Finst review 2026

Finst charges a flat trading fee of 0.15 percent, regardless of volume or order type (as of 09/2026). There is no scale you first have to reach, and no separate maker and taker rates. That makes Finst the cheapest provider at entry level in this rating field; only Bitvavo undercuts the flat rate at high trading volumes. Equally unusual: according to its own statements, Finst charges no additional spread mark-up on the market price; the 0.15 percent is the complete block of trading costs. On payment methods, all deposits and withdrawals in euros are free, and Finst also charges no fees for withdrawing crypto assets to an external wallet – a point on which many competitors charge. Scoring (30/30): The trading fee of 0.15 percent reaches the top level and gives the full 15 points. Because Finst discloses that no additional spread is added, there are the full 8 points. Free SEPA deposits and withdrawals give the full 7 points.

Finst is registered with the Dutch AFM and holds a full MiCA licence under which its services may be offered EU-wide; in addition, the company is listed as a crypto service provider with the Dutch central bank. The regulatory standing for the German market is thus verified. Custody of crypto assets is handled by Fireblocks, an institutional custody provider with multi-party computation technology and insurance of US$30 million. Euro balances are held in a separate account at bunq Bank, a Dutch full bank, where they are covered by EU deposit protection up to €100,000. Finst does not present a published proof of cover in the form of a proof of reserves, however, and the MPC architecture is not equivalent to predominantly cold custody. At account level, two-factor authentication is verified; we could not demonstrate a whitelist for withdrawal addresses or configurable withdrawal locks. Scoring (20/28): The MiCA licence gives the full 12 points. For custody we award 5 out of 10 points, because separate, insured custody is named but no proof is published. On account security there are 3 out of 6 points: two-factor authentication is verified, but further protection features are not.

Finst lists over 340 cryptocurrencies. As a Dutch euro trading venue, these are traded directly against euros, with no intermediate step via dollar stablecoins needed – which not only saves fees but also simplifies tax recording. On additional products, Finst covers both areas we examined. Through the Auto Invest function, savings plans can be set up on individual cryptocurrencies or on preconfigured bundles. Staking is offered for selected assets, with rewards credited weekly and reinvested automatically. Scoring (18/18): Over 340 tradable crypto assets give the full 8 points. Consistent euro trading brings the full 5 points. Auto Invest and staking together give the full 5 points.

Finst offers a German-language interface, German-language customer service and apps for iOS and Android; navigation is designed for clarity both in the desktop browser and in the app. On Trustpilot, Finst has 4.1 out of 5 from 15,639 reviews, while in the German App Store the rating is 2.8 out of 5, though based on just 10 reviews. On order types, Finst is much more narrowly positioned than its competitors: market, limit and stop-loss orders are supported. Stop-limit, trailing or OCO orders are missing, which users also name as a limitation in reviews. We could not find a public status page with real-time and historical data on system availability for Finst – without such proof, we award no points here. Scoring (8/14): A German-language interface plus apps for iOS and Android give the full 6 points. For order types there are 2 out of 4 points, because beyond market and limit only stop-loss is available and the stop-limit order required by the methodology is missing. For availability we award 0 out of 4 points, as no status page can be found.

Finst provides its users with a free tax report – alongside fee-free crypto withdrawal, one of the features the provider expressly advertises. That is the exception in the rating field: Coinbase, Kraken and Bitvavo refer only to external tools for the tax return. On data export, Finst is more simply put together. The transaction history can be downloaded as a CSV file under Activity and Transactions and imported into tax tools such as CoinTracking. We could not verify a publicly documented trading or account API through which tax tools could collect the data automatically; the common tools connect Finst via the CSV route. Scoring (8/10): The free tax report gives the full 6 points. On export we award 2 out of 4 points, because only the CSV route can be verified and no API could be demonstrated.