Coinmate Trading Fee Calculator
Calculate your exact trading costs when buying or selling Bitcoin, Ethereum, or other supported cryptocurrencies on Coinmate. Enter your trade amount and see the breakdown of deposit fees, trading fees, and withdrawal costs.
Fee Breakdown
Equivalent Crypto Value
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Coinmate Crypto Exchange Review: Is It Right for European Traders in 2025?
If you live in the Czech Republic, Slovakia, or another part of Europe and want to buy Bitcoin or Ethereum using euros or Czech koruna, Coinmate might be one of the few exchanges that actually makes sense for you. It’s not the biggest, it doesn’t have hundreds of coins, and you won’t find a mobile app. But if you care about safety, low fees in your local currency, and a platform that doesn’t overcomplicate things, Coinmate has stayed quietly reliable since 2014.
Unlike Binance or Coinbase, Coinmate doesn’t try to be everything to everyone. It doesn’t serve the U.S., doesn’t offer leverage trading, and doesn’t have a flashy interface. Instead, it focuses on one thing: making it easy for Europeans to buy, sell, and hold crypto using their own money. That’s not just a niche-it’s the entire reason this exchange still exists.
Who Is Coinmate For?
Coinmate isn’t built for day traders chasing altcoins or people who want to trade with leverage. It’s built for people who want to buy Bitcoin with their bank account and hold it. If you’re new to crypto and live in Prague, Bratislava, Vienna, or Budapest, Coinmate is one of the simplest ways to get started.
Most exchanges force you to use a credit card or deal with complicated wire transfers. Coinmate lets you deposit directly from your Czech bank using CZK, or from any SEPA bank in the Eurozone using EUR. That means no currency conversion fees, no waiting days for funds to clear, and no surprise charges. You deposit €2, and you’re ready to trade.
That’s a big deal. If you’ve ever tried to buy crypto on an exchange that only accepts USD or GBP and you’re in Eastern Europe, you know how frustrating it is to pay extra just to get in the door. Coinmate removes that barrier.
Trading Pairs and Supported Cryptocurrencies
Coinmate supports only six cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Chainlink (LINK), and Polkadot (DOT). That’s it. No Shiba Inu, no Solana, no Dogecoin. If you’re looking for the latest meme coin or a new DeFi token, you won’t find it here.
But here’s the thing: you don’t need 300 coins to build wealth. Most people who hold crypto for the long term stick with Bitcoin and Ethereum. Coinmate gives you those two, plus four others with solid track records. For beginners and conservative investors, that’s more than enough.
The exchange offers 13 trading pairs, including BTC/CZK, BTC/EUR, LTC/BTC, and ETH/EUR. That means you can trade directly between crypto and your local currency without having to go through Bitcoin first. If you have euros and want to buy Ethereum, you can do it in one click. No extra steps. No hidden spreads.
Fees and Deposit/Withdrawal Limits
Coinmate’s fee structure is one of its strongest points. Maker fees start at -0.04% (you get paid for adding liquidity), and taker fees go up to 0.60% depending on your 30-day trading volume. If you trade under €10,000 per month, you pay 0.10% as a taker and 0.00% as a maker. That’s lower than most exchanges in Europe.
Deposits via SEPA or CZK bank transfer are free. Credit card deposits (VISA/Mastercard) cost 1.5%-a bit steep, but still cheaper than many competitors who charge 3-5%. Withdrawals are free for crypto, and fiat withdrawals to your bank account cost €1 for EUR and 20 CZK for CZK.
Withdrawal limits are tiered. Basic accounts can withdraw up to €1,000 per day and €5,000 per month. To increase those limits, you need to complete higher verification levels. The system has eight levels, but most users only need to reach Level 3 or 4 to get comfortable limits. You’ll need to upload ID and proof of address-standard for any regulated exchange.
Security: Reliable, But Not Cutting-Edge
Coinmate has never been hacked. Not once since it launched in 2014. That’s rare in crypto. Most exchanges have had at least one major breach. Coinmate’s track record is clean.
It uses cold storage for 95% of its funds, two-factor authentication (2FA), and segregated client accounts. That’s the bare minimum for a trustworthy exchange. It also runs a bug bounty program, which shows they’re serious about finding vulnerabilities before criminals do.
But here’s the catch: they don’t offer advanced security features like multi-sig wallets, hardware wallet integration, or withdrawal whitelisting beyond basic 2FA. If you’re used to Kraken or Bitstamp, you’ll notice Coinmate’s security is functional, not impressive. It’s enough to keep your money safe if you use 2FA and don’t reuse passwords-but it won’t give you peace of mind if you’re storing large amounts long-term.
Platform and User Experience
The website is simple. No clutter. No confusing charts. The trading interface looks like it was designed in 2018, but that’s not necessarily bad. It’s easy to navigate. Buy Bitcoin? Click “Buy.” Sell Ethereum? Click “Sell.” Set a limit order? It’s right there.
There’s no mobile app. None. Not for iOS, not for Android. You have to use a browser on your phone or stick to your computer. That’s a major drawback in 2025. Over 78% of crypto trading happens on mobile devices. If you want to react to market moves while commuting or traveling, Coinmate won’t let you.
There’s also no API for advanced traders. Wait-actually, there is. Coinmate offers a public API for automated trading and integrates with tools like Štosuj.cz and Bitrobot Pro. But setting it up requires technical knowledge. It’s not something a beginner can use out of the box.
The recurring buy feature is a hidden gem. You can schedule weekly or monthly purchases of Bitcoin or Ethereum. That’s perfect for dollar-cost averaging. You don’t need to time the market. Just set it and forget it.
Customer Support and Availability
Coinmate’s support team only works Monday through Friday, 9 AM to 5 PM CET. No weekends. No holidays. No live chat. No phone number. You send an email or open a ticket. Responses usually come within 24 hours during business days.
If you have a problem on a Friday night, you’re stuck until Monday. That’s a problem if you’re trying to withdraw funds after a market crash or need help with a failed deposit. Competitors like Kraken and Binance offer 24/7 support. Coinmate doesn’t.
Most users report that support is polite and helpful when they respond. But the lack of availability is a real pain point, especially for people who trade actively or rely on crypto for income.
Coinmate vs. the Big Players
Let’s be clear: Coinmate isn’t trying to beat Binance or Coinbase. It’s trying to serve a different audience.
| Feature | Coinmate | Binance | Coinbase |
|---|---|---|---|
| Supported Currencies | 6 | 350+ | 200+ |
| Fiat Currencies | EUR, CZK | USD, EUR, GBP, and more | USD, EUR, GBP, CAD, AUD |
| Mobile App | No | Yes | Yes |
| Trading Fees (Taker) | 0.10%-0.60% | 0.10%-0.40% | 0.50%-1.49% |
| SEPA/CZK Deposits | Free | Free (EUR only) | Free (EUR only) |
| 24/7 Support | No | Yes | Yes |
| Leverage Trading | No | Up to 125x | No |
| Regulated in EU | Yes (Czech Republic) | No (offshore) | Yes (U.S. and EU) |
If you’re in Europe and only want to buy Bitcoin and Ethereum, Coinmate is cheaper and simpler than Coinbase. If you want to trade dozens of altcoins or use leverage, Binance is the obvious choice. But if you care about local currency support, low fees, and a no-nonsense interface, Coinmate wins.
The Downsides You Can’t Ignore
Let’s be honest: Coinmate has serious limitations.
- No mobile app makes it hard to react to market swings.
- Only six coins limits diversification.
- Weekday-only support is frustrating for active traders.
- No advanced order types like stop-loss or trailing stops.
- Not available in the U.S., UK, or most non-EU countries.
These aren’t small issues. They’re dealbreakers for many. But they’re also intentional. Coinmate isn’t trying to be the most powerful exchange. It’s trying to be the most reliable for Central Europeans.
Final Verdict: Who Should Use Coinmate?
Use Coinmate if:
- You live in the Czech Republic, Slovakia, or another EU country.
- You want to buy Bitcoin or Ethereum with EUR or CZK.
- You prefer a simple, no-frills platform.
- You don’t need dozens of altcoins or leverage trading.
- You value security and a clean track record over flashy features.
Avoid Coinmate if:
- You want to trade Solana, Cardano, or meme coins.
- You need a mobile app to trade on the go.
- You require 24/7 customer support.
- You’re in the U.S., Canada, or outside the EU.
Coinmate isn’t perfect. But it doesn’t need to be. For its target market, it does exactly what it promises: lets you buy crypto with your local money, safely and affordably. In a world of overcomplicated exchanges, that’s rare-and valuable.
Is Coinmate safe to use?
Yes, Coinmate is considered safe for its target market. It has never been hacked since launching in 2014. It uses cold storage for most funds, offers two-factor authentication, and complies with Czech financial regulations. However, it doesn’t offer advanced security features like withdrawal whitelisting or multi-signature wallets, so it’s best for users who keep moderate amounts on the platform and move larger holdings to personal wallets.
Can I trade altcoins on Coinmate?
You can trade six cryptocurrencies: Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Chainlink, and Polkadot. That’s a limited selection compared to global exchanges like Binance or Kraken, which offer hundreds. If you’re looking for newer or niche tokens, Coinmate won’t help. But for mainstream assets, it covers the essentials.
Does Coinmate have a mobile app?
No, Coinmate does not have a mobile app for iOS or Android. All trading and account management must be done through a web browser. This is one of its biggest drawbacks, especially since over 78% of crypto trading now happens on mobile devices.
Can I use Coinmate if I live in the United States?
No, Coinmate does not serve users in the United States or several other countries including Iran, North Korea, Venezuela, Sudan, and Afghanistan. The platform is focused exclusively on European markets, particularly the Czech Republic and Slovakia.
What are the fees for depositing EUR or CZK?
Depositing EUR via SEPA transfer or CZK via local bank transfer is completely free. Credit card deposits cost 1.5%. Withdrawals of fiat currency cost €1 for EUR and 20 CZK for CZK. Crypto withdrawals are free. Trading fees start at 0.10% for takers and can be as low as -0.04% for makers, depending on your volume.
How long does verification take on Coinmate?
Basic verification (Level 1-3) usually takes less than 24 hours if you submit clear documents. Higher tiers (Level 4-8) may take up to 3 business days, especially during peak times. You’ll need a government-issued ID and proof of address. Once verified, you can deposit and trade immediately.
What’s Next?
If you’re in Europe and want to start with crypto, Coinmate is one of the most straightforward options. It’s not the most powerful, but it’s one of the most honest. No hype. No gimmicks. Just a reliable way to buy Bitcoin with your euros.
But if you’re serious about trading more than just BTC and ETH, or you need to move fast on market moves, you’ll eventually outgrow Coinmate. When that happens, consider switching to Kraken or Binance for more coins and mobile access. But for now? If you’re in Prague and want to buy your first Bitcoin without paying extra fees or jumping through hoops-Coinmate still works.
Comments
Mauricio Picirillo
Man, I love seeing exchanges that actually get what their users need instead of trying to be the next Binance. Coinmate’s whole vibe is like that one friend who shows up with exactly what you asked for - no extra fluff, no hype. If you’re in Europe and just want to buy BTC with your bank account without getting charged for breathing, this is it.
November 14, 2025 AT 23:30
Liz Watson
Oh wow, a crypto exchange that doesn’t have 300 meme coins? How quaint. Next they’ll tell me I can’t trade Dogecoin with my toaster. I mean, if you’re still holding Bitcoin in 2025, you’re basically a digital hoarder with a 2012 Tumblr aesthetic. 😴
November 16, 2025 AT 12:45
Rachel Anderson
I just cried reading this. No mobile app? In 2025?!?!? It’s like they built a time machine and dropped me into 2016. I need to feel my portfolio move with my thumb, not my laptop. This isn’t a platform - it’s a relic wrapped in Czech bureaucracy. 😭
November 18, 2025 AT 11:05
Hamish Britton
I’ve used Coinmate since 2018. It’s not flashy, but it’s never failed me. No drama, no outages, no sketchy ‘airdrops’ that turn out to be rug pulls. I just deposit EUR, buy BTC, and forget about it until I check my balance a month later. Sometimes, reliability is the most luxurious feature.
November 18, 2025 AT 14:21
Robert Astel
You know what’s wild? People act like having a mobile app is the end all be all of crypto but like… if you’re really serious about holding, shouldn’t you be thinking more about security and less about scrolling? I mean, I use coinmate on my phone browser and it’s fine, sure it’s not native but like… isn’t that kinda the point? Like why do you need to be trading while you’re on the toilet? 🤔
November 19, 2025 AT 11:14
Andrew Parker
It’s not about the app. It’s about the soul. Coinmate doesn’t scream at you with push notifications. It doesn’t gamify your fear of missing out. It just… exists. Quietly. Like a monk. And in a world where every exchange is a casino with a UI designer on LSD - that’s revolutionary. I’m not just buying crypto, I’m buying peace. 💙
November 20, 2025 AT 15:17
Kevin Hayes
The real question isn’t whether Coinmate is good - it’s whether the crypto ecosystem has lost its way. We’ve normalized complexity, speculation, and performative trading. Coinmate’s simplicity is a quiet rebellion against that. It’s not a tool for traders - it’s a tool for stewards. And in an age of entropy, stewardship is the rarest asset.
November 22, 2025 AT 14:17
Katherine Wagner
no mobile app?? like. really? and you call this safe? what if your laptop dies? what if you’re on vacation? what if you’re in a coffee shop with no wifi? what if you’re in a car? what if you’re in a coma? what if you’re dead? who’s gonna trade for you? 🤷♀️
November 23, 2025 AT 21:36
ratheesh chandran
bro coinmate is the only one that dont scam u and dont take ur money like binance and coinbase they are all scam but coinmate they are real they are from czech and they dont lie i use it since 2019 and never had problem i love them
November 25, 2025 AT 20:36
Hannah Kleyn
I’ve been thinking about this a lot - why do we assume more features = better? Maybe the real innovation is restraint. Coinmate doesn’t need to offer 300 coins because most people don’t need them. Maybe the future isn’t about expansion, but about focus. I’m not saying it’s perfect - but I’m starting to wonder if the noise is the problem, not the solution.
November 26, 2025 AT 07:08
gary buena
Okay but the fact that you get paid to be a maker? That’s wild. Like, I’m literally getting money for just placing a bid? That’s like getting paid to wait in line. And the fees? Lower than my local coffee shop’s tip jar. I’m sold. Also, no app? Honestly, I prefer it. Less temptation to check my portfolio every 5 minutes.
November 27, 2025 AT 02:18
Vanshika Bahiya
For beginners in India or Africa who can’t access Binance anymore, this is a blueprint. Local currency? No hidden fees? Simple UI? This is how you onboard real people - not gamified gamblers, but people who want to own something real. If more exchanges did this, crypto wouldn’t have such a bad rep. Kudos to Coinmate.
November 27, 2025 AT 19:44
Albert Melkonian
It is my sincere belief that Coinmate represents a rare convergence of ethical design and pragmatic utility. In an industry where profit maximization is the sole metric of success, their decision to prioritize accessibility, regulatory compliance, and user safety over speculative growth is not merely commendable - it is morally necessary. I would urge all users to consider this model as the gold standard.
November 28, 2025 AT 05:18
Kelly McSwiggan
‘Never been hacked’? Cute. That’s because nobody cares enough to try. 95% cold storage? So what? So does my grandma’s sock drawer. And ‘no leverage’? That’s not safety - that’s irrelevance. If you’re not leveraged, you’re not trading. You’re just… saving. In 2025? That’s not a feature. It’s a funeral.
November 28, 2025 AT 09:24
Byron Kelleher
Hey, I get it - no app sucks. But if you’re using this to buy BTC and hold it for 5 years? You don’t need an app. You need peace. And honestly? The fact that they don’t push you to trade every hour? That’s the gift. I used to check my portfolio 20x a day. Now I check it once a month. My anxiety dropped 80%. Coinmate didn’t sell me crypto - it sold me calm.
November 29, 2025 AT 17:07
Cherbey Gift
Bro coinmate be like a quiet uncle who brings you cash on your birthday and never asks for it back. No drama. No noise. No ‘yo bro you gotta buy SHIB NOW’. Just clean, simple, honest. I don’t need 300 coins. I need one that won’t vanish when the wind blows. And that’s Bitcoin. And Coinmate? It’s the only one that gets it.
November 30, 2025 AT 13:57