Crypto Country GuideCrypto rules and tax, country by country

Spain: exchanges

Last reviewed: October 2026

On this page
  1. Who may serve you
    1. Not in the register
  2. Fees compared
  3. Features compared
  4. How to check a provider
  5. If an exchange fails
  6. Where to complain
  7. Sources
    1. Exchange pages (not official sources)
  • An exchange may serve customers in Spain only with a MiCA authorization from the CNMV or from another EU regulator that has notified Spain. Both appear in the CNMV register. Spain’s transitional period ended on 1 July 2026.
  • Bit2Me and Criptan are authorized by the CNMV; most large international exchanges serve Spain from Austria, Ireland, Luxembourg, Malta, Cyprus or the Netherlands.
  • Fees differ a lot: from no fee plus a spread of up to 1% to about 2% or more for a simple purchase. Some providers charge to withdraw euros or do not let you move coins to your own wallet freely.
  • Binance, Bitget and Nexo were not in the EU register of authorized providers on 7 October 2026.
  • Crypto at an exchange is not covered by a deposit or investor guarantee scheme. MiCA does require exchanges to keep customers’ crypto separate from their own assets.

This page compares the crypto exchanges that serve residents of Spain and explains how to check one. We do not rank or recommend any exchange, and there are no affiliate links. Fees change often: the figures below are what each exchange published on its own pages on 7 October 2026. Whether a provider is authorized comes from the CNMV and ESMA registers. Tax on your trades is on personal tax.

Who may serve you

Under MiCA, nobody may provide crypto-asset services in the EU without an authorization, or a notification by an already supervised firm such as a bank. A provider authorized in one EU country may serve the whole EU after notifying the other countries (passporting). Spain’s transitional period ended on 1 July 2026, so a registration with the Banco de España alone is no longer enough. The CNMV register lists both the providers it authorized and the providers from other EU countries that may serve Spain.

These are exchanges that consumers in Spain commonly use, with their authorization as shown in the ESMA register of 7 October 2026 and the CNMV register. All of them list Spain among the countries they may serve:

ExchangeLegal entityAuthorized byDate of authorization or notification
BBVABanco Bilbao Vizcaya Argentaria, S.A. (a bank, notification)CNMV (Spain)5 March 2025
Bit2MeBitcoinforme, S.L.CNMV (Spain)31 October 2025
BitpandaBitpanda GmbHFMA (Austria)9 April 2025
BitstampBitstamp Europe S.A.CSSF (Luxembourg)15 May 2025
BitvavoBitvavo B.V.AFM (Netherlands)26 June 2025
Bybit EUBybit EU GmbHFMA (Austria)28 May 2025
CoinbaseCoinbase Luxembourg S.A.CSSF (Luxembourg)20 June 2025
CriptanCriptan Trade, S.L.CNMV (Spain)26 June 2026
Crypto.comForis DAX MT LimitedMFSA (Malta)27 January 2025
eToroeToro (Europe) LtdCySEC (Cyprus)16 January 2025
KrakenPayward Europe Solutions LimitedCentral Bank of Ireland25 June 2025
KuCoin EUKuCoin EU Exchange GmbHFMA (Austria)27 November 2025
OKXOKX Europe LimitedMFSA (Malta)27 January 2025
RevolutRevolut Digital Assets (Europe) LtdCySEC (Cyprus)20 October 2025
Trade RepublicTrade Republic Bank GmbH (a bank, notification)BaFin (Germany)28 April 2025

The date is the date in the ESMA register for the home country, not the start date in Spain, which the CNMV register does not show. In total the ESMA register of 7 October 2026 listed 15 active providers authorized in Spain, including several banks (such as BBVA, CaixaBank, Kutxabank, Openbank and Renta 4), and 188 from other EU countries that may serve Spain. Many of them are not exchanges for consumers but, for example, payment or custody firms.

Not in the register

  • Binance was not in the ESMA register or in the CNMV register of crypto-asset service providers on 7 October 2026.
  • Bitget and Nexo were not in the ESMA register either.
  • MEXC is on ESMA’s list of non-compliant entities: on 16 September 2025 the Dutch regulator AFM found that it provided crypto-asset services in the Netherlands without the required MiCA license.
  • A provider that is not in the register after 1 July 2026 may not serve customers in Spain. The CNMV says it should have a migration plan so that you can move your crypto and money, and that you do not have MiCA’s protection with it.

Fees compared

MiCA requires exchanges to publish their prices, costs and fees. The table shows what each exchange’s own pages said on 7 October 2026, for a normal customer at the lowest fee level. “Simple buy” is the buy button in the app; “advanced” is the order book (maker / taker). A spread is the difference between the buying and selling price and is an extra cost on top of the fee. “Not found” means we could not find or read the figure on the exchange’s own pages. We could not read current fee pages for Bitstamp and BBVA, so they are not in the table.

ExchangeSimple buyAdvanced (maker / taker)SEPA depositEuro withdrawalCoins to your own wallet
Bit2Me0.95% plus a spread of up to 1.20%; non-SEPA euro payments can add 1.99%0.5% / 0.6% (Pro)FreeFree (minimum €10)Yes, network fee
Bitpanda0.99% for bitcoin (0% to 2.49% overall), included in the price0.25% (Fusion)FreeFreeYes, 0.00000598 BTC
BitvavoFee of at most 0.25%; the price guarantee adds a spread (size not stated)Maker not found / at most 0.25%FreeFreeYes, 0.000017 BTC
Bybit EUNot found (card about 3%, Google or Apple Pay about 2%)0.25% / 0.25% (from 5 October 2026)Free0.08% plus €5.50Yes, fixed fee per coin
CoinbaseConversion fee plus spread; rate not foundFrom 0.0% maker (its own claim)Free (its own claim)Not foundYes, network fee estimate
Criptan0.99% (minimum €0.99) plus a spread of 0 to 1%–Free€2.40 at the first levelYes, network fee
Crypto.com0.80%, other fees and spread may apply0.25% / 0.50%Free (minimum €20)€1Yes, 0.0002 BTC (0.0004 BTC from 0.002 BTC)
eToro1% (lower for high-volume tiers)–Not foundFree from the euro accountVia eToro Money: 2%, then network fee
Kraken1% plus spread0.40% / 0.80%Free€1Yes, fee not found
OKXNo fee, spread of at most 1.00%0.08% / 0.10%, or 0.20% / 0.35% without a derivatives accountFreeFreeYes, network fee
RevolutRate not found; spread typically 0 to 3%0% / 0.09% (Revolut X)No deposit feeNot foundYes, £3 service fee plus network fee
Trade Republic€1 per order plus spread (size not stated)–FreeFreeYes, network fee only

A few things the table does not show:

  • Bizum, the Spanish mobile payment system, is not offered for deposits by Bitvavo or Kraken and was not listed by Bit2Me or Bybit EU; Trade Republic supports it on its current account.
  • Card payments usually cost extra, for example 1% at Bitvavo, 1.99% at OKX, up to 4% at Crypto.com and €0.25 plus 3.75% at Kraken.
  • Bit2Me charges €10 a month for inactive accounts (no transactions for 12 months or no login for 3 months). Criptan also charges an inactivity fee; its two fee pages give different amounts.
  • Criptan lets you buy and sell only bitcoin, ether, litecoin and USDC directly; other coins only in baskets, according to its pricing policy.
  • Bybit EU introduced its single fee of 0.25% on 5 October 2026. OKX charges 0.20% / 0.35% if you have no derivatives (X-Perps) account; its public fee page shows only 0.08% / 0.10%.
  • eToro sends coins to your own wallet only through its eToro Money wallet, with a 2% fee to move them there.

Features compared

ExchangeNumber of coins (its own claim)StakingRecurring buyBitcoin LightningIn Spanish
Bit2Me300+Yes (Earn, no commission stated)YesNot foundSite, help center, phone
Bitpanda650+Yes (commission not stated)Yes (savings plan)Not foundSite, app, help center
Bitvavo400+Yes (includes lending)YesNoSite, app
Bybit EUNot foundFixed-term rewardsYes (DCA bot)Not foundHelp center
Coinbase“Hundreds”YesNot foundNot foundSite
Criptan30+ (most only in baskets)No (Earn is a loan to Criptan)Not foundNot foundSite, contracts, support
Crypto.com400+Yes (15% to 35% commission)YesNot foundHelp center
eToro150+Yes (10% to 55% commission)Yes (from $25)Not foundSite
Kraken490+Yes (20% commission on flexible staking)YesYesSite, help center
OKX270+Liquid staking (BETH, OKSOL)YesYes (up to 0.05 BTC per withdrawal)Site, support
RevolutNot foundYes (0% to 50% of rewards)Not foundNot foundNot verified
Trade RepublicAbout 50YesYes (savings plan)Not foundSite, support

With lending products (such as Criptan Earn or part of Bitvavo’s automatic earning) you lend your coins to the provider or its partners, which adds risk. Crypto.com says its Earn and staking products are not regulated under MiCA. How staking rewards are taxed is on personal tax.

How to check a provider

  1. Look the provider up in the CNMV register of crypto-asset service providers and in the ESMA register. Check that the legal entity you sign up with is the one in the register, and which services it may provide.
  2. Check the CNMV warning list of unauthorized firms, or call the CNMV on 900 535 015.
  3. Read the fee page before you deposit: MiCA requires exchanges to publish their prices, costs and fees. Look at the spread as well as the fee, and at the cost of withdrawing coins.
  4. If you hold more than €50,000 in total with providers outside Spain, remember the modelo 721.

The EU supervisors call most crypto-assets volatile and high-risk and warn that you can lose all the money you invest. An authorization means a provider is supervised; it does not make the coins themselves safe.

If an exchange fails

There is no guarantee scheme for crypto: the EU supervisors say in their warning, published by the CNMV, that you do not benefit from an investor guarantee fund. What MiCA does require:

  • Separation. An exchange that holds your crypto must keep it separate from its own, also on the blockchain, and legally separate from its estate, so that its creditors have no claim on it, in particular if it goes bankrupt (Article 75(7)).
  • Your euros. Customer money must be placed with a bank or central bank by the end of the next business day, separate from the exchange’s own money (Article 70(3)). This does not apply to exchanges that are themselves a bank, payment or e-money institution.
  • Liability. The exchange is liable for crypto lost through an incident attributable to it, up to the market value at the time of the loss (Article 75(8)).
  • Statements and wind-down. You get a statement of your holdings at least every three months (Article 75(5)), and custodians must have a plan for an orderly wind-down (Article 74).

For tax purposes, the AEAT treats crypto that a failed platform does not return as an unpaid claim, not an immediate loss (see losses). Coins in your own wallet do not depend on an exchange at all; the rules for that are on regulation. If you move a larger amount of bitcoin into self-custody, this comparison of a single hardware wallet and a multisig setup explains the options.

Where to complain

  1. The exchange first. Under MiCA every exchange must have a published, free complaints procedure and handle complaints fairly and in time (Article 71). Keep a dated copy of your complaint.
  2. The CNMV. The CNMV’s complaints service (Servicio de Reclamaciones) takes complaints after you have gone to the firm’s customer service first and received no answer within a month or an answer you disagree with; you then have one year. Its page names investment firms, banks providing investment services and fund managers, and does not mention crypto-asset service providers. We found no rule that confirms it handles complaints about crypto providers (October 2026); ask the CNMV before you file.
  3. A provider from another EU country. The CNMV is a member of FIN-NET, the EU network of out-of-court complaint bodies, which can direct a cross-border complaint to the body in the provider’s home country.
  4. Court. You can always start legal proceedings.

Sources

Exchange pages (not official sources)

Fees and features come from each exchange’s own pages, checked on 7 October 2026. They are the exchange’s own statements, not checked by a regulator.

This page is general information, not financial advice. Fees and authorizations change, so check the register and the exchange’s own fee page before you open an account.