Paybis Europe review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paybis Europe is a custodial exchange for European buyers who want to fund an account by card, bank and sepa and trade without handling keys. It lists 100 to 999 and is authorised in Latvia, so the trade-off is convenience and breadth against holding power.
Key facts
- Best for
- Fiat-funded buying with card, bank and sepa under a MiCA licence in Latvia.
- Coins listed
- 100 to 999↗
- Regulators
- MiCA Crypto Asset Service Provider (Latvia), Payment Institution under PSD2 (Latvia), FinCEN Money Service Business, FINTRAC Money Service Business, Latvijas Banka↗
- Fiat deposit methods
- Card, Bank, SEPA, ACH, Apple-pay↗
- Withdrawal fee
- Network (miner) fee, Low/Medium/High selectable↗
- Exchange type
- Cex↗
- Legal entity
- SIA "Paybis Europe"↗
- Headquarters
- Latvia↗
- Founded
- 2014↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Custodial
- Official website
- paybis.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXyoutube.com
Pros and cons
Pros
- Deposits run through card, bank and sepa, so card, bank, SEPA and ACH routes are all open.
- Regulated in Latvia as a MiCA Crypto Asset Service Provider and a payment institution, plus FinCEN and FINTRAC registrations: MiCA Crypto Asset Service Provider (Latvia), Payment Institution under PSD2 (Latvia) and FinCEN Money Service Business.
- A custodial wallet, custodial, removes seed phrase and key management.
- Lists 100 to 999 coins, far more than ActivTrades at 9.
Cons
- Custodial, so the platform holds the keys rather than you: custodial.
- Support runs on email, chat and help centre only, with no phone line listed.
- Withdrawals add a network (miner) fee: Network (miner) fee, Low/Medium/High selectable.
Who it suits
- European buyers paying in by card, bank transfer or SEPA who want fiat and crypto in the same account.
- Anyone who prefers a custodial wallet and would rather not manage keys.
- Users in Latvia and the EU who want a MiCA licensed crypto service provider and a payment institution counterparty.
Who should look elsewhere
- Coin maximalists, since Bitpanda lists from 650 coins to the 100 to 999 range here.
- Traders who need a phone desk, because support is listed as email, chat and help centre only.
- Self-custody seekers, since the wallet here is custodial and you hold a balance, not keys.
How Paybis Europe compares
9.6 vs 9.5- 9.6 vs 9.3
9.6 vs 9.2
9.6 vs 9.7Lists 9 coins, so it fits a small trading basket rather than a broad crypto catalogue.
9.6 vs 9.4
9.6 vs 9.6
9.6 vs 9.0
9.6 vs 9.0
9.6 vs 9.0
9.6 vs 9.0
9.6 vs 8.9
9.6 vs 9.0
9.6 vs 8.2
9.6 vs 8.2
9.6 vs 9.7
9.6 vs 9.4
9.6 vs 9.3
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.1
9.6 vs 9.0
9.6 vs 8.7
9.6 vs 8.6
Where Paybis Europe is available
- Available
- Everywhere except Afghanistan, Belarus, Democratic Republic of the Congo, Central African Republic, Cuba, Ethiopia, India, Iraq, Iran, North Korea, Lebanon, Libya, Mali, Myanmar, Nicaragua, Palestine, Russia, Sudan, Somalia, South Sudan, Syria, Venezuela, Yemen
- Licence in Latvia
- MiCA Crypto Asset Service Provider (Latvia) (27-55/2026/6), checked September 26, 2026
- Licence in Latvia
- Payment Institution under PSD2 (Latvia) (27-55/2026/7), checked September 26, 2026
- Licence in United States
- FinCEN Money Service Business (31000272911973), checked September 26, 2026
- Licence in Canada
- FINTRAC Money Service Business, checked September 26, 2026
- Licence in Latvia
- Latvijas Banka (MiCA CASP 259400LUESNGU5XM2J49), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does it cost to withdraw crypto?+
Crypto withdrawals carry a network (miner) fee, and you choose a low, medium or high speed: Network (miner) fee, Low/Medium/High selectable. That cost sits on top of the exchange's own charges, so it weighs most on small transfers to an external wallet. Larger moves or cheaper networks reduce its share of the total.
How do I deposit euros or dollars?+
Deposits go in by card, bank and sepa, covering cards, bank transfers, SEPA and ACH. A bank route suits larger sums where card limits bind, while a card or mobile wallet payment suits smaller buys. The same account holds your fiat balance and your crypto.
Is Paybis Europe regulated?+
On several fronts. The listed regulators are MiCA Crypto Asset Service Provider (Latvia), Payment Institution under PSD2 (Latvia) and FinCEN Money Service Business. The Latvian entity is authorised as a MiCA Crypto Asset Service Provider under licence 27-55/2026/6 and as a payment institution under licence 27-55/2026/7, with Latvijas Banka appearing on the register as MiCA CASP 259400LUESNGU5XM2J49.
Who holds the coins I buy?+
Paybis Europe does, while you hold a balance on the platform. The wallet is custodial, custodial, so there is no seed phrase for you to record and no external wallet to set up. The trade-off is control: coins sitting on a custodial platform depend on that company, so keep only what you need there.
How many coins are listed?+
The catalogue runs to 100 to 999. For scale, Bitpanda shows from 650 and bunq from 350, while ActivTrades lists 9. The median coin count across the site's exchange listings is 62, which places the range here in the broader part of the market.
How do I reach support?+
Support runs on email, chat and help centre: a help centre for the routine questions, live chat for the quick ones and email for anything that needs a record. There is no phone line in that list, so a stuck withdrawal or a funds issue is better raised in writing and kept on file.
Where is the company based?+
The European entity is SIA "Paybis Europe", headquartered in Latvia: LV. It was founded in 2014 and operates as a custodial exchange, cex. For an EU buyer that means the payment side and the crypto side sit with the same Latvian counterparty, keeping compliance in a single place.
How do its trading fees compare?+
The site's median taker fee across all listings is 0.2%, and the exchange ranking median is 0.2%, with the lower quartile at 0.1% and the upper quartile at 0.5%. In the buy-crypto ranking the median is 0.25%. Check the fee table in your own account before trading.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=LV”
- paybis.com checked September 26, 2026
Backs: Coins listed, Exchange type, Fiat deposit methods, Founded, Regulators, Support channels
“Free Paybis Wallet for hundreds of cryptos”
- paybis.com/crypto-wallet checked September 26, 2026
Backs: Features
“The Paybis wallet is a custodial wallet and hence it would not be possible to create an anonymous wallet at Paybis”
- support.paybis.com/hc/en-us/articles/5572962372381-How-to... checked September 26, 2026
Backs: Withdrawal fee
“You must pay a network (miner) fee to process the transfer on the blockchain. Our system selects "Medium" by default, but you can adjust it”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Taker fee.
Related by the facts
Paybis Europe
Fiat-funded buying with card, bank and sepa under a MiCA licence in Latvia.