coinmate review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Coinmate is a Czech custodial exchange for euro users who want a regulated venue to buy and hold crypto without touching derivatives. Taker fees of 0.05% to 0.35% start well under the site median of 0.2%, and money comes in by bank transfer and SEPA.
Key facts
- Best for
- Euro holders buying spot who want a regulated, custodial account.
- Taker fee
- 0.05% to 0.35%↗
- Regulators
- Czech National Bank, Czech National Bank (CNB)↗
- Fiat deposit methods
- Bank, SEPA↗
- Maker fee
- 0% to 0.05%↗
- Withdrawal fee
- SEPA - 1 EUR, bank wire - 1 EUR, BTC - 0.00001 BTC / 0.00002 BTC, LTC - 0.0004 LTC, BCH - 0.00001 BCH↗
- Derivatives
- No↗
- Exchange type
- Cex↗
- Legal entity
- COINMATE a.s.↗
- Headquarters
- Czechia↗
- Founded
- 2014↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Custodial
- Official website
- coinmate.io
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- X
Pros and cons
Pros
- Regulated by the Czech National Bank, with the licence recorded as MiCA CASP 3157005QCM6Y91CUV844
- Taker fees of 0.05% to 0.35% start below the site median of 0.2%
- Operating since 2014, so the venue has a long trading record
- Support covers a help centre, chat and email, email, chat and help centre
Cons
- Derivatives are not offered, which keeps the platform spot only
- Support runs on email, chat and help centre only
- Custodial by design, custodial, so the exchange holds the keys to your coins
Ready to try coinmate?
Scored 9.3 / 10 by HodlCue.
Who it suits
- Euro users who fund the account by bank transfer or SEPA, bank and sepa
- Long term holders who prefer a custodial balance to running their own wallet
- Spot buyers who never touch futures or leveraged products
Who should look elsewhere
- ActivTrades when its taker fee of 0% compares with 0.05% to 0.35%
- bunq if you want the lower fee band, since 0.25% to 1.99% runs above 0.05% to 0.35%
- Anyone who wants to hold coins in their own wallet, since the platform is custodial
Fees
Trading fees are 0% to 0.05% for makers and 0.05% to 0.35% for takers, a low band for a custodial venue. Withdrawals take a flat charge on SEPA and bank wire transfers, and a small network fee on Bitcoin, Litecoin and Bitcoin Cash payouts, so the cost of moving money out sits alongside the cost of trading.
How coinmate compares
9.3 vs 9.5- 9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.7A taker fee of 0% makes it the cheaper side of the trade for frequent buying.
9.3 vs 9.4
9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 8.2
9.3 vs 9.7
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 8.6
Where coinmate is available
- Available
- Czechia
- Licence in Czechia
- Czech National Bank, checked September 26, 2026
- Licence in Czechia
- Czech National Bank (CNB) (MiCA CASP 3157005QCM6Y91CUV844), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to trade on coinmate?+
Fees are 0% to 0.05% for makers and 0.05% to 0.35% for takers. The site median taker fee is 0.2%, so coinmate sits in the cheaper part of the range for a custodial exchange. That keeps ordinary spot buying affordable, though heavier trading still pays the upper end of the taker band.
Is coinmate regulated and licensed?+
The exchange is licensed by the Czech National Bank, and the licence is listed as MiCA CASP 3157005QCM6Y91CUV844. The operator is COINMATE a.s., based in Czechia. Because the platform is custodial, customer assets sit on the exchange's own books rather than in an on-chain pool.
How can I deposit money?+
Fiat deposits are limited to bank and sepa, which covers the two routes most euro users need: a standard bank transfer and a SEPA transfer. Card deposits are not among the listed options, so anyone funding the account by debit card should look at another platform.
What do withdrawals cost?+
Withdrawal charges are separate from trading costs. SEPA and bank wire transfers take a flat charge, and Bitcoin, Litecoin and Bitcoin Cash withdrawals take a small network fee, alongside maker fees of 0% to 0.05% and taker fees of 0.05% to 0.35% when you trade.
Do I hold my own coins on coinmate?+
No, coinmate is custodial, custodial, so the exchange holds the keys and you hold a balance on the platform. There is no self custody route listed. That keeps recovery simple for most buyers, but it does mean exposure to how the exchange manages its own holdings.
Does coinmate offer derivatives?+
Derivatives are not offered, so the venue covers spot trading only. Taker fees of 0.05% to 0.35% apply to that spot book, and anyone chasing futures or leveraged products has to move to a different platform.
What support can I reach?+
Support runs on email, chat and help centre, covering a help centre, live chat and email. Phone support is offered by 44.7% of the platforms on the site, so readers who need to speak to someone should check ahead of time.
Who is coinmate built for?+
Coinmate suits euro users who fund the account by bank transfer or SEPA, bank and sepa, and who hold rather than trade derivatives. It has operated since 2014 under a Czech licence, which gives it a longer track record than many newer venues.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=CZ”
- coinmarketcap.com/exchanges/coinmate checked September 26, 2026
Backs: Founded
“Since our foundation in 2014, reliability, simplicity, and safety are everything to us.”
- coinmate.io/en checked September 26, 2026
Backs: Features, Regulators, Support channels
“Advanced custody: Our cryptocurrency custody infrastructure is the most up-to-date one in the world.”
- coingecko.com/en/exchanges/coinmate checked September 26, 2026
Backs: Derivatives, Exchange type, Fiat deposit methods, Maker fee, Taker fee, Withdrawal fee
“Margin Trading No”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Coins listed.