. That matters more once balances are meaningful.
How do I pay in and take money out?+
Fiat deposits run through bank transfer, so you fund the account from a bank account rather than by card. Withdrawals are not free: crypto payouts add the blockchain network cost on top, and fiat payouts carry a minimum charge. Bear that in mind if you trade often.
What kind of account is it?+
It is a cex exchange with a mobile wallet attached, run by Vescon d.o.o. in Serbia. The wallet is custodial, so the platform looks after the keys, and staking is part of the package. The app itself is free, which keeps the cost in the trading fee.
Can I trade derivatives or margin here?+
No derivatives are offered, so this is a spot exchange rather than a leveraged venue. The list of 17 coins is what you can buy, sell and hold, and staking is the extra feature on top. Anyone wanting futures or margin products has to look at a different provider.
How do I reach crypto12 if something goes wrong?+
Support runs on email, phone and help centre, so you can call, email or lean on the help centre. A phone line is a real advantage in a market where email alone is common, since it matters when a withdrawal stalls. The help centre covers the basics before you write in.
Sources
- crypto12.com checked September 26, 2026
Backs: Custody, Secure element
- crypto12.com checked September 26, 2026
Backs: Exchange type, Features, Headquarters, Proof of reserves
“Crypto12 is a regulated crypto exchange in Serbia - buy and sell Bitcoin and other cryptocurrencies directly via your bank account”
- crypto12.com/en/faq checked September 26, 2026
Backs: Coins listed, Fiat deposit methods, Support channels, Withdrawal fee
“The Crypto12 app currently supports BTC, ETH, USDT, USDC, XRP, SOL, ADA, DOGE, LTC, AVAX, LINK, DOT, POL, XLM, TRX, TON and PAXG”
- crypto12.com/faq checked September 26, 2026
Backs: Coins supported, Price, Wallet type
“Crypto12 aplikaciju možete besplatno preuzeti putem Google Play-a i App Store-a.”
- crypto12.com/naknade checked September 26, 2026
Backs: Taker fee
“Promotional fee for individuals - residents 0.95% (first EUR 10,000 of monthly turnover), standard fee 2.4%”
- nbs.rs/sr_RS/ciljevi-i-funkcije/nadzor-nad-finansijskim-i... checked September 26, 2026
Backs: Derivatives, Legal entity, Regulators, Licences
“Authorised services: receiving, transferring and executing orders relating to the purchase and sale of virtual currencies for the account of third parties; exchange of virtual currencies; custody and...”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
crypto12
A licensed, small-coin mobile exchange for Serbian savers who want staking in one app.