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Introduction
For Dutch and European users, buying BTC with euros is a daily need. Costs vary enormously: from 0.01% spread on large EU exchanges to 0.11% on retail-focused Dutch platforms — and beyond.
BTC/EUR spread benchmarks
| Platform type | BTC/EUR spread |
|---|---|
| Large EU crypto exchange | 0.01% - 0.05% |
| Retail-focused Dutch platform (e.g. Bitvavo) | ~0.11% (on USDC conversion) |
| Payment-integrated platform | 0.15% - 0.50% |
| Broker with crypto | 0.50% - 1.50% |
Retail vs institutional platforms
Retail platforms are accessible but usually pricier on execution. Pros: good EUR rails via iDEAL, quick onboarding, local language support. Cons: higher (hidden) spread, less product diversity, no advanced features. Institutional platforms offer tighter spreads but expect more trading knowledge.
SEPA or instant deposit?
- SEPA transfer: free, usually 1-2 business days
- iDEAL: instant, sometimes 0.5-1.5% fee
- Card: instant, expensive (2-3.5%)
- Crypto deposit: instant (after confirmations)
For larger amounts SEPA is generally cheapest.
Frequently asked questions
What is the cheapest way to buy BTC with euros?
Large EU-licensed exchanges with tight spreads and free SEPA deposits.
Is 0.11% a lot?
On 1 BTC (€60,000): €66 per conversion. Monthly purchases add up.
Ready to compare exchanges?Open the cost calculator