One place for all your investments
Everything you need to start investing is here. From Stocks & ETFs to crypto — buy, sell, and manage it all in one place.
Download the app
Scan for iOS or Android
Investing always involves a risk of capital loss. The value of financial instruments and investments can go up or down, and past performance is not a guarantee of future returns.
Everything you need to invest across all asset classes
Professional-grade tools and infrastructure designed for serious investors
Navigate inflation
with commodities
Take a position in gold, silver and other precious metals.
Monthly savings with
the Nordics'
lowest fees
Over 400 cryptocurrencies
with no hidden fees, starting from just 0.1%
Popular cryptos
Navigate inflation
with commodities
Take a position in gold, silver and other precious metals.
Monthly savings with
the Nordics'
lowest fees
Over 400 cryptocurrencies
with no hidden fees, starting from just 0.1%
Respected and Trusted Investment Leaders
Gain access to products from the world's leading issuers and visionary asset managers
Why Kvarn X?
Simplicity
Buy, sell and trade across all asset classes easily, from your desktop or mobile.
Get the app→
Education
Investing shouldn't be cryptic — learn about markets, trading, and portfolio strategies.
Kvarn Academy→
Mag-7 or Lag-7?
Is market leadership shifting away from the Magnificent Seven? While the S&P 500 moves sideways, a clear rotation is unfolding beneath the surface: Mag-7 stocks are struggling, the rest of the market is gaining strength, Japan and emerging markets are outperforming the U.S., and Bitcoin has dropped to test the $60,000 level. Are we witnessing the start of a new market phase — or just a pause before the next move higher?
Read more→
Discover your investment style
Explore curated investment themes and build a modern portfolio that aligns with your values, goals, and market outlook.
CRYPTO PRICES
Buy Bitcoin, Ethereum and over 400 cryptocurrencies
Eos
ChainLink
Cardano
USD Coin
PolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygonEosChainLinkCardanoUSD CoinPolygon
Kusama
Ethereum
Polkadot
XRP
LitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoinKusamaEthereumPolkadotXRPLitecoin
Bitcoin
AvalancheEthereum
CompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoBitcoinAvalancheEthereumCompoundCardanoUSD Coin
Uniswap
Tezos
Solana
StellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarUSD CoinUniswapTezosSolanaStellarYour assets, our priority.
Kvarn X provides institutional-grade security for your crypto assets. Crypto asset and payment services are provided by Kvarn Capital Oy, a licensed crypto-asset service provider and payment institution. Investment services are provided by Kvarn Investment Services Oy, a licensed investment firm. Client assets are held separately from company assets in accordance with regulation.
Your security is our priority
All client assets are held in secure, regulated custody — with institutional-grade protections at every level.
The highest compliance standards
We operate in full compliance with EU and Finnish financial regulation.
FIN-FSA supervised
Kvarn X is fully supervised by the Finnish Financial Supervisory Authority and regularly audited.
Transparent pricing for every investor
Competitive fees across all asset classes. No hidden costs.
Crypto Trading
Level 3
0.8%
Trading volume 0 - 10,000 euros in the preceding 90 days.
Level 2
0.6%
Trading volume 10,001 - 100,000 euros in the preceding 90 days.
Level 1
0.4%
Trading volume 100,001 - 500,000 euros in the preceding 90 days.
VIP
0.3%
Trading volume 500,001 - 5,000,000 euros in the preceding 90 days.
Professional
0.2%
Trading volume 5,000,001 - 20,000,000 euros in the preceding 90 days.
Institutional
0.1%
Trading volume over 20,000,000 euros in the preceding 90 days.
Included at no extra cost
Applies to all tiers
WE LISTEN TO OUR CUSTOMERS
What our customers say about us
“Clear, easy-to-use Finnish service: prices, trade receipts and fees show in euros. Selling and withdrawals are fast, fees are stable, and support has been reliable.”
Ville
“Chose Kvarn X for Finnish language and lower fees. Mobile app works well most of the time and reports are easy. Customer service is excellent.”
Name withheld
“Big plus: Finnish provider, wide crypto selection, and accountant-friendly reports. Funds have been safe and support often replies the same day.”
Customer
“Finnish provider with reasonable pricing, sensible product range, and strong support. The new app and web platform are now solid. Easy to recommend.”
Harri
“Finnish-language service that feels safer and is easy to use. Questions get answered very quickly, and reporting works well. I recommend it.”
Kai
“A good Finnish alternative: solid tax/accounting reports and smooth digital communication. Overall it works well for anyone diversifying.”
Entrepreneur
“Secure login and smooth fiat onramp—my bank hasn't questioned transfers like with other platforms. Reporting works well. Simple interface.”
Johnny
“Moved from another Finnish provider for lower fees and wider selection. Buys go through fast, reports look good, and support was quick and professional.”
Customer
“Wide selection, low fees, and transparent support. Regular meetings with my advisor help me stay on top of the market. 10/10 service.”
Male
21 years old
“Clear, easy-to-use Finnish service: prices, trade receipts and fees show in euros. Selling and withdrawals are fast, fees are stable, and support has been reliable.”
Ville
“Chose Kvarn X for Finnish language and lower fees. Mobile app works well most of the time and reports are easy. Customer service is excellent.”
Name withheld
“Big plus: Finnish provider, wide crypto selection, and accountant-friendly reports. Funds have been safe and support often replies the same day.”
Customer
“Finnish provider with reasonable pricing, sensible product range, and strong support. The new app and web platform are now solid. Easy to recommend.”
Harri
“Finnish-language service that feels safer and is easy to use. Questions get answered very quickly, and reporting works well. I recommend it.”
Kai
“A good Finnish alternative: solid tax/accounting reports and smooth digital communication. Overall it works well for anyone diversifying.”
Entrepreneur
“Secure login and smooth fiat onramp—my bank hasn't questioned transfers like with other platforms. Reporting works well. Simple interface.”
Johnny
“Moved from another Finnish provider for lower fees and wider selection. Buys go through fast, reports look good, and support was quick and professional.”
Customer
“Wide selection, low fees, and transparent support. Regular meetings with my advisor help me stay on top of the market. 10/10 service.”
Male
21 years old
“Kvarn X stood out for security, experienced team, and a truly diverse product range. I've shifted most investments to crypto; Kvarn X is a 10/10 service.”
Joonas
34 years old
“Fairly broad selection, low fees, and reliability. I'm risk/return oriented and see crypto as a future asset class. Overall rating: 8.”
Male
45 years old
“Personal contact and a Finnish provider mattered most: easy fiat onramp and tax reporting, plus strong market insight. Service has felt genuinely personal.”
Male
“We chose Kvarn X because it's a Finnish, FSA-regulated provider with clear fees. Trading works smoothly, reports are easy for accounting/tax, and support responds fast.”
Entrepreneur, Uusimaa, Holding company
“A Finnish, FSA-regulated choice with easy use, growing selection, and competitive fees. Reporting is very clear for bookkeeping. Everything has worked smoothly.”
Entrepreneur, Uusimaa, Law firm
“Being Finnish gave our partners confidence. Everything has worked extremely well, and customer service has been '6 out of 5'. I've recommended Kvarn X widely.”
Entrepreneur, Uusimaa, Holding company
“Fiat onramp is straightforward and reporting is easy. Support and cooperation have been excellent.”
Entrepreneur, Southwest Finland, Real estate asset management
“Finnish provider and free tax reports were key. Our first tax filing was easy using Kvarn's reports. Support has been quick and straightforward.”
Entrepreneur, Satakunta, Holding company
“Kvarn X stood out for security, experienced team, and a truly diverse product range. I've shifted most investments to crypto; Kvarn X is a 10/10 service.”
Joonas
34 years old
“Fairly broad selection, low fees, and reliability. I'm risk/return oriented and see crypto as a future asset class. Overall rating: 8.”
Male
45 years old
“Personal contact and a Finnish provider mattered most: easy fiat onramp and tax reporting, plus strong market insight. Service has felt genuinely personal.”
Male
“We chose Kvarn X because it's a Finnish, FSA-regulated provider with clear fees. Trading works smoothly, reports are easy for accounting/tax, and support responds fast.”
Entrepreneur, Uusimaa, Holding company
“A Finnish, FSA-regulated choice with easy use, growing selection, and competitive fees. Reporting is very clear for bookkeeping. Everything has worked smoothly.”
Entrepreneur, Uusimaa, Law firm
“Being Finnish gave our partners confidence. Everything has worked extremely well, and customer service has been '6 out of 5'. I've recommended Kvarn X widely.”
Entrepreneur, Uusimaa, Holding company
“Fiat onramp is straightforward and reporting is easy. Support and cooperation have been excellent.”
Entrepreneur, Southwest Finland, Real estate asset management
“Finnish provider and free tax reports were key. Our first tax filing was easy using Kvarn's reports. Support has been quick and straightforward.”
Entrepreneur, Satakunta, Holding company
BECOME A KVARN X CUSTOMER IN MINUTES
Fast. Easy. Reliable.
Download the Kvarn X App