Best crypto exchanges in Finland

• 19 crypto exchanges with a verified licence serve residents of Finland: 19 serve under an EU passport.
• Top pick by Coinish Score: Coinbase (80/100, Editor Rating 4.1/5).
• Lowest order-book trading fee: 0.09% (Revolut).
• No minimum deposit: Trade Republic.

Ranked by Coinish Score: half the Editor Rating for the entity that serves residents of Finland, half Market Signal. Brokers without enough verified data for a rating are placed by Market Signal and labelled; brokers with neither are listed last. How we rate

Of the 19 crypto exchanges on this list, 5 serve Finland under a MiCA authorisation from FMA (Austria) (Bybit, KuCoin, Bitpanda and 2 more), 4 serve Finland under a MiCA authorisation from MFSA in Malta (Crypto.com, Gate, OKX and 1 more), 2 serve Finland under a MiCA authorisation from CSSF in Luxembourg (Coinbase and Bitstamp) and 2 serve Finland under a MiCA authorisation from CySEC in Cyprus (Revolut and eToro); 6 more are authorised by CBI, Bank of Lithuania, AFM, BaFin, CNMV and Bank of Latvia.

Base-tier spot taker fees on the order-book exchanges here run from 0.09% (Revolut) to 1.2% (Gemini). Apps without an order book charge a per-trade fee instead: eToro 1%, Paybis 1.49% and 21bitcoin 1.49%.

• Search the company name on the FIN-FSA register (finanssivalvonta.fi); for a firm licensed elsewhere, on its home regulator's register too (FMA (Austria), MFSA and CSSF for most of this list).
• Check which company your contract is with. Coinbase, for example, onboards residents of Finland through Coinbase Luxembourg S.A. (CSSF, MiCA CASP · LEI 984500F14CA4571AAC11), and the name on the account-opening documents should match the list.
• Confirm the exchange is an authorised CASP on ESMA's interim MiCA register, and that Finland is among the member states it has notified.

Yes, with a licensed provider. Since the MiCA transitional period ended on 1 July 2026, crypto platforms serving EU residents need MiCA authorisation as a crypto-asset service provider (CASP) in an EU member state. Finland ended its own transition a year early, on 30 June 2025. Since then only licensed crypto firms may actively offer and market their services there.

Sources: finanssivalvonta.fi, finanssivalvonta.fi

By Coinish Score, Coinbase (80/100, Editor Rating 4.1/5), through Coinbase Luxembourg S.A. (CSSF, MiCA CASP · LEI 984500F14CA4571AAC11). Revolut (78) and Crypto.com (76) follow. The score rates the company that would serve you in Finland, so the same brand can rank differently in another country.

On 30 June 2025, a year before most of the EU. Since then only crypto firms with a MiCA licence may actively offer and market their services in Finland. A firm still waiting for its licence can't start until it has one, and has to close down completely if it's refused. If the platform you used hasn't applied at all, the FIN-FSA suggests taking your assets out.

Source: finanssivalvonta.fi

Yes. A crypto-asset service provider authorised under MiCA in one member state can serve residents of the others once its home regulator has notified them. All 19 on this list reach Finland that way, most from Austria (5), Malta (4) and Luxembourg (2).

The home regulator supervises the exchange, and ESMA keeps the central register of authorised CASPs, so you can check any of them there.

Sources: esma.europa.eu, esma.europa.eu

Crypto held with an exchange is not covered by investor compensation schemes, so the exchange's own safeguards (segregated client assets, cold storage, proof of reserves) matter more than for a broker account.

Source: eiopa.europa.eu

Swapping crypto for euros, dollars or another coin creates a capital gain or loss, taxed as capital income. If you don't know what you paid, you can use a deemed acquisition cost instead: 20% of the selling price if you held the crypto for less than 10 years.

Coinish isn't a tax adviser: check your own situation with the tax authority or an accountant.

Source: vero.fi