paymium review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paymium is a French custodial exchange for euro users who want to buy and hold a short list of major coins. The taker fee of 0.6% and a coin list of 1 make it a lean, deliberate choice rather than a wide marketplace.
Key facts
- Best for
- Holding a few major coins with card and SEPA deposits from France.
- Taker fee
- 0.6%↗
- Coins listed
- 1↗
- Regulators
- Autorité des Marchés Financiers (AMF)↗
- Fiat deposit methods
- Card, SEPA↗
- Maker fee
- 0.4%↗
- Withdrawal fee
- 0.99 EUR (SEPA bank transfer); crypto withdrawals charged at network fee↗
- Exchange type
- Cex↗
- Legal entity
- PAYMIUM SAS↗
- Headquarters
- France↗
- Founded
- 2011↗
- Support channels
- Email, Help-centre, Community↗
- Features
- Custodial
- Official website
- paymium.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Regulated in France by AMF and Autorité des Marchés Financiers (AMF), with a MiCA CASP licence
- Fiat deposits by card and sepa suit euro users
- Taker fee of 0.6% on spot trades
- Founded in 2011, a long trading record
Cons
- Only 1 listed, so the choice of assets is thin
- Support runs on email, help centre and community only, with no live chat or phone
- Crypto withdrawals are charged at the network fee, on top of trading costs
Who it suits
- Eurozone residents funding an account with card or SEPA
- Holders who custody coins with the exchange rather than in a self-custody wallet
- Long standing clients who value a regulated French operator
Who should look elsewhere
- Traders who want a wide coin list, where eToro or Vivid Plus fit better
- Anyone who needs live chat or phone support, since support runs on email, help centre and community only
- Self-custody users, as Paymium is custodial
Deposit protection
Paymium is supervised in France by AMF and Autorité des Marchés Financiers (AMF), and the legal entity is PAYMIUM SAS. Its registration is listed as MiCA CASP 969500D241WXU9J7MI33. Coins are held on a custodial basis, so the platform controls the keys rather than the account holder. The facts record the regulator and the licence; they do not state what any protection scheme covers.
How paymium 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 9.2A taker fee of 1% over a much wider asset list suits traders who need more than 1.
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 paymium is available
- Licence in France
- AMF, checked September 26, 2026
- Licence in France
- Autorité des Marchés Financiers (AMF) (MiCA CASP 969500D241WXU9J7MI33), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
How much does it cost to trade on Paymium?+
Trading costs 0.6% as the taker fee and 0.4% as the maker fee on spot orders. The maker fee is the lower of the two, so a patient limit order costs less than a market order. For comparison, the median taker fee across the site is 0.25%.
What are the withdrawal fees?+
Paymium charges a flat fee on SEPA bank transfer withdrawals, and crypto withdrawals are charged at the network fee on top of trading costs. Budget for an exit charge as well as an entry fee, and check the published withdrawal fee before you cash out, since network costs move with the chain.
Who regulates Paymium?+
Paymium is regulated in France by AMF and Autorité des Marchés Financiers (AMF), and its registered entity is PAYMIUM SAS. It appears in the European register of crypto asset service providers as MiCA CASP 969500D241WXU9J7MI33. The company is headquartered in France.
How do I deposit money into a Paymium account?+
Fiat deposits run through card and sepa, so you can fund the account by card or by SEPA transfer. Card funding is the quicker route for small amounts, while SEPA suits larger euro transfers and avoids card limits. Deposits are in euros, so no currency conversion sits between you and the trade.
How many coins can I buy on Paymium?+
The exchange lists 1, which places it far down the coins ranking at 168 out of 176 brands compared. The site median is 71.5 coins, so Paymium is built for holding major assets rather than for browsing long altcoin lists.
Is my crypto safe on Paymium?+
Paymium is custodial, so the exchange holds the keys rather than the account holder, and the account must be secured through the platform's own login. The overall score on SumCue is 1.1 out of ten, with the cost part at 1.8 and the offer part at 0.2.
Who should use Paymium?+
Paymium suits eurozone residents who want a regulated French exchange, simple card or SEPA funding, and custody handled for them. It suits a small holding of major coins rather than active trading. Readers wanting a long coin list or self-custody control should look at eToro or Vivid Plus instead.
How does Paymium compare on trading fees?+
Paymium's taker fee of 0.6% is higher than the site median of 0.25%, and it sits at 92 of 121 brands compared on that measure. Against the named alternatives, bunq runs 0.25% to 1.99% and eToro charges 1%.
Sources
- coingecko.com/en/exchanges/paymium checked September 26, 2026
Backs: Coins listed, Founded
“id=paymium; coins=1; pairs=1”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=FR”
- paymium.com checked September 26, 2026
Backs: Exchange type
“Buy, sell and exchange on a regulated French platform”
- paymium.com/aide checked September 26, 2026
Backs: Support channels
“If you no longer have access to your Paymium account, contact us at [email protected] ... Our support team is available Monday to Friday, 10am to 6pm. ... Follow our news and join the conversation on...”
- paymium.com/en/pricing checked September 26, 2026
Backs: Fiat deposit methods, Maker fee, Taker fee, Withdrawal fee
“Euro (SEPA bank transfer) Deposit fee Free ... Bank card transaction fees may be up to a maximum of 3.5%”
- paymium.com/en/security-and-compliance checked September 26, 2026
Backs: Features, Regulators
“98% of funds kept offline ... Audits and segregated funds”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.