Bitvavo vs Bydfi: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Bitvavo and Bydfi 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 August 16, 2025

Bitvavo

Bydfi

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Available Countries

United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

United Kingdom

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Bitvavo is ideal if:

Europe-based beginners: Bitvavo’s clean design, intuitive mobile and web platform, and supportive onboarding make it a strong match if you're new to crypto in the EU.
Security-conscious traders: With regulated operations, cold-storage protection, multi-signature transfers, and a clear regulatory standing in Europe, it’s a solid pick for those prioritizing safety.
Passive holders: Features like built-in staking or “Earn” options give you a straightforward way to generate passive income from your crypto holdings (without complexity).

Bydfi is ideal if:

Great for automation fans – If you enjoy trading bots, copy trading, or demo accounts, BYDFi delivers robust tools to trade efficiently without constant manual oversight.
Suited to traders chasing leverage – With support for high-leverage strategies and user-friendly interfaces, it's a solid pick for aggressive traders seeking powerful instruments in an accessible format.
Ideal for global beginners and pros alike – Its intuitive design and broad feature set make it equally approachable for new users just starting and those looking for advanced trading options.

Bitvavo isn’t ideal if:

Outside EU? Bitvavo only serves SEPA-zone residents, so if you live outside Europe, you won’t be able to register or use the platform.
Advanced traders only? If you're into derivatives, margin, futures, or algorithmic (bot) trading, Bitvavo lacks those features.
Prefer full 24/7 support? Customer support isn't available round-the-clock, so off-hours support might be delayed.

Bydfi isn’t ideal if:

No staking or lending features – If you're seeking income through asset staking or crypto loans, BYDFi currently doesn’t offer these options.
Limited fiat withdrawal support – Converting crypto into local currency outside the platform can be inconvenient or unavailable directly within BYDFi.
Advanced tools might overwhelm newcomers – Beginners may find features like high-leverage derivatives and automated bots more complex than user-friendly.

Fees & Total Costs

Spot Maker/Take

Maker/taker fees are tiered based on your 30-day trading volume across Euro markets, with rates decreasing as volume increases; makers pay less than takers, and trading pairs involving USDC generally offer slightly lower fees.

BYDFi charges a flat maker and taker fee of 0.1% for all spot trades; while VIP tiers may offer reductions, there’s no native-token discount outlined as standard.

Futures/Derivatives

Bitvavo does not support futures or derivatives trading in any form, so maker, taker, or funding fees for such instruments are not applicable.

Perpetual contracts carry a maker fee of 0.02% and taker fee of 0.06%, and the funding fee is exchanged every eight hours depending on market sentiment (positive or negative)—paid by longs to shorts or vice versa.

Average Spreads on Liquid Pairs

In instant (spot) trades, there is a modest spread for liquid pairs like BTC/EUR or ETH/EUR (around a small fraction of a percent), though this is eliminated when using advanced limit orders on their pro interface.

For major perpetual pairs, typical bid-ask spreads hover around 0.06%, reflecting tight pricing in high-liquidity markets.

Fiat Deposits & Withdrawals

You can deposit and withdraw euros via SEPA and popular local methods—for example, iDEAL or Bancontact—with no charges and typical settlement in a few business days; card or PayPal options are faster but carry a small percentage-based cost.

Users can deposit fiat via providers like Banxa, Transak, Coinify, and Mercuryo; fees and processing speeds vary by region, with no flat rate transparency but generally fast credited times.

On-chain Withdrawals

Crypto withdrawals carry a dynamic, network-based fee that aligns with blockchain conditions to ensure timely processing, and may include a markup compared to a private wallet to cover infrastructure and security.

Fixed vs Dynamic Network Fees

Hidden Costs

Bitvavo maintains transparent pricing with no inactivity fees, no hidden charges, and no premium for expedited KYC; indirect costs may stem from fiat conversion if your account currency differs or from wider spreads during volatility.

There’s a small fee embedded in crypto-to-crypto conversions, and while no inactivity fees are standard, express KYC or other convenience services may involve additional charges.

Real-World Cost Example: “€500 BTC

For instance, a €500 purchase of BTC via market order would incur a small combined effect of a liquidity fee plus a minimal spread, and later withdrawing that BTC would require paying a network-based withdrawal fee—altogether still relatively modest compared to industry norms.

Purchasing €500 of BTC would incur a spot fee (~0.1%) plus any spread embedded in the quote, and if you then withdraw on-chain, you’d pay the network-based withdrawal fee—combining all these into the total cost.

Crypto Offering & Trading Features

Number of Coins & Pairs

Bitvavo supports over 200 crypto assets in more than 400 trading pairs, with its top-20 by volume typically including high-liquidity EUR pairs such as BTC/EUR, ETH/EUR, XRP/EUR, SOL/EUR, ADA/EUR, and others.

Offering a robust selection, BYDFi supports over 550–900 cryptocurrencies and 600–800+ trading pairs for spot markets; the top 20 by volume typically include BTC/USDT, ETH/USDT, XRP/USDT and other high-liquidity altcoin pairs.

Product Range

Bitvavo offers spot trading, recurring buys (automatic DCA), staking and lending (“Earn”), but it does not support margin, derivatives, options, crypto ETFs, copy trading, grid bots, or similar advanced instruments.

The platform delivers a versatile range of trading tools, including spot, perpetual derivatives (Coin-M & USDT-M), copy trading, automated bots (grid, martingale), DCA strategies, demo accounts, on-chain trading via MoonX, but currently lacks options, ETFs, staking, or lending.

Liquidity

Bitvavo’s daily spot trading volume can reach into the high hundreds of millions to over a billion USD, with deep order book depth in BTC/EUR and ETH/EUR enabling tight spreads and smooth execution in large orders.

Liquidity remains moderate compared to major exchanges—with mid-level 24-hour volume and modest order book depth for BTC/USDT and ETH/USDT—implying that traders may encounter slightly wider pricing gaps than on deeper venues.

Tools

You can use market, limit, stop-limit, and “price guarantee” orders, with advanced time-in-force options; the platform includes native TradingView charts, REST and WebSocket APIs for live data and trading, though no OCO or conditional chains.

BYDFi includes a comprehensive toolkit

Geographic Restrictions by Product

Certain features—like lending (earn)—are restricted in select jurisdictions (for example, Germany), and advanced products like derivatives are globally unavailable, reflecting regional regulatory limits.

Certain regions face limitations—derivatives or high-leverage tools may be unavailable in places like the United Kingdom or other restricted jurisdictions, reflecting regulatory constraints in those locales.

Innovation

Bitvavo continually enhances its Earn program with both Flex (on-demand access) and Fixed (locked, higher-return) staking and lending structures, though it doesn’t currently offer launchpad or launchpool-style token events.

The platform shines with its innovative MoonX on-chain engine offering DeFi access to hundreds of thousands of token pairs, and provides flexible bot-driven strategies, yet it doesn’t currently offer launchpad/pool features or staking/earn products.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Bitvavo is operated by Bitvavo B.V., founded in 2018 and headquartered in Amsterdam, Netherlands.

BYDFi is legally operated by BYDFi Blockchain Limited, founded in April 2020, and is headquartered in Singapore; it serves a global client base under that corporate structure.

Licenses/Registration

Bitvavo holds a Markets in Crypto-Assets (MiCA) license granted by the Dutch Authority for the Financial Markets, allowing it to offer regulated crypto services across the European Economic Area.

The platform holds Money Services Business (MSB) registrations in both the United States (FinCEN) and Canada (FINTRAC), but lacks explicit VASP or MiCA licensing in Europe, though it remains active across EU states.

Custody

Assets are held with external, insured custody providers like Coinbase Custody and Copper; Bitvavo publishes quarterly independent Proof of Reserves attestations showing assets are fully backed, with a significant majority stored in cold, multi-signature custody.

BYDFi uses its own custody with deep cold storage and multi-signature wallets, and transparently publishes proof-of-reserve data showing full backing plus buffer for assets like BTC, ETH, and USDT, along with a user protection fund of 800 BTC.

Insurance & Protection Funds

User funds in custody are covered by a large insurance policy held by custodial partners, and Bitvavo offers an internal “Account Guarantee” that may reimburse eligible users up to €100,000 in cases of unauthorized access.

A protection fund equivalent to 800 BTC is maintained to safeguard users’ assets in case of emergency situations or platform distress.

Incident History

Bitvavo has had no known hacks, but did experience technical outages and a brief data exposure incident, all resolved transparently, with no loss of assets or fines reported.

There are no public records or reports of hacks, service suspensions, asset freezes, or regulatory fines associated with BYDFi to date, indicating a clean operational track record.

Risk Controls

The platform supports strong security controls including mandatory 2FA, anti-phishing codes, API key restrictions with granular permissions, but does not offer sub-accounts or address whitelisting.

The platform enforces multi-layered risk safeguards such as Google Authenticator–based 2FA, withdrawal whitelist, anti-phishing systems, and granular API or sub-account permissions for additional user control.

Transparency

Bitvavo promotes transparency through quarterly Proof of Reserves attestations and clear regulatory disclosures—though it does not publish public wallet addresses, detailed monthly reports, or formal SLAs.

BYDFi publishes regular proof-of-reserve disclosures and maintains segregated user funds, though it does not appear to offer publicly visible monthly audit reports, wallet explorers, or guaranteed service-level agreements (SLAs).

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

You can deposit euros via SEPA bank transfers, local options like iDEAL or Bancontact, as well as card payments and PayPal; SEPA and iDEAL support high maximums with no fees and settle in 1–2 business days, while PayPal and card top-ups are instant but carry percentage-based charges.

BYDFi allows fiat deposits through credit/debit cards, e-wallets, and bank transfers via partners like Transak, Coinify, Alchemy Pay, and Mercuryo; minimums vary by method, card and e-wallet deposits are typically nearly instant, while bank transfers may take 1–3 business days.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Full identification is mandatory to use the platform—there is no basic or limited mode; until you complete KYC (uploading ID and a short selfie video), deposits, trades, and withdrawals are blocked, while enhanced limits and quicker large transfers may require further compliance documentation.

BYDFi offers trading with no KYC initially, but requires KYC for fiat withdrawals and higher limits; unverified users have lower withdrawal caps, while verified accounts unlock substantially higher limits and access to promotions.

Withdrawals

Daily withdrawal capacity is capped (around €25,000 combined fiat and crypto) unless you provide source-of-funds documents; crypto withdrawals use only one approved network per asset—typically the native chain (e.g., ERC-20 for Ethereum)—and are processed as blockchain confirmations allow.

Crypto withdrawals depend on verification level and risk-controls; limits escalate from modest (e.g., ~1.5 BTC/day) for unverified users to higher tiers for verified ones, and you can withdraw via supported networks like ERC20, BEP20, TRC20, with processing subject to blockchain conditions.

Customer Support

You can reach support via email and access a comprehensive Help Center for documentation; while there’s no guaranteed 24/7 live chat, response times are reasonable and often backed up with detailed FAQ articles covering common scenarios.

BYDFi offers 24/7 live chat and email support, with a comprehensive FAQ and Help Center for self-service; response times are generally fast, especially via live chat, and documentation covers most common user inquiries.

Languages & Localization

The interface is fully localized in multiple languages including English, displayed in euros by default, and aligned with EU/EEA regulations to ensure local compliance and intuitiveness for European users.

The platform provides a multilingual interface, displays balances and fees in multiple currencies (EUR, USD), and adapts to local regulations in supported countries, though full regulatory compliance varies by jurisdiction.

App Quality & Stability

Bitvavo’s mobile and web apps are known for smooth stability with minimal crashes, and they receive regular updates to improve performance and roll out pro features, maintaining a solid user experience across devices.

The BYDFi mobile app is regularly updated and widely reported as stable and responsive, with minimal crashes noted by users—reflecting consistent maintenance and enhancements over time.

Experience, Performance & Ecosystem

UX/UI

Bitvavo offers a user-friendly “Lite” mode for beginners and a powerful “Pro” interface tailored for advanced users, featuring resizable dashboards, keyboard shortcuts, and integrated TradingView charts—making adoption smooth whether you’re new or experienced.

Users describe BYDFi’s interface as intuitively unified—a single layout that handles both spot and futures trading seamlessly—making it accessible for beginners while offering sufficient power for advanced users, though explicit “Lite” vs. “Pro” toggles aren’t prominent.

Performance

Bitvavo Pro is optimized with faster chart interactions and order execution, scaling well even during high-volatility spikes; while onboarding may slow slightly during bull markets, the platform remains reliable under load.

BYDFi’s robust infrastructure and low-latency design ensure fast order execution even during surges, reducing slippage and delays common in highly volatile periods.

Education

Bitvavo Learn delivers structured, multilingual educational modules—from beginner to intermediate—covering crypto fundamentals and trading concepts, although there are currently no live simulators or Spanish-specific demo environments.

The exchange offers a fully functional demo trading environment and a Q&A support hub, though comprehensive educational materials or guides in Spanish are limited or not prominently featured.

Community

Bitvavo maintains an active help center and a referral program that rewards users for inviting others, but does not run its own public forums, Discord, or Telegram community channels.

BYDFi maintains active official communities across Discord, Telegram, X, and Medium, and offers referral programs that reward users for onboarding others—building engagement through a global network.

Integrations

The platform integrates seamlessly with TradingView for chart-based trading and offers REST/WebSocket APIs for developers—supporting external bots and connection to third-party tax or accounting tools.

Seamless integration with TradingView enables direct charting and trade execution inside the platform; plus, BYDFi connects with third-party tax tools like CoinLedger and Divly via API or CSV exports for streamlined financial tracking.

Who Each One Is Best For

Bitvavo Lite is ideal for casual and new crypto users, while Bitvavo Pro is built for active or professional traders needing advanced analysis and execution tools—giving each group the right balance of simplicity or sophistication.

BYDFi suits traders who value low-latency order execution, demo environments, community engagement, and powerful interface features—all in a unified layout—making it ideal for users transitioning from beginner to more sophisticated strategies.