Review: Kriptomat cryptocurrency exchange

Buy, sell, store and save on a user-friendly, security-conscious cryptocurrency exchange.

  • Great for low-cost crypto to crypto exchanges
  • Not so great for those looking for more advanced features such as margin or derivatives trading


Fiat currencies




Product Name Kriptomat Cryptocurrency Exchange
Fiat Currencies EUR, USD, GBP, BGN, HRK, CZK, HUF, PLN, SEK, TRY
Cryptocurrencies BTC, ZRX, ADA, BCH, EOS, ETH, ETC, FIL, XMR, XRP & 340+ more
Deposit Methods Credit card
Trading Fee Cryptocurrency: 0.45%
Credit card: 2.45%
Skrill: 4.35%
Neteller: 4.35%
Deposit Fees Credit card: 1.99%
Withdrawal Fees Cryptocurrency: Fees vary

Positioned for a European market, Kriptomat is a cryptocurrency exchange that was launched in Estonia in 2018. The company’s ambition is to bring cryptocurrencies to the mainstream by making the process of buying, trading and storing digital assets as easy as possible.

With a user-friendly interface, Kriptomat provides a comprehensive platform to “onboard” new cryptocurrency investors. The exchange provides clarity on fees, cryptocurrency education and access to the exchange’s digital wallet. Kriptomat is licensed in Estonia and regulated by EU law. To further increase flexibility, the exchange comes with both web and mobile formats.

Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

What fiat currencies and cryptocurrencies are supported?

  • Supported fiat currencies: EUR, USD, GBP, BGN, HRK, CZK, HUF, PLN, SEK, TRY
  • Supported cryptocurrencies: Approximately 354 cryptocurrencies
Go to Kriptomat's website

Which payment methods are accepted?

  • Credit card
  • Neteller
  • Skrill
  • SEPA
Go to Kriptomat's website

What’s it like to use Kriptomat?

With a clear focus on user-friendly design, Kriptomat’s exchange platform is easy to navigate, even for those unfamiliar with cryptocurrency exchanges. Users have the ability to buy, sell, trade and store cryptocurrencies within the exchange. Up to 139 cryptocurrencies are currently available. Kriptomat charges no fees when making crypto to crypto exchanges, which is one of the best rates in the industry.

For those looking to gain insight into each cryptocurrency token, Kriptomat provides in-depth guides on all projects, including “How to Buy” video walkthroughs. Thanks to the leaner set of features, the exchange remains unintimidating yet completes the simple tasks well. Alongside facilitating trades, there is a digital asset savings account that can be utilised to earn interest. Customer support can be accessed via a ticketing system on the website.

Fees and limits

The trading fees and limits implemented on the Kriptomat exchange are easy to find and are very clear.

The fees below are accurate as of 15 June 2021.

Platform trading fees

Buy/sell fee (euro to crypto & crypto to euro)1.45% (1.45 EUR minimum)
Credit card purchase3.45% Additional charges apply if the purchase is below 100.00 EUR
Crypto to crypto fee0.00%
Skrill buy5.35%
Neteller buy5.35%

Deposit and withdrawal fees

Deposit fees
SEPA fiat deposit0.00 EUR
Crypto deposit fee0.00 EUR
Withdrawal fees
Crypto withdrawal feeVaries depending on the cryptocurrency. Example withdrawal fees include 0.0005 BTC, 0.0017 ETH, 0.02 XRP. The full list can be found here.

Transaction limits

Daily SEPA deposit and withdrawal25,000 EUR
Monthly SEPA deposit and withdrawal200,000 EUR
Crypto deposit and withdrawalNo limit
Daily limit for other payment methods500 EUR
Monthly limit for other payment methods5,000 EUR
Minimum trade amountVariable
Minimum SEPA fiat deposit35 EUR

Fees for buying €1,000 of Bitcoin

When buying €1,000 worth of Bitcoin, a 1.45% charge would be applied to the transaction. For a €1,000 purchase, €1,014.50 would need to be paid to cover the transaction fees.

How do I create an account at Kriptomat?

Kriptomat has tried to streamline the process of account creation as much as possible, which means creating an account through the application should be straightforward.

Go to Kriptomat's website

Additional features

Recurring buy

Kriptomat offers users the ability to set up frequent automated cryptocurrency purchases. Timing any market is almost impossible, which is why recurring purchases are useful. It removes the concern of volatile price movements and capitalises on dollar-cost averaging, a method implemented to avoid timing the market. Recurring purchases allow a user to set a date and frequency for cryptocurrency purchases. Purchases can then be automatically completed by Kriptomat without user input.

Kriptomat savings account

Kriptomat offers users the opportunity to place both fiat and cryptocurrency assets into an EU-regulated savings account. By depositing assets into the account, Kriptomat leverages those assets through a series of staking and reward accounts. The returns from those accounts are then passed back to the account holders. There is no lock-in period and rewards are returned at the start of every month. A savings calculator inside a Kriptomat account can offer an estimate of potential returns.

Customer support

Kriptomat offers users 2 avenues for customer support. These include:

  • Ticketing system. On the Kriptomat website, there is an online form that can be completed. The question moves into a ticketing system which is then answered by a Kriptomat representative.
  • Email. For support enquiries, users can also send an email directly to

Is Kriptomat safe to use?

  • Regulation. Kriptomat is licensed and regulated by the government in Estonia, and by EU legislation. As a licensed cryptocurrency exchange, the company must abide by the same laws and regulations as banks and financial institutions. The parent company, Kriptomat OÜ, was awarded an operating licence by the Financial Intelligence Unit in Estonia for providing a virtual currency service (licence number FVT000310). Due to the aforementioned regulations, Kriptomat implements thorough Know Your Customer (KYC) checks.
  • Verification process. As an EU licensed cryptocurrency, exchange users must verify their identity and provide requested ID documentation. Deposits can only be made from verified bank accounts and no third party payments are accepted.
  • Security features. Security on Kriptomat is a priority, with the exchange implementing protocols recommended by the “Code of practice for information security management and Cryptocurrency Security Standard”. 98% of cryptocurrency holdings are held in cold storage facilities which mitigate against potential security breaches. The exchange undergoes regular security tests from a dedicated team and operates strict security procedures. To add personal data protection for users, the application was developed using the General Data Protection Regulation (GDPR). Although security is the highest priority on the exchange, it is always best to keep cryptocurrency holdings in a secure digital hardware wallet.


For EU citizens, Kriptomat provides a clean and organised platform for both new and experienced cryptocurrency investors. Although lacking some of the advanced features offered by other exchanges, such as margin and derivatives trading, the intentional removal of these features helps to keep the platform user-friendly. Although fiat to crypto fees are on the high side, the ability to exchange cryptocurrencies without a transaction cost means Kriptomat offers some of the lowest fees in the market. The flexibility to transfer cryptocurrencies in and out of Kriptomat’s digital wallet is also a huge bonus.

For frequent and active cryptocurrency investors who wish to utilise margin and derivatives trading or want the ability to actively stake cryptocurrencies, other platforms will trump Kriptomat on features. However, for those looking for a clean, security-conscious exchange, with a good range of cryptocurrencies, Kriptomat ticks a lot of the boxes.

Pros and cons of Kriptomat


  • Low crypto to crypto fees. With zero fees for crypto to crypto exchanges, Kriptomat’s fees are some of the lowest on the market.
  • User-interface. The interface on Kriptomat is easy for even inexperienced cryptocurrency investors to grasp.
  • Digital wallet. Use of the exchange comes with the use of Kriptomat’s digital wallet for free.
  • Range of cryptocurrencies. The breadth of cryptocurrencies on the platform is larger than most.
  • Fiat to crypto purchases. Users can buy cryptocurrencies directly with fiat.
  • Security. The security features on Kriptomat are of the highest quality.
  • Regulated. The exchange is regulated by the Estonian government and EU legislation.


  • Centralised. The cryptocurrency exchange is centralised. If a user leaves cryptocurrencies on the exchange they do not truly hold full control. For full control, a user needs to remove cryptocurrencies from the exchange.
  • Range of fiat currencies. While having the option to purchase cryptocurrencies is good, the exchange only offers that option with GBP and major EU fiat currencies.
  • Lack of features. While doing the simple things extremely well, the exchange does lack advanced features offered by other platforms.

Ready to sign up?

Go to Kriptomat's website
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Frequently asked questions

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