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Finst review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Finst is a Dutch custodial exchange for people who trade often, paying taker fees of 0.15% and maker fees of 0.15% with no account charge at €0. A mobile wallet, euro payments by SEPA and bank transfer, and published proof of reserves round out a low-cost, tightly supervised setup.

Key facts

Best for
Low-cost spot trading and euro transfers across Europe.
Taker fee
0.15%↗
Coins listed
400↗
Regulators
Authority for the Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM)↗
Fiat deposit methods
SEPA, Bank↗
Maker fee
0.15%↗
Proof of reserves
Yes↗
Withdrawal fee
Crypto withdrawal: variable network fee + 2.50 EUR third-party cost per withdrawal; EUR fiat withdrawal free↗
Exchange type
Cex↗
Legal entity
Finst B.V.↗
Headquarters
Netherlands↗
Support channels
Email, Chat, Phone, Help-centre, Community↗
Features
Custodial, Staking
Official website
finst.com

Crypto wallets

Wallet type
Mobile↗
Price
€0↗
Custody
Custodial↗
Coins supported
from 400↗
Secure element
MPC custody with hardware isolation↗
Open source
No↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataTrustpilotLinkedInX

Pros and cons

Pros

  • Trading fees of 0.15% to take and 0.15% to make a position.
  • No account charge: the account price is €0.
  • Proof of reserves is published and custody uses MPC custody with hardware isolation.
  • Support runs on email, chat and phone.

Cons

  • Crypto withdrawals carry a variable network fee plus a third-party cost per withdrawal, though euro withdrawals are free.
  • Custody is custodial, so the platform holds the coins rather than you.
  • The wallet is mobile and the code is not open source.
Finst

Ready to try Finst?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Europe-based traders who fund and withdraw euros by bank transfer or SEPA.
  • Holders who want staking and a phone support line in the same app.
  • People who want a regulated Dutch operator publishing proof of reserves.

Who should look elsewhere

  • eToro, at a taker fee of 1%, for anyone who wants a wider asset mix than crypto and will pay more for it.
  • bunq, with taker fees of 0.25% to 1.99%, for people who want crypto inside an existing bank.
  • Vivid Plus, at 2.25%, for anyone who puts rewards ahead of low trading costs.

Safety of your money

Finst lists the Authority for the Financial Markets (AFM) and the Netherlands Authority for the Financial Markets (AFM) as its regulators, with entries under 41000015 and MiCA CASP 724500UI8UD7HKGVJX65. The exchange also publishes proof of reserves, so the holdings behind customer balances can be checked rather than taken on trust.

Where it sits among rivals

Finst places 39 of 176 brands on the number of coins listed, and 54 of 121 on the taker fee. Trading costs sit at the cheaper end of the exchanges compared, while the coin list lands mid field. For anyone trading often, the fee ranking matters more than the raw coin count.

How Finst compares

Where Finst is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland
Licence in Netherlands
Authority for the Financial Markets (AFM) (41000015), checked September 26, 2026
Licence in Netherlands
Netherlands Authority for the Financial Markets (AFM) (MiCA CASP 724500UI8UD7HKGVJX65), checked September 26, 2026, also valid in Netherlands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does it cost to trade on Finst?+

Trading costs are the same on both sides: taker fees of 0.15% and maker fees of 0.15% on every trade. There is no account charge, with the account price listed as €0, so the trading fee is the main cost to watch when you buy or sell.

Is my money safe at Finst?+

Finst lists Authority for the Financial Markets (AFM) and Netherlands Authority for the Financial Markets (AFM) as its regulators in the Netherlands, and its licence entries sit under 41000015 and MiCA CASP 724500UI8UD7HKGVJX65. The exchange also publishes proof of reserves, so the assets backing balances can be checked.

Who holds the coins I buy?+

Custody is custodial, so the platform holds the coins rather than a key on your own device. Finst describes the arrangement as MPC custody with hardware isolation. If holding your own keys matters to you, this setup is not the one.

How do I add euros and take money out?+

Fiat deposits run through sepa and bank, so funding runs by bank transfer rather than card. The account is operated by Finst B.V. in the Netherlands, and euro withdrawals carry no withdrawal fee, while crypto withdrawals pick up a network fee.

How many coins are listed and can I stake them?+

Finst lists 400 coins, a wide catalogue for a euro exchange. Staking is offered on holdings alongside custodial custody, so balances can earn without being moved to another provider or wallet.

Which platforms can I use?+

The wallet is mobile, so the phone app is the main way in, and the code is not open source. Anyone who wants a desktop or hardware setup for long-running positions will look elsewhere.

How do I get help?+

Support runs on email, chat and phone, so a phone line sits alongside chat, email, a help centre and a community. Live options help when a trade or a withdrawal needs explaining quickly.

Does a low fee make crypto trading safer?+

Across the listings compared here, retail losses sit at a median of 70.15% and the upper quartile at 74.5%. A low trading fee cuts the cost of each trade, but it does not reduce the chance of losing a position.

Sources

  • esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “ae_homeMemberState=NL”

  • finst.com checked September 26, 2026

    Backs: Coins supported, Custody, Price, Wallet type

    “Buy & sell 400 cryptos with ultra-low fees”

  • finst.com/en checked September 26, 2026

    Backs: Coins listed, Proof of reserves, Regulators, Support channels

    “Invest in 400+ cryptocurrencies 24/7”

  • finst.com/en/company checked September 26, 2026

    Backs: Exchange type, Open source

    “Finst is an Amsterdam-based cryptocurrency exchange”

  • finst.com/en/fees checked September 26, 2026

    Backs: Fiat deposit methods, Maker fee, Taker fee, Withdrawal fee

    “iDEAL, Bancontact, instant SEPA bank transfer”

  • finst.com/en/security checked September 26, 2026

    Backs: Secure element

    “Your crypto-assets are held using the latest custody technology with hardware isolation to secure your assets from external attacks, internal collusion and human error.”

  • finst.com/en/staking checked September 26, 2026

    Backs: Features

    “Earn up to 10% per year by staking your crypto with Finst. No lock-up period. Get rewarded weekly.”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Finst

Finst

Low-cost spot trading and euro transfers across Europe.

9.2/10See alternatives