Finst review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finst suits European savers who want spot trading and staking inside a single regulated custodial account in the Netherlands. It operates as Finst B.V., lists 400 coins, and the offer scores 8.1 against 4.5 on cost, with proof of reserves published.
Key facts
- Best for
- Regulated custodial trading with staking in a single account.
- Taker fee
- 0.15%↗
- Coins listed
- 400↗
- Regulators
- Authority for the Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM)↗
- Fiat deposit methods
- SEPA, Bank↗
- Maker fee
- 0.15%↗
- Proof of reserves
- Yes↗
- Withdrawal fee
- Crypto withdrawal: variable network fee + 2.50 EUR third-party cost per withdrawal; EUR fiat withdrawal free↗
- Exchange type
- Cex↗
- Legal entity
- Finst B.V.↗
- Headquarters
- Netherlands↗
- Support channels
- Email, Chat, Phone, Help-centre, Community↗
- Features
- Custodial, Staking
- Official website
- finst.com
Crypto earn
- Yield
- 1.2% to 10%↗
- Supported assets
- ETH, SOL, TRX, ADA, TON, DOT, NEAR, POL, ALGO, ATOM, XTZ, INJ, TIA, KSM, CORE↗
- Lock-up terms
- No lock-up or bonding period↗
- Custody
- Custodial↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataTrustpilotLinkedInX
Pros and cons
Pros
- Regulated in the Netherlands by Authority for the Financial Markets (AFM) and Netherlands Authority for the Financial Markets (AFM).
- Support runs on email, chat and phone, including phone and chat.
- Fiat deposits work through sepa and bank, keeping funding in the euro system.
- Staking covers ETH, SOL and TRX, so the yield product sits inside the same account.
Cons
- Custody is custodial, so custodial means the exchange holds your coins rather than your own wallet.
- Fiat deposits run through sepa and bank only, so no card top-up is listed.
- Crypto withdrawals add a variable network fee plus a third-party cost, while euro withdrawals are free.
Who it suits
- European savers who want staking and trading in a single account.
- Holders who dislike lock-ups: No lock-up or bonding period.
- Readers who want reachable support, given the channels at email, chat and phone.
Who should look elsewhere
- Traders who want free trading: ActivTrades shows a taker fee of 0%.
- Buyers who want more coins listed: Bitpanda lists from 650 coins against Finst's 400.
- Traders unwilling to pay above Finst's rate: bunq taker fees run 0.25% to 1.99%.
How Finst compares
9.2 vs 9.5- 9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.7A taker fee of 0% makes trading costless there, against 0.15% at Finst.
9.2 vs 9.4
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 8.2
9.2 vs 9.7
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 8.6
Where Finst is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland
- Licence in Netherlands
- Authority for the Financial Markets (AFM) (41000015), checked September 26, 2026
- Licence in Netherlands
- Netherlands Authority for the Financial Markets (AFM) (MiCA CASP 724500UI8UD7HKGVJX65), checked September 26, 2026, also valid in Netherlands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to trade and withdraw on Finst?+
Maker and taker fees both sit at 0.15%, a little under the site median of 0.2%, so costs stay low for regular trading. Crypto withdrawals add a variable network fee plus a third-party cost per withdrawal, while euro withdrawals are free.
What yield does Finst staking pay?+
Staking covers ETH, SOL and TRX with yields running 1.2% to 10%, under the exchange median of 8.25%. Access stays open, since No lock-up or bonding period applies, so coins are not tied up for a fixed stretch.
Who regulates Finst?+
Finst runs as Finst B.V., registered in the Netherlands, and is authorised by Authority for the Financial Markets (AFM) and Netherlands Authority for the Financial Markets (AFM). Its entry on the crypto register reads MiCA CASP 724500UI8UD7HKGVJX65. Readers can check that register and the licence record before funding an account.
How do I deposit euros?+
Fiat deposits run through sepa and bank, so a SEPA transfer or a bank payment covers funding. Cards and wallets are not part of those listed methods, so plan on a bank transfer rather than an instant card top-up.
Who holds my coins?+
Custody here is custodial, so custodial means Finst holds the balances rather than an external wallet. Proof of reserves is published, giving readers something to check against, and staking runs on the same custodial platform.
How many coins can I buy?+
The listing covers 400 coins, well above the site median of 62 and above most brands ranked here. That range is wide enough for spot trading, while staking is limited to the ETH, SOL and TRX listed for it.
Can I get help from Finst?+
Support runs on email, chat and phone, so readers can reach the firm by email, chat, phone, help centre or community. A help centre is the most common support route on the site, and phone support is offered by 44.7% of the brands tracked.
Is Finst an exchange or a wallet?+
Finst is a custodial exchange: cex with custodial holdings and staking included. Spot trading, euro deposits through sepa and bank and staking all sit in a single account, which suits readers who would rather not move balances between providers.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=NL”
- finst.com/en checked September 26, 2026
Backs: Coins listed, Custody, Proof of reserves, Regulators, Support channels
“Invest in 400+ cryptocurrencies 24/7”
- finst.com/en/company checked September 26, 2026
Backs: Exchange type
“Finst is an Amsterdam-based cryptocurrency exchange”
- finst.com/en/fees checked September 26, 2026
Backs: Fiat deposit methods, Maker fee, Taker fee, Withdrawal fee
“iDEAL, Bancontact, instant SEPA bank transfer”
- finst.com/en/staking checked September 26, 2026
Backs: Supported assets, Features, Lock-up terms, Yield
“Currently, you can stake Ethereum (ETH), Cardano (ADA), Solana (SOL), Near Protocol (NEAR), Cosmos (ATOM), Polkadot (DOT), and Polygon (POL).”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.