Cryptocurrency has gone mainstream in Finland, and more Finns are exploring Bitcoin, Ethereum, and dozens of altcoins each year. Whether you’re a total beginner or an active trader looking for advanced tools, understanding what is cryptocurrency and choosing the right exchange is one of the most important decisions you’ll make.
In this guide, we’ll walk you through the best crypto exchanges available to Finnish users, explain fees, safety, deposit methods, and key features, and answer the most asked questions about buying, selling, and trading crypto in Finland.
Why This Guide Matters for Finland
Cryptocurrency investing isn’t just about picking a platform, it’s about understanding how exchanges operate under local and EU regulation. In Finland, crypto service providers must be registered with the Finnish Financial Supervisory Authority (FIN-FSA) and comply with anti-money-laundering (AML) and Know Your Customer (KYC) rules.
Additionally, after the rollout of MiCA (Markets in Crypto-Assets Regulation) across the EU, crypto exchanges serving Europeans (including Finns) must meet stricter transparency and compliance standards.
This means trading crypto in Finland is becoming safer and more structured — but you still need to pick the right exchange based on your goals.
How We Chose These Exchanges
To compile this list, we considered:
- Regulatory compliance – Is the platform accessible legally to Finnish users?
- Security features – Cold storage, insurance, proof-of-reserves, audits?
- Fiat support – Can you deposit and withdraw euros (EUR) easily?
- Fees – Trading, deposit, and withdrawal costs.
- Asset variety – How many cryptocurrencies are supported?
- Usability – Beginner friendliness vs. advanced tools.
Let’s explore the top exchanges you can use in Finland confidently.
Best Crypto Exchanges for Finland at a Glance
| Exchange | Supported Cryptos | Trading Fees | EUR Deposit Methods | Best For |
|---|---|---|---|---|
| Bybit | 2,300+ | ~0.1% | SEPA, Bank Transfer, Card, Apple/Google Pay | Overall Best |
| Kraken | 560+ | 0.16%/0.26% | SEPA, Card, PayPal | Security & Institutions |
| Uphold | 250+ | 0.8-1.2% | SEPA, Card, Apple/Google Pay | Beginners & Mult-Asset |
| Northcrypto | 260+ | ~1.0% | Bank Transfer | Local Finnish Option |
| OKX | 270+ | 0.08%/0.1% | SEPA, Card | Advanced Tools + DeFi |
| Gate | 3,500+ | 0.10%/0.20% | SEPA, Card, Crypto | Huge Asset Variety |
| Binance | 350+ | ~0.1% | SEPA, Card, P2P | Biggest Global Volume |
| Coinbase | 260+ | 0.05-0.60% | SEPA, Card | Easy & Trustworthy |
| Bitstamp | 100+ | 0.25-0.50% | SEPA, Card | European Reliability |
Stats are based on latest platform data and industry fees as of early 2026.
1. Bybit – Best Overall Choice for Finland
When you think about a balance of features, fees, security, and fiat support, Bybit often stands out — especially for Finnish traders. It’s one of the most popular exchanges in Finland, offering over 2,300 cryptocurrencies and plenty of trading options.
Why Choose Bybit?
Competitive fees (~0.1% spot trading)
Massive selection of tokens
Smart tools like copy trading, bots, and AI insights
Supports easy EUR deposits via SEPA and cards
Good For:
- Beginners & intermediates
- Traders who want a broad range of assets
- Users seeking automated trading tools
Fees & Costs:
- Spot trading: ~0.1%
- Derivatives: 0.01-0.06% for maker/taker depending on volume
- Deposit fees: Generally free for SEPA, card fees may vary
2. Kraken – Security & Reliability Focus
Kraken has built its reputation on industry-leading security, financial transparency, and institutional-grade trading features. Founded in 2011, it is one of the longest-running crypto exchanges in the world and is trusted by serious traders, institutions, and long-term investors for its strong regulatory compliance, proof-of-reserves audits, advanced order types, and commitment to protecting user funds.
Top Features:
Proof-of-Reserves checks
Margin trading and advanced order types
OTC services for high-volume traders
Weekly staking rewards
Fees & Costs:
- Maker: ~0.16%
- Taker: ~0.26%
- SEPA euro deposits supported
Best For:
- Security-conscious investors
- Intermediate and advanced traders
- Staking and professional tools
3. Binance – Volume, Variety & Low Fees
While not Finland-specific, Binance remains the world’s largest crypto exchange and is widely used by Finnish traders thanks to its support for euro deposits and extensive services.
Highlights:
Hundreds of listed coins
Low trading fees (~0.1% with reductions for BNB holders)
Staking, futures, margin, and savings products
P2P trading and mobile app
Be aware: Depending on your region, regulatory access and specific features may differ, so always check the terms before signing up.
4. Northcrypto – Finnish Exchange Built for Local Users
Northcrypto is a homegrown platform designed for Finnish residents — with Finnish customer support and a user experience tailored to the local market.
What Makes It Special:
Easy EUR bank transfers
Cold storage for safety
Simple monthly savings plans
Fees: ~1% per trade (may reduce with higher activity)
Good For: Beginners and long-term investors
5. Coinbase – Trusted & Beginner Friendly
Coinbase is globally known for its straightforward interface and strong compliance, making it one of the most accessible options for first-time crypto buyers.
Why People Like Coinbase:
Easy onboarding
Educational tools & rewards programs
Regulated in multiple regions
Note: Fees can be higher than average if you don’t trade large volumes or use advanced order types.
6. OKX – Advanced Tools & Web3 Access
If you’re into DeFi, NFTs, or want features beyond simple spot trading, OKX offers a rich ecosystem that goes beyond traditional exchanges.
Highlights:
- Access to Web3 wallet
- DeFi integrations
- Flexible staking and earning products
Fees:
Maker: ~0.08%
Taker: ~0.10%
Discounts for token holders
Great for tech-savvy users who want to explore more than just buying and selling.
7. Gate – Deep Liquidity & Huge Coin Selection
If you want access to thousands of tokens, Gate is a solid choice. It’s not Finland-specific, but its EU-compliant services are available to Finnish users.
Key Features:
3,500+ listed cryptocurrencies
Trading bots and copy strategies
Flexible earn products
Fees: ~0.1% maker / ~0.2% taker
Costs & Fees Overview
| Exchange | Spot Fee | EUR Deposit | Withdrawal | Other Costs |
|---|---|---|---|---|
| Bybit | ~0.1% | Free via SEPA | Network fees | Derivatives extra |
| Kraken | 0.16/0.26% | Free | Network fees | Pro tools optional |
| Binance | ~0.1% | Free/Varies | Network fees | Lower with BNB |
| Northcrypto | ~1% | Free | Network fees | Local support |
| Coinbase | 0.05-0.60% | ~€0.15 | Free/Varies | Higher for small trades |
| OKX | 0.08/0.10% | Free/Varies | Network fees | Discounted tiers |
| Gate | 0.10/0.20% | Free/Varies | Network fees | Volume discounts |
Fees change over time — always check the latest fee schedule before trading.
Safety Checklist: What to Look For
Security matters — especially in crypto. Here’s what every safe exchange should offer:
Cold Wallet Storage – Keeps the majority of funds offline
Two-Factor Authentication (2FA) – Protects login and withdrawals
Proof-of-Reserves – Verifies that the exchange holds what it claims
Regulatory compliance – Licensed and registered where required
Insurance or risk fund – Protects user assets in extreme events
Sticking with well-known, compliant exchanges (like Kraken or Coinbase) often means stronger protection. For instance, a survey shows that trustworthiness is the top factor for most traders when choosing an exchange — even above fees.
Crypto Tax Rules in Finland (Quick Overview)
Before you trade, it’s important to understand crypto taxation:
- Crypto profits are taxed as capital gains.
- The Finnish Tax Administration (Vero) treats crypto gains as taxable income.
- Capital gains tax is generally 30% up to €30,000 and 34% above that.
- Losses can offset gains if documented properly.
- Mining income is treated as earned income.
Always consult a tax professional for personalized advice.
Mobile Apps & UX: What to Expect
Most major exchanges offer intuitive mobile apps:
- Coinbase – Great for beginners with educational tools
- Binance & Bybit – Powerful for traders who want advanced features
- Northcrypto – Simple and local language support
Look for apps with real-time price alerts, portfolio tracking, and easy deposit/withdrawal flows.
FAQ – Finland Crypto Exchange Guide
Yes! Most major exchanges support EUR deposits via SEPA bank transfer or card payments, making it easy to buy crypto directly with your local bank.
Yes. Crypto providers operating in Finland must register with the FIN-FSA and comply with AML/KYC rules.
MiCA is an EU-wide regulatory framework for crypto that increases transparency and investor protection. It standardizes rules across member states, including Finland.
Some exchanges offer insurance or risk funds, but crypto isn’t covered by typical bank deposit insurance. Always check each platform’s safeguards.
Not necessarily. Many Finnish traders prefer security and trust over the absolute lowest fees.
Yes. DEXs are permissionless and can be accessed globally, but they require some crypto already and don’t support direct EUR deposits.
Report all gains, losses, and transactions with date, amount, and EUR value at the time — Vero expects accurate documentation.
Final Thoughts: Choose Wisely — Trade Confidently
Finland’s crypto scene is maturing fast thanks to strong regulation and a growing ecosystem. Whether you’re just starting or expanding your trading strategies, there’s a platform tailored to your needs:
- Beginners might love Coinbase or Northcrypto
- Experienced traders may lean toward Bybit, Kraken, or Binance
- Tech explorers may enjoy OKX’s DeFi and Web3 features
Always prioritize security, compliance, and ease of use alongside fees. With the right exchange and a solid understanding of tax requirements, you can confidently navigate the exciting world of cryptocurrency in Finland.
