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Licensed by the FIN-FSA350+ cryptocurrenciesLowest fees in the Nordics

Invest, trade and hold crypto with confidence

€0
Account fee
€0
Instant deposit
0.1%
Trading fee from

Discover the Nordics’ largest selection of cryptoassets with Kvarn X — combining deep market access, tight spreads, competitive fees, and professional trading tools.

Create a free account

A trusted partner for crypto traders and investors

Buy, trade and stake crypto, make instant fiat deposits and monitor your investments in real time.

Modern mobile and web app.

Buy, sell and track your portfolio anywhere, anytime. Download the app and get started in minutes.

Lowest fees in the Nordics.

Transparent pricing with no hidden fees — from as low as 0.1% (min. €1).

Largest selection.

The Nordics' broadest range of crypto assets, all under one roof.

Secure and regulated.

MiCA-licensed, domestic operator. Your assets are in good hands.

Taxes, made effortless.

Ready-made capital-gains calculations and transaction reports. Download and you're done.

Transparent pricing for every investor

Competitive fees across all asset classes. No hidden costs.

Crypto Trading

Level 3

0.8%

Level 2

0.6%

Level 1

0.4%

VIP

0.3%

Professional

0.2%

Institutional

0.1%

Your tier is based on your trading volume over the preceding 90 days — fees fall as volume grows.

Included at no extra cost

Applies to all tiers

Minimum fee
€1
Account maintenance
0 €
Fiat deposits
0 €
Custody / storage
0 €
View full pricing details
Kvarn X

Crypto made easy, in your pocket

Buy and sell Bitcoin, Ethereum, Solana, XRP and 350+ other cryptos. Automate recurring buys. Deposit euros from your bank in seconds.

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Kvarn X app: crypto portfolio, Bitcoin price chart and buying Bitcoin with euros

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.”

V

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.”

N

Name withheld

“Big plus: Finnish provider, wide crypto selection, and accountant-friendly reports. Funds have been safe and support often replies the same day.”

C

Customer

“Finnish provider with reasonable pricing, sensible product range, and strong support. The new app and web platform are now solid. Easy to recommend.”

H

Harri

“Finnish-language service that feels safer and is easy to use. Questions get answered very quickly, and reporting works well. I recommend it.”

K

Kai

“A good Finnish alternative: solid tax/accounting reports and smooth digital communication. Overall it works well for anyone diversifying.”

E

Entrepreneur

“Secure login and smooth fiat onramp—my bank hasn't questioned transfers like with other platforms. Reporting works well. Simple interface.”

J

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.”

C

Customer

“Wide selection, low fees, and transparent support. Regular meetings with my contact person help me stay on top of the market. 10/10 service.”

M

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.”

V

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.”

N

Name withheld

“Big plus: Finnish provider, wide crypto selection, and accountant-friendly reports. Funds have been safe and support often replies the same day.”

C

Customer

“Finnish provider with reasonable pricing, sensible product range, and strong support. The new app and web platform are now solid. Easy to recommend.”

H

Harri

“Finnish-language service that feels safer and is easy to use. Questions get answered very quickly, and reporting works well. I recommend it.”

K

Kai

“A good Finnish alternative: solid tax/accounting reports and smooth digital communication. Overall it works well for anyone diversifying.”

E

Entrepreneur

“Secure login and smooth fiat onramp—my bank hasn't questioned transfers like with other platforms. Reporting works well. Simple interface.”

J

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.”

C

Customer

“Wide selection, low fees, and transparent support. Regular meetings with my contact person help me stay on top of the market. 10/10 service.”

M

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.”

J

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.”

M

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.”

M

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.”

E

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.”

E

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.”

E

Entrepreneur, Uusimaa, Holding company

“Fiat onramp is straightforward and reporting is easy. Support and cooperation have been excellent.”

E

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.”

E

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.”

J

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.”

M

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.”

M

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.”

E

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.”

E

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.”

E

Entrepreneur, Uusimaa, Holding company

“Fiat onramp is straightforward and reporting is easy. Support and cooperation have been excellent.”

E

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.”

E

Entrepreneur, Satakunta, Holding company

FAQ

Frequently Asked Questions

Kvarn X has the lowest trading fees in the Nordics: the trading fee is as low as 0.1% (min. 1 €). The fee is based on your trading volume over the previous 90 days and falls from 0.8% down to 0.1% as your volume grows. Opening an account, euro deposits, account maintenance and custody of your crypto assets are free of charge. Pricing is transparent and there are no hidden fees. See our pricing for details.
The easiest and safest way to buy cryptocurrencies is through a regulated service supervised by a financial supervisory authority. Kvarn X is a Finnish crypto-asset service provider supervised by the Finnish Financial Supervisory Authority (FIN-FSA), giving you access to the widest crypto selection in the Nordics: over 350 cryptocurrencies. Opening an account is free and takes only a few minutes with your bank ID. After that you can make a euro deposit and start trading right away.
SEPA bank transfers are free of charge, with no per-transfer or daily limits. Depending on your bank, the funds usually appear in your account within 1-3 business days. If you have a Finnish online bank, you can also use the free instant deposit: you pay directly from your online bank and the funds are available for purchases immediately. The maximum is 50,000 € per deposit. You can also transfer your existing crypto assets to Kvarn X, or withdraw crypto assets to your own wallet. Read more: SEPA bank transfer and instant deposit. Other deposit and withdrawal guides are available in our help centre at help.kvarnx.com.
Tax practices for crypto assets have become established in most countries in recent years as the industry and its user base have grown. In general, gains from selling or exchanging crypto assets are taxed as capital gains, but the rules and rates vary between countries. Kvarn X provides free tax and accounting reports that make reporting your crypto taxes easier. You should always consult a tax professional on your own tax matters, especially when selling or trading crypto assets, using them for purchases, receiving income in crypto assets, or earning through validation or mining. Note: Kvarn X does not provide tax advice. Nothing above should be considered tax advice or an individual recommendation regarding taxation. Please contact a tax professional regarding your own tax matters.
A cryptocurrency is a digital currency whose security is based on cryptography. Unlike the so-called fiat currencies issued by central banks, cryptocurrencies have no centralised issuer. Instead, they are issued according to publicly known rules programmed into the cryptocurrency's protocol. Cryptocurrencies enable payments between parties without banks or other intermediaries. All cryptocurrency transactions are recorded on a public blockchain, whose correctness anyone can monitor and verify.
A blockchain is a way of organising information. Entries on the blockchain are bundled into blocks, and the blocks are arranged sequentially into a chain. The correctness of the blockchain is ensured cryptographically, which guarantees that neither the contents of the blocks nor their order can be changed afterwards. Blockchain technology enables a distributed ledger in which anyone can monitor and verify the correctness of the entries. The distributed ledger in turn makes trust possible between parties who do not know each other, without intermediaries that require trust. Cryptocurrencies are built on this distributed ledger and the trust it creates.
Opening an account is free and takes just a few minutes with your bank ID, in the Kvarn X app or in your browser. Once you have verified your identity, you can start trading immediately. Create your free account here. Download on the App StoreGet it on Google Play Please note that minors and persons under guardianship cannot currently open an account.
Kvarn X offers the widest selection of crypto assets in the Nordics: over 350 cryptocurrencies, from Bitcoin and Ethereum to new and emerging tokens. The wide selection lets you diversify your crypto investments effectively, and you will also find tokens that other Nordic services do not offer. You can browse the full selection in the token list on this page.
Yes. Kvarn X is a licensed crypto-asset service provider (CASP) and payment institution (PSP) supervised by the Finnish Financial Supervisory Authority (FIN-FSA). Client funds are segregated from the company's own assets in accordance with regulation, and crypto assets are held in an institutional-grade custody solution with multi-layered protection. The service is also monitored continuously and in real time for suspicious activity.
The history of the crypto sector is short compared with many other asset classes. The technologies behind the industry are still at an early stage of development, so investing involves industry risks typical of emerging technology. These include technological risk as well as risks related to usability and adoption. The rapid development of the industry has also made comprehensive regulation and effective supervision challenging to organise. The crypto market is a high-risk investment characterised by high volatility. With a professionally designed strategy and an appropriate investment horizon, the sector nevertheless offers an attractive long-term risk-return ratio. Given its risk level, the allocation to the sector is typically moderate, for example 1-5% of the total portfolio, and should be determined case by case according to your risk profile and investment horizon.
Bitcoin is the world's first and, by market value, largest cryptocurrency. Bitcoin enables payments between parties who do not know each other in a way that lets both parties trust and verify that the payment has been executed correctly, without banks or other intermediaries. The issuance of Bitcoin is predetermined in its code and halves roughly every four years. The final total supply of Bitcoin will be about 21 million. Bitcoin was created in 2009. You can buy Bitcoin on Kvarn X with a trading fee as low as 0.1%.
Kvarn X is a regulated trading platform that gives private investors and institutions access to the widest crypto selection in the Nordics at the lowest fees in the Nordics, with professional-grade liquidity and comprehensive reporting. Kvarn X: for traders and investors Over 350 cryptocurrencies, advanced trading tools, secure custody and free tax and accounting reports. Kvarn X Pro: for demanding investors A personal contact person, the industry's most trusted expert insight, up-to-date market reviews and professional investment tools.
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START INVESTING IN CRYPTO IN MINUTES

The crypto market in your pocket.