Where to buy cryptocurrency
In the region, crypto is most often bought through European exchanges that accept SEPA transfers. Below is what each one is and whether it holds a MiCA licence — a permit valid across the European Union. We deliberately do not show fees until we verify them from the official fee schedule, because a wrong figure here costs people money.
Some links to exchanges below are affiliate links — if you sign up through them, we earn a commission. The figures and their order do not depend on that, and the price for you is the same.
What buying actually costs
For $ 100.00 invested in bitcoin, the cheapest route today is Bitpanda: the fee costs you $ 0.99 (0.99 % of the amount) + whatever your bank charges for the euro transfer — we have not collected those tariffs yet. The most expensive exchange is Kriptomat, $ 4.57 — a difference of $ 3.58 on the same amount.
Market price used: $ 79,800.00 for 1 BTC. Fees read from official schedules, last checked 30 August 2026. Full breakdown by route →
What SEPA is and why it matters
SEPA is the European system of bank transfers in euros. Most exchanges accept money this way, meaning the payment goes from your bank account rather than a card. A transfer is cheaper than a card but takes one to two business days.
What the spread is
The spread is the gap between the price you buy at and the price you could sell at right away. It is a hidden fee that never appears on your receipt.
Exchanges
- BitpandaMiCA licence
An Austrian exchange with a European licence, known for an easy start for beginners.
- Fee
- 0.99 %
- Accepts local currency
- no
- Checked
- 30 August 2026
buying bitcoin; other cryptocurrencies 1.49%. official fee schedule
Open Bitpanda - KrakenMiCA licence
One of the world’s oldest exchanges, with low fees for larger amounts.
- Fee
- 1 %
- Accepts local currency
- no
- Checked
- 30 August 2026
instant one-click buying. official fee schedule
Open Kraken - KriptomatMiCA licence
A Slovenian exchange with content in the languages of the region.
- Fee
- 1.49 % + 1.96 % spread
- Accepts local currency
- no
- Checked
- 30 August 2026
buying and selling for euros. official fee schedule
Open Kriptomat Najveća svetska berza po prometu. Nema evropsku MiCA licencu, pa od 1.7.2026. ne prima nove klijente iz Evropske unije — u regionu ostaje dostupna van EU.
- Fee
- not verified
- Accepts local currency
- not verified
- Checked
- 6 September 2026
- BitstampMiCA licence
Founded in Slovenia in 2011, now owned by Robinhood.
- Fee
- 4 %
- Accepts local currency
- no
- Checked
- 25 August 2026
instant card purchase; exchange order 0.40%. official fee schedule
Their page sits behind bot protection, so the figure comes from an archived snapshot of the same fee schedule — check it before buying.
Open Bitstamp
We read fees from official fee schedules and each one carries the date it was read. Where it says “not verified”, the schedule loads through JavaScript so we cannot read it reliably — we would rather leave it empty than copy someone’s figure from memory. Fees change; always check them on the exchange’s site before buying.