B2BX Crypto Exchange Review 2025: Fees, Security, and Features
B2BX Fee Calculator
Current Fee Tiers
| Volume Range | Maker Fee | Taker Fee |
|---|---|---|
| Below €500K | 0.10% | 0.20% |
| €500K - €1M | 0.05% | 0.15% |
| Above €1M | 0.00% | 0.05% |
Your Estimated Monthly Trading Costs
Quick Takeaways
- B2BX is a fully regulated European exchange with an Estonian FIU license.
- Institutional‑grade liquidity gives average depth of €2.8million on top pairs.
- Fiat on‑ramps include SEPA, SWIFT and FasterPayments; deposits are instant for EUR.
- Security stack features mandatory KYC, Google Authenticator 2FA, biometric login and 95% cold storage.
- Fees start at 0.10% maker and 0.20% taker, dropping to zero maker for high‑volume traders.
When you hear the name B2BX is a regulated European cryptocurrency exchange launched in 2018, the first thing that comes to mind is its focus on compliance and institutional‑grade liquidity. In this B2BX review, we’ll walk through what the platform actually offers, how it stacks up against the big players, and who will get the most value from it.
What Is B2BX?
The exchange is headquartered in Estonia and operates under license number 544547 from the Estonian Financial Intelligence Unit (FIU). The license explicitly allows three core activities: crypto‑fiat exchange, virtual‑currency wallet services, and crypto‑crypto exchange. Because the FIU is part of the European Union’s AML/CFT framework, European users enjoy a level of legal certainty that many offshore platforms lack.
Core Features
B2BX packs a surprisingly rich toolbox for a platform its size. Below are the eight headline features most traders interact with daily.
- Fiat Gateway: Supports EUR, USD and GBP via SEPA, SWIFT and FasterPayments.
- Credit‑Card Purchases: Visa and Mastercard integration for instant buys.
- Margin/Leverage Trading: Up to 5× leverage on major pairs.
- HybridDEX: A proprietary decentralized‑exchange layer that lets users trade on‑chain without leaving the UI.
- Launchpad: Hosts IEOs for vetted projects.
- Desktop App: Native Windows and macOS clients for power users.
- Mobile Apps: iOS (v3.2.1) and Android (v3.2.0) with push notifications.
- OTC Desk: Handles trades >$50000 with dedicated account managers.
All of these services sit behind the same login, which means retail traders can access institutional tools without juggling multiple accounts.
Fees & Trading Costs
The fee schedule is tiered by 30‑day volume. New users start with a 0.10% maker fee and 0.20% taker fee. As you push past €500000 in monthly volume, maker fees drop to 0% and taker fees settle at 0.05%. Deposit fees are nil for SEPA and FasterPayments; SWIFT withdrawals carry a flat €15 charge. Credit‑card purchases incur a 2.5% surcharge, which is standard across the industry.
Security & Compliance
Security is the backbone of the platform. The exchange enforces mandatory KYC verification, which typically takes 2-3 business days. Once you’re in, you can lock your account with Google Authenticator 2FA or biometric login on supported devices.
Assets are stored 95% offline in cold wallets, while the remaining 5% sits in a hot pool for withdrawals. The hot pool is insured by Lloyd's of London for up to €1000000 per account (policy #BX2025‑INS‑88742). In practice, users report average withdrawal processing times of 24hours for crypto and instant for EUR SEPA deposits.
Fiat On‑Ramp & Withdrawal Options
European traders benefit most from the SEPA integration: deposits appear in your exchange wallet within seconds, according to a Reddit user who logged a 3‑second credit. For non‑Euro users, SWIFT transfers take 3-5 business days, while UK customers can tap FasterPayments for instant GBP moves.
Withdrawal limits start at €1000 per day for standard accounts and increase to €100000 per day for verified institutional clients. The OTC desk bypasses these caps for large moves, which is useful for businesses managing sizable cash flows.
Pros & Cons
| Pros | Cons |
|---|---|
| Regulated by Estonian FIU, offering EU legal certainty. | Crypto selection limited to 147 assets, far fewer than Binance. |
| Institutional‑grade liquidity (avg. €2.8M depth on top pairs). | Leverage capped at 5×, less than derivatives‑focused platforms. |
| Robust fiat gateways (SEPA, SWIFT, FasterPayments). | Fee tier information buried; new users must hunt for details. |
| Comprehensive security (KYC, 2FA, biometric login, 95% cold storage, insurance). | Small user‑review base (8 verified reviews on Cryptogeek) limits statistical confidence. |
| REST and WebSocket API (v2.4) for algo traders. | Limited educational content compared to larger exchanges. |
How Does B2BX Compare?
| Feature | B2BX | Binance | Kraken |
|---|---|---|---|
| Regulatory status | Estonian FIU license (EU‑compliant) | Unregulated in EU, licensed in Malta | U.S. & EU registered, FINMA (Switzerland) approved |
| Supported fiat currencies | EUR, USD, GBP | 20+ fiat, but most require third‑party partners | EUR, USD, GBP, JPY |
| Max leverage | 5× | 125× (BTC) | 5× (spot), 50× (futures) |
| Number of cryptocurrencies | 147 | 700+ | 466 |
| Average order‑book depth (top 10 pairs) | €2.8M | €12M | €5M |
| Insurance coverage | €1M per account (Lloyd's) | None (self‑custody only) | None disclosed |
Who Should Use B2BX?
If you are a European trader who values regulatory clarity, need fast EUR deposits, and occasionally handle large OTC trades, B2BX feels like a natural fit. Institutional funds or businesses that demand insured hot wallets will also appreciate the insurance and 24/7 dedicated support.
Conversely, high‑risk margin traders looking for 100× leverage or crypto enthusiasts chasing obscure altcoins may find the platform too limited. In that case, a larger exchange with broader asset coverage could be more appropriate.
Final Verdict
B2BX isn’t trying to be the Binance of Europe, and that’s by design. Its regulated status, deep liquidity on major pairs, and strong security posture make it a reliable choice for traders who prioritize safety and fiat convenience over sheer variety. The main drawbacks-smaller coin list and modest leverage-are unlikely to deter mainstream investors. Keep an eye on its roadmap; the planned expansion to 200+ assets and a staking layer could push the exchange further up the European ladder.
Frequently Asked Questions
Is B2BX regulated in the EU?
Yes. B2BX holds an FIU license (registration #544547) from Estonia, which aligns it with EU anti‑money‑laundering directives.
What fiat currencies can I deposit?
EUR, USD and GBP are supported via SEPA, SWIFT and FasterPayments. EUR SEPA deposits are instant.
How does the insurance work?
Lloyd's of London provides coverage up to €1000000 per account for assets held in the hot wallet. Cold‑storage assets are not covered because they are offline.
Can I trade via API?
Yes. B2BX offers REST and WebSocket API version 2.4 for algorithmic trading, with rate limits suitable for most bots.
What is the maximum leverage?
B2BX caps margin trading at 5× for major pairs. It does not offer ultra‑high leverage products.
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Akinyemi Akindele Winner
October 10, 2025 AT 23:30Patrick De Leon
October 11, 2025 AT 03:39MANGESH NEEL
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