Bitvavo
Centralized exchangeA Dutch exchange licensed under MiCA by the AFM, serving residents of the European Economic Area only.
- Spot fee
- 0.15% / 0.25%
- Coins with a halal verdict
- 0
- of those listed here
- Available in
- 1 of 20
- countries we track
- Checked
- Sep 27, 2026
Reliability
6.5/ 10
MiCA licence and proof of reserves attested by The Network Firm for major assets.
Score updated
- Proof of reserves7.0
- Licences6.0
- Incident history7.0
- Segregation of funds7.0
- Insurance fund4.0
- Security practices7.0
Liberandum halal verdict
Suitable with care
Spot buying and selling is fine with care; avoid Earn lending and fixed staking, and check each coin.
Use
- Spot trading
Avoid
- Auto Earn lending (riba)
- Fixed staking unless reviewed
More details
Bitvavo is a Dutch exchange licensed under MiCA by the AFM that serves residents of the European Economic Area only. Spot buying and selling with immediate settlement is its core product, but it has no Shariah-certified product or Shariah token screening, so a Muslim user must avoid its Earn lending and fixed staking and check each coin separately. Bitvavo is built around spot trading: orders in the app and in the Advanced trading view settle immediately against the user's own EUR or crypto balance, which meets the AAOIFI requirement of hand-to-hand exchange (Shariah Standard No. 1) and the settlement conditions of Shariah Standard No. 20. We found no margin or futures products on Bitvavo. The part of the platform a Muslim user should avoid is Bitvavo Earn: its lending component pays a return for lending crypto, which is riba, and staking rewards should only be used if the staking arrangement itself is judged permissible. Bitvavo has no Islamic account, no Shariah-certified product and no Shariah screening of listed tokens. Reliability is moderate (6.5/10): MiCA authorisation from the AFM since June 2025, passported to the EEA; customer assets held through a separate foundation, Stichting Bitvavo Payments; a quarterly Merkle-tree proof of reserves attested by The Network Firm for a set of major assets; most crypto in insured cold storage. In November 2022 Bitvavo had about EUR 280 million lent to Genesis (DCG group) frozen; the company and its founders backstopped customers from their own funds and we found no report of customer losses. No reserve fund is disclosed. The exchange accepts only EEA residents, so it is not an option for users in the Gulf, Turkey, Southeast Asia, the UK or the US.
How to use Bitvavo the halal way
What is allowed and what to avoid on this exchange
- Allowed
Spot
Settles immediately against balance
- Allowed
Convert
Instant swap, settles like spot
- Avoid
Staking
Fixed-term staking, not certified
- Avoid
Savings and Earn
Auto Earn lending pays interest (riba)
- Avoid
Margin
Trading with borrowed money
- Avoid
Futures and options
Deferred settlement with leverage
- Avoid
Loans
Borrowing on interest
- Avoid
Structured products
Fixed return, not certified
No dedicated halal product
Bitvavo offers no Islamic account and no Shariah-certified earn or staking product. Bitvavo Earn combines crypto lending (Auto Earn) and fixed-term staking; the lending part pays a return on a loan of crypto and is not Shariah-compliant, and no Shariah board has certified any part of it.
No token screening
Bitvavo does not screen listed tokens for Shariah compliance. Its listing process is a general commercial and MiCA compliance review, so each coin should be checked on Liberandum before buying.
Step by step
How to trade halal on Bitvavo
Open an account and verify your identity
Sign up at bitvavo.com or in the Bitvavo app as an EEA resident and verify your identity with a valid ID document. Turn on two-factor authentication.
Deposit euros without yield products
Deposit EUR by SEPA transfer or iDEAL, which are free. Keep the balance as plain cash and crypto; do not switch on Auto Earn or any lending option for your funds.
Check each coin on Liberandum first
Bitvavo does not screen tokens for Shariah compliance. Before buying, look up the coin's halal status on Liberandum and skip coins rated non-compliant or doubtful.
Buy and sell with spot orders
Use Buy/Sell in the app or limit orders in Advanced trading. Trades settle immediately against your own balance. Limit orders that rest on the book pay the lower maker fee.
Stay out of Bitvavo Earn lending
Auto Earn lends your crypto for a return, which is riba. Fixed staking is also not Shariah-certified; use it only if you have a scholarly opinion that the specific staking arrangement is permissible.
Withdraw to self-custody
Move long-term holdings to your own wallet. Crypto withdrawal fees are dynamic and depend on network conditions; EUR withdrawals go to your SEPA bank account.
Availability
Where Bitvavo serves users and under which licence
Your country:Choose your country
- Bahrain
- Bangladesh
- Egypt
- European Union
- Indonesia
- Jordan
- Kazakhstan
- Kuwait
- Malaysia
- Morocco
- Nigeria
- Oman
- Pakistan
- Qatar
- Saudi Arabia
- Türkiye
- United Arab Emirates
- United Kingdom
- United States
- Uzbekistan
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- Country not found
Choose your country to see availability
Not available in United Arab Emirates
- Licence
- No UAE licence; Bitvavo accepts only residents of the European Economic Area.
- KYC
- Not applicable
Not available in Saudi Arabia
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Qatar
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Kuwait
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Bahrain
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Oman
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Jordan
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Egypt
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Morocco
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Türkiye
- Licence
- No Turkish licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Indonesia
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Malaysia
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Pakistan
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Bangladesh
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Kazakhstan
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Uzbekistan
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in Nigeria
- Licence
- No local licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in United Kingdom
- Licence
- No FCA registration; the UK is outside the EEA, and Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Not available in United States
- Licence
- No US licence; Bitvavo accepts only EEA residents.
- KYC
- Not applicable
Available in European Union
- Licence
- Bitvavo B.V., MiCA crypto-asset service provider authorised by the Dutch AFM in June 2025 (custody, trading platform, transfers), passported to the EU, Norway, Iceland and Liechtenstein.
- KYC
- Full KYC with a valid ID document required before trading
- Local currency
- EUR via SEPA transfer and iDEAL (free)
- United Arab EmiratesUnavailable
No UAE licence; Bitvavo accepts only residents of the European Economic Area.
- Saudi ArabiaUnavailable
No local licence; Bitvavo accepts only EEA residents.
- QatarUnavailable
No local licence; Bitvavo accepts only EEA residents.
- KuwaitUnavailable
No local licence; Bitvavo accepts only EEA residents.
- BahrainUnavailable
No local licence; Bitvavo accepts only EEA residents.
- OmanUnavailable
No local licence; Bitvavo accepts only EEA residents.
- JordanUnavailable
No local licence; Bitvavo accepts only EEA residents.
- EgyptUnavailable
No local licence; Bitvavo accepts only EEA residents.
- MoroccoUnavailable
No local licence; Bitvavo accepts only EEA residents.
- TürkiyeUnavailable
No Turkish licence; Bitvavo accepts only EEA residents.
- IndonesiaUnavailable
No local licence; Bitvavo accepts only EEA residents.
- MalaysiaUnavailable
No local licence; Bitvavo accepts only EEA residents.
- PakistanUnavailable
No local licence; Bitvavo accepts only EEA residents.
- BangladeshUnavailable
No local licence; Bitvavo accepts only EEA residents.
- KazakhstanUnavailable
No local licence; Bitvavo accepts only EEA residents.
- UzbekistanUnavailable
No local licence; Bitvavo accepts only EEA residents.
- NigeriaUnavailable
No local licence; Bitvavo accepts only EEA residents.
- United KingdomUnavailable
No FCA registration; the UK is outside the EEA, and Bitvavo accepts only EEA residents.
- United StatesUnavailable
No US licence; Bitvavo accepts only EEA residents.
- European UnionAvailable
Bitvavo B.V., MiCA crypto-asset service provider authorised by the Dutch AFM in June 2025 (custody, trading platform, transfers), passported to the EU, Norway, Iceland and Liechtenstein.
Presence by country
- United Arab EmiratesNo VARA, ADGM or DFSA licence; Bitvavo accepts only EEA residents.Unavailable
- Saudi ArabiaNo local licence; Bitvavo accepts only EEA residents.Unavailable
- TürkiyeNo Turkish licence; Bitvavo accepts only EEA residents.Unavailable
- EgyptNo local licence; Bitvavo accepts only EEA residents.Unavailable
- IndonesiaNo local licence; Bitvavo accepts only EEA residents.Unavailable
- MalaysiaNo local licence; Bitvavo accepts only EEA residents.Unavailable
- PakistanNo local licence; Bitvavo accepts only EEA residents.Unavailable
- NigeriaNo local licence; Bitvavo accepts only EEA residents.Unavailable
Reliability in detail
Overall 6.5 of 10
Proof of reserves
7.0Merkle-tree proof of reserves attested by The Network Firm; users can verify balances in the web app against the latest attestation (Bitvavo describes it as quarterly). Scope is selected assets (e.g. BTC, ETH, XRP, EUR, ADA, SOL at 31 December 2024), not the whole catalogue, and not monthly.
Licences
6.0MiCA CASP authorisation from the Dutch AFM since June 2025, passported to 30 EEA countries; DNB registration since 2020 before that. No licences outside the EEA (no UK, US, UAE or Singapore).
Incident history
7.0About EUR 280 million lent to Genesis (DCG) was frozen in November 2022; Bitvavo guaranteed the amount and the founders added funds, including returning about EUR 100 million in dividends; we found no customer losses. Minor data incidents in September 2022 and April 2024. No regulator fine found.
Segregation of funds
7.0Customer assets are held through a separate foundation, Stichting Bitvavo Payments, apart from the operating company. The quarterly attestation by The Network Firm confirms 1:1 backing only for in-scope assets; no audit of segregation across the whole catalogue found.
Insurance fund
4.0No user protection fund is disclosed. Bitvavo offers a one-time account guarantee of up to EUR 100,000 against unauthorised account access and refers to insured cold storage, but we could not confirm coverage amounts from its own pages.
Security practices
7.0Most crypto held in insured cold storage; two-factor authentication; data centres used by Bitvavo hold ISO 27001 and SOC reports. We found no ISO 27001 or SOC 2 report for Bitvavo itself. No hack with loss of customer funds found.
Fees
Spot trading, deposits and withdrawals
Spot trading
0.15% maker · 0.25% taker
Base tier below EUR 100,000 monthly volume; nine tiers by 30-day volume, down to about 0%/0.01% at the top. No exchange-token discount.
Deposits
Crypto deposits free. EUR deposits via SEPA transfer and iDEAL free.
Withdrawals
Crypto withdrawal fees are dynamic, based on an estimate of current network fees. EUR withdrawals to a SEPA bank account; we could not confirm the current EUR withdrawal fee from Bitvavo's own page.
Halal coins you can buy on Bitvavo
Coins with a halal verdict listed on this exchange
No coins with a halal verdict on this exchange yet
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