northcrypto review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NorthCrypto is a Finnish crypto exchange for euro users who want a regulated, custodial account with a mobile wallet, rather than the cheapest trading costs. Trading costs 0.6% to 1% per trade, the licence is MiCA CASP 743700CHRVVP342JOA67, and the app is free at €0.
Key facts
- Best for
- A regulated Finnish crypto exchange with a free mobile app and cheap euro funding.
- Taker fee
- 0.6% to 1%↗
- Coins listed
- 260↗
- Regulators
- Finnish Financial Supervisory Authority (Fin-Finlands), Finanssivalvonta (FIN-FSA)↗
- Fiat deposit methods
- Bank, SEPA↗
- Withdrawal fee
- SEPA withdrawal 1.00 EUR; cryptocurrency withdrawal is a variable network transfer fee plus a small service fee↗
- Exchange type
- Cex↗
- Legal entity
- NorthCrypto Oy↗
- Headquarters
- Finland↗
- Founded
- 2018↗
- Support channels
- Email, Help-centre, Community↗
- Features
- Custodial, Staking
- Official website
- northcrypto.com
Crypto wallets
- Wallet type
- Mobile↗
- Price
- €0↗
- Custody
- Custodial↗
- Coins supported
- from 260↗
- Secure element
- Fireblocks MPC with secure enclaves (Intel SGX, AWS Nitro, HSMs), plus hot, hardware and multisig wallets↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Regulated in Finland, with both authorities named in Finnish Financial Supervisory Authority (Fin Finlands) and Finanssivalvonta (FIN FSA) and a MiCA licence, MiCA CASP 743700CHRVVP342JOA67.
- Keys sit in Fireblocks MPC wallets with secure enclaves, alongside hot, hardware and multisig wallets.
- The app is free at €0, and 260 coins are listed against a median of 71.5.
- Funding runs through a bank account or SEPA, per bank and sepa, which suits euro salaries.
Cons
- Trading costs of 0.6% to 1% sit above bunq's 0.25% to 1.99% and the comparison median of 0.25%.
- Help is limited to email, help centre and community, with no phone line listed.
- Crypto withdrawals add a variable network transfer fee and a small service fee on top of each trade.
Who it suits
- Euro-based customers who want to fund an account by bank transfer or SEPA, as bank and sepa sets out
- People who want custody and staking handled in one app, per custodial and staking
- Traders who put a regulated Finnish licence above the lowest trading fee
Who should look elsewhere
- bunq, if the trading fee decides it, since it charges 0.25% to 1.99%
- eToro, if a single flat 1% taker fee suits you better than a range
- Vivid Plus, if you want crypto earn rather than trading, since its fee is 2.25%
Safety of your money
NorthCrypto is supervised in Finland, and both the Finnish Financial Supervisory Authority and Finanssivalvonta appear in its regulatory information, given as Finnish Financial Supervisory Authority (Fin Finlands) and Finanssivalvonta (FIN FSA). Its crypto asset service provider licence is listed as MiCA CASP 743700CHRVVP342JOA67. The licence confirms the firm may operate, but it does not cover the value of your coins, and a median of 70.15% of retail money is lost across the comparison.
Fees and currency costs
Trading costs 0.6% to 1% on the standard account, which is above the comparison median of 0.25% and above bunq's 0.25% to 1.99%. Withdrawals add cost: a flat SEPA withdrawal fee, and on cryptocurrency a variable network transfer fee plus a small service fee. Budget for both legs when moving money in and out.
How northcrypto compares
8.8 vs 9.5
8.8 vs 9.3
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8.8 vs 9.2A flat taker fee of 1% suits traders who prefer one set rate to a range.
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Where northcrypto is available
- Available
- Finland
- Licence in Finland
- Finnish Financial Supervisory Authority (Fin-Finlands), checked September 26, 2026
- Licence in Finland
- Finanssivalvonta (FIN-FSA) (MiCA CASP 743700CHRVVP342JOA67), checked September 26, 2026, also valid in Finland, Norway, Sweden
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to trade on NorthCrypto?+
Trading costs 0.6% to 1% on the standard account, and the app is free at €0. That sits above bunq's 0.25% to 1.99% and close to eToro's 1%. Withdrawals are charged separately, so a full round trip costs more than the headline number.
Who regulates NorthCrypto?+
Both the Finnish Financial Supervisory Authority and Finanssivalvonta are named in its regulatory information, listed as Finnish Financial Supervisory Authority (Fin Finlands) and Finanssivalvonta (FIN FSA). Its MiCA crypto asset service provider licence is MiCA CASP 743700CHRVVP342JOA67, and the company behind the account is NorthCrypto Oy.
How do I put euros into the account?+
Fiat deposits use bank and sepa, so money arrives from a euro bank account or through SEPA. Card and mobile wallet funding are not listed among the deposit methods, which suits people who already bank in euros.
What does it cost to withdraw?+
SEPA withdrawals carry a flat fee set in euros, and a cryptocurrency withdrawal adds a variable network transfer fee plus a small service fee. Those charges sit on top of the 0.6% to 1% trading fee, so frequent movers pay more than occasional ones.
Is my money protected?+
The licence confirms the firm may operate, but it does not insulate crypto balances from price moves. Across the comparison the median share of retail losses is 70.15%, and holdings here are custodial, so NorthCrypto holds the coins rather than you.
How many coins can I trade?+
NorthCrypto lists 260 coins, above the comparison median of 71.5. Staking runs on the custodial account, as custodial and staking shows, so coins can earn while they sit in the app rather than needing a separate validator.
Is there an app, and can I reach a person?+
The account comes with a mobile wallet, so the main experience is a phone app. Help runs on email, help centre and community, which means email, the help centre or the community rather than a phone line.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=FI”
- northcrypto.com checked September 26, 2026
Backs: Exchange type
“The easiest way to buy, sell and store Bitcoin and other cryptocurrencies”
- northcrypto.com/assets checked September 26, 2026
Backs: Coins listed, Coins supported
“We offer Finland's largest cryptocurrency selection with over 260 currencies.”
- northcrypto.com/contact checked September 26, 2026
Backs: Support channels
“Have a question for us and didn't find the answer in the About section's Frequently asked questions? ... Send us a message and we'll get back to you as soon as possible.”
- northcrypto.com/custody-policy checked September 26, 2026
Backs: Secure element
“Secure Enclaves for Hardware Isolation - Protects private key shares using Intel SGX, AWS Nitro, and HSMs”
- northcrypto.com/fees checked September 26, 2026
Backs: Fiat deposit methods, Price, Taker fee, Withdrawal fee
“Deposits: Direct deposit via Trustly Free; SEPA deposit Free”
- northcrypto.com/learn/about/faq checked September 26, 2026
Backs: Wallet type
“We also offer mobile apps for both Android (Google Play & Huwaei AppGallery) and iOS (App Store).”
- northcrypto.com/learn/about/us checked September 26, 2026
Backs: Founded
“Northcrypto is a crypto-asset service provider (CASP) licensed by the Finnish Financial Supervisory Authority and founded in 2018 in Turku.”
- northcrypto.com/regulatory-information checked September 26, 2026
Backs: Regulators
- northcrypto.com/staking-service checked September 26, 2026
Backs: Features
“Northcrypto is responsible for the staking service, the client relationship, client communications, custody and control of assets, client-specific record-keeping, reward calculations”
- northcrypto.com/terms-of-service checked September 26, 2026
Backs: Custody
“The Company does not acquire any ownership rights over these Crypto-Assets but acts solely as a custodian on your behalf.”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
northcrypto
A regulated Finnish crypto exchange with a free mobile app and cheap euro funding.