crypto12 review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Crypto12 is a Belgrade custodial exchange for Serbian buyers who want a licensed account for major coins. Taker fees of 0.95% to 2.4% sit well above the 0.2% for ranked exchanges, and proof of reserves is not published, so balances are harder to check.
Key facts
- Best for
- A licensed custodial account in Serbia for buying a short list of major coins.
- Taker fee
- 0.95% to 2.4%↗
- Coins listed
- 17↗
- Regulators
- National Bank of Serbia, Securities Commission of the Republic of Serbia↗
- Fiat deposit methods
- Bank↗
- Proof of reserves
- No↗
- Withdrawal fee
- 0.1% + blockchain network fee (crypto withdrawal); fiat payout 0.1%, min 33 RSD↗
- Derivatives
- No↗
- Exchange type
- Cex↗
- Legal entity
- Vescon d.o.o. Belgrade (Stari Grad), registration no. 21281565↗
- Headquarters
- Serbia↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Custodial, Staking
- Official website
- crypto12.com
Pros and cons
Pros
- Licensed by National Bank of Serbia and Securities Commission of the Republic of Serbia, with approvals from both the central bank and the market regulator
- Staking sits alongside custodial accounts: custodial and staking
- Fiat deposits go through a bank transfer, bank
- Support runs on email, phone and help centre
Cons
- Taker fees of 0.95% to 2.4% run well above the 0.2% for exchanges in the same ranking
- Proof of reserves is not published, so balances cannot be checked against a reserve report
- The listing holds 17 coins, ranking 143 of 172 for coins listed
Who it suits
- Serbian residents who bank locally and want a licensed custodial account
- Holders of the coins in BTC, ETH and USDT who also want to stake a balance
- People who want phone and email support, email, phone and help centre
Who should look elsewhere
- Cost-sensitive traders, since bunq charges taker fees of 0.25% to 1.99%
- Buyers after a long coin list, who would find more at Bitpanda with from 650
- Those wanting fee-free trading, who can look at ActivTrades at 0%
How your money is protected
Crypto12 operates under National Bank of Serbia and Securities Commission of the Republic of Serbia in Serbia. The National Bank of Serbia approval is recorded as G. br. 12065 (16/12/2022), and the Securities Commission of the Republic of Serbia licence as 9/1-101-3477/15-21. Proof of reserves is not published, so customer balances are not shown against a published reserve report.
How crypto12 compares
8.5 vs 9.5- 8.5 vs 9.3
8.5 vs 9.2
8.5 vs 9.7No taker fee, listed as 0%.
8.5 vs 9.4
8.5 vs 9.6
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 9.0
8.5 vs 8.2
8.5 vs 8.2
8.5 vs 9.7
8.5 vs 9.4
8.5 vs 9.3
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.0
8.5 vs 8.7
8.5 vs 8.6
Where crypto12 is available
- Available
- Serbia
- Licence in Serbia
- National Bank of Serbia (G. br. 12065 (16/12/2022)), checked September 26, 2026
- Licence in Serbia
- Securities Commission of the Republic of Serbia (9/1-101-3477/15-21), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does it cost to trade here?+
Trading costs a taker fee of 0.95% to 2.4%, well above the 0.2% for exchanges in the same ranking. Buying and selling both draw on that rate, so a frequent trader pays it repeatedly on each side of a trade.
How do I add money to the account?+
Fiat deposits run through bank transfers, so funding comes from a bank account rather than a card. The operator sits in Serbia, and the same help channels, email, phone and help centre, answer questions about a transfer that has not cleared.
What do withdrawals cost?+
Crypto withdrawals add a percentage charge on top of the blockchain network fee for the chain you send on, and fiat payouts take a percentage fee with a minimum amount in RSD. Those costs sit on top of the 0.95% to 2.4% trading fee, so small withdrawals can be poor value.
Who regulates the exchange?+
It is supervised by National Bank of Serbia and Securities Commission of the Republic of Serbia in Serbia. The National Bank of Serbia approval is listed as G. br. 12065 (16/12/2022), and the Securities Commission of the Republic of Serbia licence as 9/1-101-3477/15-21, so both central and market regulators appear on the record.
Does it publish proof of reserves?+
Proof of reserves is not published, so there is no public statement setting customer balances against assets held. Permission from National Bank of Serbia and Securities Commission of the Republic of Serbia is the main reassurance on offer, with custody sitting with the operator rather than with you: custodial.
Which coins can I buy?+
The list covers 17 coins, drawn from BTC, ETH and USDT. The majors sit alongside a few platform and tokenised asset names, a short selection next to the 74.5 coins typical of exchanges in the same ranking.
How do I get help?+
You can reach the service by email, phone and help centre, which mixes direct contact with written answers. A help centre covers routine questions, and phone and email suit anything about an account balance, a deposit or a withdrawal.
Can I stake my coins, and are derivatives offered?+
Staking is offered on the custodial account, as custodial and staking shows, while derivatives are not offered. Custody is custodial, so the operator holds the keys and handles balances rather than placing control of the assets in your hands.
Sources
- crypto12.com checked September 26, 2026
Backs: Exchange type, Features, Headquarters, Proof of reserves
“Crypto12 is a regulated crypto exchange in Serbia - buy and sell Bitcoin and other cryptocurrencies directly via your bank account”
- crypto12.com/en/faq checked September 26, 2026
Backs: Coins listed, Fiat deposit methods, Support channels, Withdrawal fee
“The Crypto12 app currently supports BTC, ETH, USDT, USDC, XRP, SOL, ADA, DOGE, LTC, AVAX, LINK, DOT, POL, XLM, TRX, TON and PAXG”
- crypto12.com/faq checked September 26, 2026
Backs: Supported assets
- crypto12.com/naknade checked September 26, 2026
Backs: Taker fee
“Promotional fee for individuals - residents 0.95% (first EUR 10,000 of monthly turnover), standard fee 2.4%”
- nbs.rs/sr_RS/ciljevi-i-funkcije/nadzor-nad-finansijskim-i... checked September 26, 2026
Backs: Derivatives, Legal entity, Regulators, Licences
“Authorised services: receiving, transferring and executing orders relating to the purchase and sale of virtual currencies for the account of third parties; exchange of virtual currencies; custody and...”
- nbs.rs/sr/ciljevi-i-funkcije/nadzor-nad-finansijskim-inst... checked September 26, 2026
Backs: Custody
“Custody and administration of virtual currencies on behalf of the user of virtual currencies and related services. Portfolio management of virtual currencies.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
crypto12
A licensed custodial account in Serbia for buying a short list of major coins.