25 cents to trade, 1.31 euros to withdraw: the Bitvavo fees on 100 euros of Bitcoin

A purchase of 100 euros on Bitvavo costs 25 cents according to the fee table. Move the coins to your own wallet afterwards and with Bitcoin you pay another 1.31 euros. The second item is therefore more than five times the first, and it appears in no advertising banner. For this article we recorded every one of the provider's cost items separately on 15 October 2026 and converted them into euros for the largest trading pairs.

The Bitvavo fees consist of four items, and only one of them is usually quoted. Ranked by weight, the order at small amounts is exactly the reverse of the order in which the items are advertised.

Four items that add up on a 100 euro purchase

The first item is the trading fee, a percentage of the order volume. The second is the spread, the distance between the best bid and the best ask in the order book; it is not charged as a fee but it worsens the price. The third is the withdrawal fee, charged when the coins leave the house. The fourth is the deposit and withdrawal in euros.

On 100 euros in Bitcoin the arithmetic looks like this: 25 cents trading fee, a spread in the range of ten-thousandths of a percent, 1.31 euros for the withdrawal to your own address and zero euros for the SEPA transfer. Together 1.56 euros, or 1.56 percent of the stake. Leave the coins where they are and you pay only the 25 cents.

What separates a taker order from a maker order

A maker order places an offer of your own in the order book and waits until somebody takes it. A taker order reaches straight for an existing offer and is charged more for it. Every purchase at the current price through the buy button is a taker order, and every limit order set away from the market price is usually a maker order.

The trading fee: 0.15 percent for maker orders, 0.25 percent for taker orders

For the entry tier several German comparison sites consistently quote 0.15 percent for maker and 0.25 percent for taker orders, among them capitalo.de, misscrypto.de and kagels-trading.de. On 100 euros that works out at 15 and 25 cents respectively. For the normal case, an immediate purchase at the market price, the higher rate applies.

Above the entry tier a sliding scale based on trading volume over the past 30 days takes effect. Its tiers diverge between the comparison sites, and there is a section of its own on that below. For amounts on the order of 100 euros it is irrelevant: in every account the first tier only begins at 100,000 euros of monthly volume.

For a sense of scale at a competitor: for Bitpanda we worked out on 1 October 2026 how much of the stake the spread in the purchase price consumes. There the price sits inside the quote instead of in a disclosed fee, which is why comparing two providers only becomes meaningful once both items stand side by side.

The spread in the order book: measured at 0.0005 to 0.0192 percent

A great deal is claimed about the spread and little of it measured. On the night of 15 October 2026 we read off the distance between the best bid and the best ask for the four largest euro pairs and related it to the mid price.

• Ethereum against the euro: 0.0005 percent, a gap of one cent at a mid price of 2,158.07 euros.
• XRP against the euro: 0.0008 percent, a gap of one hundred-thousandth of a euro.
• Bitcoin against the euro: 0.0014 percent, a gap of one euro at a price of 72,835 euros.
• Dogecoin against the euro: 0.0192 percent and thus the widest of the four, in absolute terms still a fraction of a cent.

Applied to 100 euros of Bitcoin, 0.0014 percent comes to about 0.14 cents. So on these pairs the spread is not the item that decides the cost. What was measured is a single snapshot in a quiet trading hour; in fast markets, and on orders larger than the best offer in the book, the gap widens. For exactly that, order book depth is a better yardstick than the spread alone.

The withdrawal fee per coin: 28 cents for Dogecoin, 1.31 euros for Bitcoin

Here sits the item that makes the difference at small amounts. Bitvavo discloses a fixed withdrawal fee for each of the 482 crypto assets it lists, denominated in the respective coin unit. Converted at the prices of 15 October 2026, that gives the following for the four largest euro pairs:

• Bitcoin: 0.000018 BTC, about 1.31 euros at a price of 72,840 euros.
• Ethereum: 0.00033 ETH, about 0.71 euros at a price of 2,160.60 euros.
• XRP: 0.34 XRP, about 0.40 euros at a price of 1.19 euros.
• Dogecoin: 3.9 DOGE, about 0.28 euros at a price of 0.07292 euros.

The most expensive move therefore costs 4.6 times the cheapest, and that at an identical value. Measured against 100 euros, the Bitcoin withdrawal at 1.31 percent is the single largest item in the whole exercise. At the minimum order of five euros it would be 26 percent. Ten of the 482 crypto assets can be withdrawn without a fee according to the provider's table, among them Neo, Theta and Mina.

A simple rule for practice follows: the smaller the amount, the more it pays to bundle purchases instead of withdrawing small sums one by one each month. A single withdrawal of 1,000 euros in Bitcoin costs the same 1.31 euros as a withdrawal of 100 euros. Which devices are suitable and which networks they support is set out in our hardware wallet comparison.

Euros in, euros out: SEPA free of charge in both directions

For euros Bitvavo charges nothing for either the deposit or the withdrawal according to its own table, in both directions via SEPA and with no minimum amount. That is the pleasant part of the calculation and the more important one for beginners: leave the coins at the trading venue and swap them back into euros later, and you pay the trading fee twice and nothing else.

Our assessment: for small, regular purchases this model is inexpensive as long as the coins stay at the trading venue. The evidence is above, 25 cents on 100 euros and zero euros for the transfer in both directions. Against it stands the custody risk: hand the private keys to the provider and you carry its default risk with it, and the only way to switch that off is a withdrawal, which in turn costs 1.31 euros. Which of the two items weighs more depends on the sum and the holding period, not on the provider. A total loss is possible with any crypto asset.

Five euro minimum order across all 427 euro markets

The minimum order size at this provider is unusually uniform. Of the 438 trading pairs, 427 run against the euro and eleven against the stablecoin USDC, and in every single one of the 427 euro markets the minimum order is exactly 5.00 euros. There are no pairs with a higher threshold, not even among the smallest assets on the list.

In practice that means a savings plan of 25 euros a month can be spread across up to five positions without hitting a minimum. Whether that makes sense is another matter, because every additional position generates purchase data of its own that you have to document for tax.

Five markets outside the standard category, and all five are stablecoin pairs

Bitvavo assigns every trading pair to a fee category. Of the 427 euro markets, 422 sit in the same category and the remaining five in two others: the euro pairs of the stablecoins USDC, EURC, EURCV, EUROP and USDCV. Several trading venues apply a separate, lower scale to stablecoin pairs, because both sides of the trade carry an asset with a fixed price.

For the cost calculation of an ordinary coin purchase that changes nothing, since Bitcoin, Ethereum, XRP and Dogecoin all sit in the standard category. It matters for the swap between the euro and a stablecoin, for instance to park a balance: there the separate category decides the rate, and that rate is in the provider's fee table.

Why the sliding scale tiers diverge between comparison sites

Search for the sliding scale and you find at least three different accounts. Capitalo lists tiers at 100,000, 250,000 and 500,000 euros of monthly volume, Misscrypto tiers at 100,000 euros, one million and five million, Kagels-Trading describes ten tiers up to 100 million euros. The rates at the highest tiers lie between 0.03 and 0.08 percent in these accounts.

All three agree on the entry tier and on the start of the first scale at 100,000 euros. The divergence above that is explained by the state of each page, as the figures carry dates from June to September 2026. For a calculation with small amounts the entry tier is enough; for anything above it the provider's table is the binding position. We give a range here because the sources give a range.

The licence: MiCA authorisation from the Dutch AFM, valid across the EU

A cost comparison is only worth anything if the provider is allowed to run the business at all. Bitvavo holds its authorisation under the EU regulation on markets in crypto assets from the Dutch financial supervisor AFM and provides its services in Germany through the European passport, so without a second authorisation from BaFin. You can look that up yourself, because the AFM lists the firms it has authorised in public registers.

This check is worth doing with any provider whose name you have from an advert. The company name is in the imprint, not on the app icon, and a company only appears in the register under that name.

What a licence does not cover

A licence is a statement about the provider, not about the crypto assets traded. An authorised trading venue can pull individual assets from trading at any time. We showed how that works at the end of September using the forced conversion of ICX into euros: first trading ended, and ten days later the remaining holdings were converted into euros automatically.

Withdrawing is not a sale: what counts for tax when you move coins

A withdrawal to your own address is not a disposal, because the coins only change where they are kept and not who owns them. The one-year clock keeps running and no taxable event arises. Tax only becomes due on the sale, or on the swap into another crypto asset, if no more than a year lies between acquisition and disposal under section 23(1) sentence 1 no. 2 of the German Income Tax Act.

Two things still matter when you move coins. First, the withdrawal fee is deducted in coin units, so in Bitcoin for Bitcoin. After the move there is correspondingly less at your own address, and the acquisition date of the remaining quantity stays as it was. Second, you will later need the purchase date, quantity and price of each tranche to prove the holding period. Neither travels with the coins automatically, and both are hard to reconstruct after the fact.

Bitvavo fees: at 100 euros the withdrawal costs more than the purchase

1. Add both items together before you choose a provider. Trading fee plus withdrawal fee gives a different picture at small sums than the percentage alone. The terms of the major trading venues stand side by side in our comparison of the best crypto exchanges.
2. Decide before you buy whether the coins stay or move. Leave them at the trading venue and the exercise costs 25 cents per 100 euros; move them and with Bitcoin 1.31 euros is added. Which device supports which networks is shown in the hardware wallet comparison.
3. Check the licence under the company name from the imprint. Only providers authorised under the EU regulation may serve customers in Germany. Which trading venues can show it is set out in the overview of regulated crypto exchanges.

(As of 15 October 2026. This article is not investment advice. Prices and fee structures change; check the terms with the provider before you buy.)