Cheapest way to buy bitcoin in Europe (2026)
Paying in euro by SEPA transfer is the cheapest way to buy bitcoin in Europe. Exchanges with an order book (Bitvavo, Kraken, Bitstamp, Binance, OKX, Bybit) charge 0.1-0.8%. Broker apps (Relai, Pocket, Strike, Bitpanda) are simpler and can buy for you automatically every week, but cost about 1-1.5%.
Live: how much bitcoin you get for 500 EUR
| Provider | Type | Fee | You receive | Lightning | DCA | KYC |
|---|---|---|---|---|---|---|
| Binance | Exchange | 0.10% (0.50 EUR) | 0.00804575 BTC | ✅ | — | Required |
| Bitfinex | Exchange | 0.20% (1.00 EUR) | 0.00804055 BTC | ✅ | — | Required |
| OKX | Exchange | 0.15% (0.75 EUR) | 0.00804022 BTC | ✅ | — | Required |
| Bitvavo | Exchange | 0.25% (1.25 EUR) | 0.00803302 BTC | ✅ | — | Required |
| Bybit | Exchange | 0.10% (0.50 EUR) | 0.00802894 BTC | — | — | Required |
| Bitstamp | Exchange | 0.40% (2.00 EUR) | 0.00801921 BTC | ✅ | — | Required |
| Kanga Exchange | Exchange | 0.30% (1.50 EUR) | 0.00799069 BTC | — | — | Required |
| Kraken | Exchange | 0.80% (4.00 EUR) | 0.00798711 BTC | ✅ | — | Required |
| Relai | Broker / app | 1.00% (5.00 EUR) | 0.00797594 BTC* | — | ✅ | Required |
| Strike | Broker / app | 1.20% (6.00 EUR) | 0.00795983 BTC* | ✅ | ✅ | Required |
| Coinbase Advanced | Exchange | 1.20% (6.00 EUR) | 0.00795602 BTC | ✅ | — | Required |
| Bitpanda | Broker / app | 1.49% (7.45 EUR) | 0.00793226 BTC* | — | ✅ | Required |
| Kantor Kanga | Cash office | 1.00% (5.00 EUR) | 0.00792878 BTC | — | — | Low |
| Pocket Bitcoin | Broker / app | 1.50% (7.50 EUR) | 0.00792566 BTC* | ✅ | ✅ | Low |
| Gemini | Exchange | 0.40% (2.00 EUR) | 0.00792434 BTC | — | — | Required |
Prices update every minute. * Estimated from the market price plus the provider's published fee. Fees reviewed 2026-10. Some links are affiliate links; the ranking is always by bitcoin received.
Frequently asked questions
What is the cheapest way to buy bitcoin in Europe?
Usually a SEPA deposit to a low-fee exchange followed by a market buy. Check the live table above - the ranking includes trading fees and the cost of withdrawing to your own wallet.
Exchange or broker app - which should I use?
Exchanges are cheaper per trade but you place orders yourself. Broker apps like Relai or Pocket cost more but are built for buying a fixed amount every week or month (DCA) and often send coins straight to your own wallet.
Do I need to verify my identity (KYC)?
Regulated EU providers require identity verification. A few apps, such as Pocket, allow small amounts with minimal checks.
Should I leave my bitcoin on the exchange?
Moving it to a wallet you control is safer long-term. Lightning withdrawals are the cheapest way to move small amounts.