Exmo vs WhiteBIT: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Exmo and WhiteBIT This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on September 13, 2025

Exmo

WhiteBIT

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

Yes

United States

yes

Europe

yes

Latin America

yes

India

China

Canada

United Kingdom

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Exmo is ideal if:

Effortless for beginners — EXMO shines with a clean and intuitive interface that makes entering the crypto world straightforward, even for newcomers.
Strong foundational tools — It offers essential order types (market, limit, stop), solid security layers, and mobile access—delivering the essentials without overcomplicating things.
Reward-friendly experience — If you enjoy added incentives, EXMO’s ecosystem includes perks via its native token and Earn program, enriching your engagement beyond standard trading.

WhiteBIT is ideal if:

Secure & regulated choice: A centrally licensed European exchange with strong security protocols and asset insurance — ideal if regulation and safety matter to you.
Feature-rich yet user-friendly: Offers diverse tools like lending, demo trading, margin/futures, and intuitive design — perfect for traders who want flexibility without complexity.
Integrated WBT benefits: Holding the native WBT token unlocks perks like reduced fees, referral boosts, and free services — great if you plan to engage actively with the platform.

Exmo isn’t ideal if:

If you need advanced trading tools, EXMO may feel limiting due to the absence of high-end features favored by professional traders.
If rapid customer support matters, response times can lag behind competitors, which might frustrate users seeking instant help.
If you're after aggressive margin use, EXMO offers modest leverage, so it’s not the best choice for high-risk, high-reward strategies.

WhiteBIT isn’t ideal if:

Limited altcoin library: Offers fewer niche tokens compared to large global exchanges, which may constrain you if you seek rare assets.
Fiat and region constraints: Some deposit methods and countries aren’t supported—so users outside well-covered regions or needing specific fiat options may face limitations.
Customer support delays: While multiple channels are available, response times can sometimes lag, affecting fast-paced or urgent needs.

Fees & Total Costs

Spot Maker/Take

EXMO applies a tiered fee structure where both maker and taker fees decrease as your 30-day trading volume rises—from standard spot levels down to zero or even negative rates at very high volumes—while EXMO-Coin-backed Premium packages offer additional, fixed discounts ranging from modest savings to full fee waivers.

Spot trading starts with equal maker and taker fees of 0.1% each, and high-volume or WBT token holders can unlock steep fee discounts—even reaching negative maker rates or nearly eliminated taker costs under certain conditions.

Futures/Derivatives

EXMO currently focuses exclusively on spot and margin trading and does not support futures or derivative products, so maker/taker and funding fees for such instruments are not applicable.

Futures trading offers ultra-competitive fees, with maker rates around 0.01% and taker rates around 0.035%, while funding rates apply dynamically based on market direction, paid between long and short counterparties to balance perpetual contract prices.

Average Spreads on Liquid Pairs

While precise spreads aren’t publicly listed, EXMO’s tight pairing on major BTC/USDT and ETH/USDT markets suggests they remain competitive in line with typical centralized exchange benchmarks.

Popular pairs like BTC/USDT and ETH/USDT enjoy very tight bid-ask spreads—usually around 0.01–0.05%, reflecting strong liquidity and minimal cost slippage when executing market orders.

Fiat Deposits & Withdrawals

You can deposit and withdraw fiat by card, bank transfers (SEPA, wire), and e-channels; deposit fees and limits depend on your chosen method, with processing times ranging from under an hour to up to three business days for traditional transfers.

Fiat services include card payments and regional e-wallets, with modest processing fees (e.g., an approximate 1.5% rate min. 0.5 GBP up to a cap), and settlement times typically range from near-instant to a few business days depending on the method and region.

On-chain Withdrawals

Crypto withdrawals follow dynamic, network-based fees—varying by coin and network congestion—rather than flat fees, and the specific fee for each asset is shown at the time of withdrawal.

Crypto withdrawals incur blockchain-based fees that vary by asset and network; rather than fixed internal fees, you pay the real network cost for BTC, ETH, TRX, etc., which updates dynamically with network congestion.

Hidden Costs

Although EXMO avoids surprise charges, users should note possible currency conversion margins, low inactive-account charges, and potential priority processing fees for expedited verification or transfers, depending on circumstances.

Beyond trading and withdrawal costs, users may face secondary charges—like currency conversion spreads, inactivity fees, or expedited identity verification fees—that subtly increase total cost if not accounted for.

Real-World Cost Example: “€500 BTC

Suppose you buy €500 worth of BTC via fiat—your cost includes a starting trading fee (based on spot or fiat tiers), the market spread embedded in the execution price, and a dynamic crypto withdrawal charge when you transfer BTC out—which together form the total effective cost of the transaction.

Buying €500 worth of BTC would cost a small trading fee (spot maker/taker), a tightening-spread cost reflecting the bid/ask gap, and one withdrawal cost determined by blockchain network conditions—delivering a transparent but slightly higher total than nominal BTC value.

Crypto Offering & Trading Features

Number of Coins & Pairs

EXMO supports around 90–100 different cryptocurrency assets and approximately 150–235 trading pairs, while its top 20 by volume include major names like BTC, ETH, ADA, DOT, LINK, XRP, SOL, LTC, AAVE, UNI, XLM, BCH, EOS, ATOM, FIL, VET, ZEC, XMR, TRX, and more.

WhiteBIT supports over 330 cryptocurrencies with more than 550–780 spot pairs and around 180–200 futures pairs, featuring top liquid volumes like BTC/USDT and ETH/USDT in its leading offerings.

Product Range

The platform offers spot trading (including margin with up to ~30× leverage), staking via the Earn program, OTC services, and automated features like copy-trading and third-party grid or trading bots—however, it does not support derivatives such as perpetuals, options, ETFs, or crypto loans.

The platform offers spot, margin (up to 10× leverage), perpetual futures (up to 100× leverage), staking/earn, crypto lending, plus tools like DEX, WhiteSwap, auto-invest (DCA), but doesn’t currently list options, ETFs, copy trading, or grid bots.

Liquidity

EXMO’s daily trading volume generally ranges from tens to a few tens of millions of dollars, with BTC/USDT and ETH/USDT among its most liquid pairs—indicative of a mid-tier liquidity exchange offering reasonable depth for retail and many pro traders.

WhiteBIT handles daily volumes exceeding $1–1.4 billion, and the BTC/USDT and ETH/USDT pairs show deep order book depth with multi-million-dollar bids and asks, ensuring solid execution.

Tools

Traders can place market, limit, and stop orders; enjoy basic charting and alerts; and leverage web and mobile APIs—and while advanced tools like native TradingView charts aren’t built in, external integrations via API are possible.

You get standard and advanced orders (limit, market, stop-limit, stop-market, OCO), platform alerts, powerful charting interfaces, plus API/websocket access and native integration with TradingView for both spot and futures.

Geographic Restrictions by Product

While spot and staking are widely available, margin trading may be restricted or unavailable in certain jurisdictions—particularly the US and other regions where regulations limit leverage products.

Certain products like futures or margin may be restricted in specific jurisdictions (e.g., the U.S. and a few others), while some regions also face limits on fiat methods or lending services.

Innovation

EXMO’s Earn offering includes flexible staking that allows daily rewards and instant withdrawals, enabling compounding without locking funds; though it doesn’t currently offer launchpad or launchpool-style token launch features, its flexible earn model is a standout.

WhiteBIT includes launchpad functionality (exclusive token offerings for WBT holders) and offers both flexible and locked staking/earn options, adding modern utility for active community participants.

Security, Regulation & Custody

Operating Entity & Jurisdiction

EXMO operates under its legal entity EXMO EXCHANGE LTD., established around 2013–2014 and headquartered in the UK, functioning within British jurisdictional frameworks including AML/KYC mandates and the EU’s Fifth Anti-Money Laundering Directive (5AMLD).

WhiteBIT operates under the legal umbrella of multiple entities—primarily UAB Clear White Technologies in Lithuania (founded in 2018, headquartered in Vilnius), with regional branches in the Czech Republic, Poland, Bulgaria, Australia, Hong Kong, Saint Vincent & the Grenadines, and Georgia to support global operations.

Licenses/Registration

While EXMO is registered in the UK and complies with AML and KYC obligations, it does not hold formal licenses such as VASP or MiCA—operating without formal regulatory approvals from major bodies like the FCA or SEC, though it aligns with regional compliance best practices.

The exchange holds Virtual Asset Service Provider (VASP) licensing in several jurisdictions (notably across parts of the EU), aligning with evolving regulatory frameworks like MiCA, and has recently expanded into markets such as Italy, Croatia, and Kazakhstan under appropriate local supervision.

Custody

The platform uses a hybrid custody model—hot wallets for daily transactions and cold storage for the bulk of assets—with routine security audits to bolster safety; however, there’s no public proof of reserves or explicit percentage breakdown of cold vs. hot holdings.

WhiteBIT keeps approximately 96% of user funds in cold storage (multisig-protected), audited by a third party (Hacken) to confirm 1

Insurance & Protection Funds

EXMO maintains an internal insurance fund to provide some level of user asset protection against unforeseen events, though this is not comparable to coverage offered by major traditional financial insurers.

The platform maintains an insurance fund—sourced from trading fees—that covers its cold storage holdings, with protections currently valued at around $30 million USD to shield users against losses from unforeseen incidents.

Incident History

EXMO has experienced operational challenges—such as platform downtimes and withdrawal delays—and notable events like the 2017 kidnapping of its Managing Director, leading to heightened scrutiny; no major security breaches have been publicly confirmed since.

WhiteBIT has never suffered a known hack. It actively works with law enforcement, enforces strict AML controls, and maintains a bug bounty program; no freezes, major suspensions, or punitive fines have been reported.

Risk Controls

The platform offers strong security tools like 2FA (now moving toward Google Authenticator and passkeys), trusted IP whitelisting, anti-phishing email measures, and granular notification settings, enhancing account protection and risk mitigation.

The platform enforces multiple layered security measures, including mandatory 2FA, anti-phishing codes, IP and address whitelisting, granular API permissions, and optional sub-account creation to segment risk.

Transparency

EXMO emphasizes user data security and transaction integrity but does not offer frequent public reports like monthly transparency statements or live wallet addresses, and it lacks a formally published SLA for uptime or service levels.

WhiteBIT demonstrates commitment to transparency via regular Proof-of-Reserves reports, although detailed monthly financial or SLA disclosures and public wallet listings are limited; communication with regulators and law enforcement remains active.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

You can deposit fiat via bank transfers (SEPA, wire), Visa/Mastercard cards, and various e-wallets; minimum and maximum limits vary by method and currency, can be found in your account, and deposits typically arrive within 1 minute to around an hour depending on the channel.

WhiteBIT accepts fiat deposits via bank cards (Visa/MasterCard), SEPA transfers (for EUR), Apple Pay, Google Pay, Checkout, Volet.com, and ZEN, with minimums typically around € 10 or equivalent. Deposit speeds vary: card and e-wallet methods often process within minutes, while SEPA transfers may take several business days.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

New users must complete identity verification to access core features; additional levels like address or card verification unlock higher deposit/withdrawal methods and limits, with processing typically done within a few hours.

KYC verification is mandatory to access fiat deposits, withdrawals, and trading; there are no tiers for limited or anonymous access—users must undergo full KYC (document + liveness check), which unlocks full platform capabilities without predefined tier-based limits.

Withdrawals

Crypto withdrawals depend on the network chosen (e.g. TRC20, ERC20) and are subject to dynamic network fees; there are high upper limits (e.g. up to $500k or £10k) and actual processing times vary with method and network congestion.

Crypto withdrawals are handled via supported networks like TRC20, ERC20, BEP20, etc., with variable network fees and executed quickly (usually within ~10 minutes). Withdrawal limits scale significantly post-KYC—from low caps like 2 BTC/day for unverified to approximately 100 BTC/day for verified accounts.

Customer Support

EXMO offers 24/7 support via chat, email, and ticketing, though response times may vary; there’s also a comprehensive knowledge base to help with common questions.

Support is available 24/7 via live chat and email; help center articles and tutorials offer self-service guidance. Users report responses typically within minutes to a few hours, though peak times may extend that slightly.

Languages & Localization

The platform fully supports English and displays fees in major currencies like EUR and USD; localization extends to fiat support and regulatory considerations in regions where it operates.

Interface is fully available in English and several local languages, displaying prices and fees in both €/USD and other fiat. The platform adjusts services based on local regulatory compliance, including availability of certain deposit/withdrawal options per region.

App Quality & Stability

EXMO provides both mobile and web apps for trading, with a long-standing reputation, though users sometimes report downtimes and slower support responses—indicating a solid but not flawless user experience.

WhiteBIT’s mobile apps for iOS and Android are known for smooth performance, regular updates, and robust stability; while specific crash rates are not public, user reviews consistently cite reliable functionality and fast feature rollout.

Experience, Performance & Ecosystem

UX/UI

EXMO delivers an intuitive and beginner-friendly interface with a “Simple” or “Advanced” trading view that lets users choose between a clean, streamlined flow or a more detailed layout—facilitating a smooth learning curve from novice to experienced levels.

WhiteBIT offers an intuitive interface that balances simplicity and depth, making navigation easy for beginners, while its advanced trading terminal—with switchable Lite and Pro styles—caters to professionals needing detailed analysis tools and market data.

Performance

Users note that EXMO handles typical order latency well under normal conditions, although heavy volatility can slow response times, and during crypto bull runs, KYC queues can lead to delays in verification that hold up trading access.

The platform delivers ultra-low latency via WebSocket and API streams—down to millisecond-level speed—while high-traffic periods remain smooth thanks to colocation and robust infrastructure; KYC verification typically clears quickly even during peak demand.

Education

While EXMO doesn’t offer a full-fledged demo account, it does provide educational material—including guides and blog posts—and supports Spanish-language resources to help users learn trading basics and platform features.

WhiteBIT provides educational resources like tutorials, help-center articles, and multilingual content, but currently lacks a built-in demo mode or simulator, with most materials available in English and select regional languages.

Community

EXMO maintains an active presence on channels like Telegram and focuses on referral incentives to build community engagement, though it lacks a dedicated forum or Discord server for deeper user interaction.

Users engage through official community channels—including Discord, Telegram, and forums—and benefit from an easy-to-understand referral program that rewards inviting new users, enhancing peer interaction and platform familiarity.

Integrations

EXMO has embedded native TradingView charting directly into its platform for technical analysis, and supports external bot integrations via API—but does not yet offer formal integration with tax reporting or accounting tools.

The exchange seamlessly integrates with TradingView for charting and order execution, offers API access for external bot automation, and supports tax/accounting tools like Koinly for portfolio tracking and reporting.

Who Each One Is Best For

EXMO is ideal for traders seeking a user-friendly, approachable platform with flexible UX modes and integrated charting—especially beginners and casual users—while power-user traders may find it less adequate due to limited simulator tools and backend integrations.

WhiteBIT suits traders seeking a secure, flexible platform with strong performance, advanced tools, and community engagement—ideal for serious retail and semi-pro users drawn to both usability and robust ecosystem support.