Valr vs Remitano: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Valr and Remitano 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

Valr

Remitano

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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

Yes

China

Canada

United Kingdom

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Valr is ideal if:

Ideal for mobile-first traders Offers both a streamlined “Simple Buy/Sell” interface for quick trades and a robust exchange terminal with TradingView charts—perfect whether you're on the go or want advanced control.
Great for institutions and high-frequency traders Comes with institutional-grade APIs, subaccounts, and deep liquidity options tailored to algorithmic and corporate trading strategies.
Strong choice if you value security and regulation Backed by reputable investors and regulated across South Africa, Europe, and Dubai, offering peace of mind for users in jurisdictions where it's licensed.

Remitano is ideal if:

Great for beginners – user-friendly, peer-to-peer model with escrow protection makes crypto buying and selling straightforward for new users.
Strong regional access – wide support for local payment methods in developing markets, making it highly accessible in many countries.
Limited for pros – lacks advanced trading tools and deep liquidity, so experienced traders may find it too simple.

Valr isn’t ideal if:

Not ideal if you're seeking global fiat flexibility Limited to a handful of fiat currencies, it doesn't support many global financial methods like PayPal or cards beyond ZAR.
Not ideal for complete beginners needing guidance Lacks educational tools, tutorials, and demo trading—so newcomers must learn by doing.
Not ideal if you need broad crypto variety or margin options Offers a narrower selection of assets and more restricted leverage choices than many mainstream exchanges.

Remitano isn’t ideal if:

Not for fee-sensitive traders – peer-to-peer pricing can include seller markups and less transparency, making it less cost-effective than alternatives.
Too basic for advanced strategies – lacks margin, leveraged trades, and sophisticated order types for power users.
Dependent on counterparties – trade delays or stalls may occur if the other party doesn’t act promptly, disrupting the experience.

Fees & Total Costs

Spot Maker/Take

VALR uses a tiered structure where increased 30-day trading volume leads to lower or even negative maker fees and reduced taker fees on both fiat and crypto spot trades.

Remitano operates mainly as a P2P marketplace where maker fees typically apply (around 1 %) and takers often pay none; there are no published volume-based discounts or native token rebates.

Futures/Derivatives

Perpetual futures follow the same volume-tiered schedule—makers may pay zero or negative fees, while takers benefit from progressively lower percentages as volume rises; funding occurs regularly based on market conditions (but specific rates fluctuate over time).

Remitano currently does not provide futures or derivatives trading, so there are no maker, taker, or funding fees to report.

Average Spreads on Liquid Pairs

Spreads are generally tight, aligning with industry norms for highly liquid pairs, ensuring minimal difference between buy and sell prices.

As a P2P platform, Remitano doesn’t publish formal spread data for these pairs—prices are negotiated individually, so spreads may vary by offer and are not standardized.

Fiat Deposits & Withdrawals

Fiat deposits (wire, SEPA, card, EFT depending on the currency) are free of platform fees and usually post within two days; bank withdrawals follow standard local banking hours and policies, with occasional small charges and speed options.

methods, fees, timing

On-chain Withdrawals

Crypto withdrawals incur variable, network-based fees that depend on blockchain congestion—no fixed flat rates from the platform itself.

fixed vs dynamic fee by network (BTC, ETH, TRX, etc.)

Hidden Costs

There are generally no surprise or maintenance fees—no inactivity charges, no hidden conversion costs, and premium KYC (if offered) doesn’t carry extra fees unless noted at the point of use.

currency conversion, inactivity, KYC express, etc.

Real-World Cost Example: “€500 BTC

If you were to purchase €500 of BTC, your total would include a modest trading fee (based on your tier), a minimal spread typical of liquid markets, and your withdrawal cost would depend on the chosen network’s fee at that time.

“Buying €500 in BTC” (fee + spread + withdrawal)

Crypto Offering & Trading Features

Number of Coins & Pairs

VALR lists over 75 cryptocurrencies across roughly 60–71 trading pairs; top volume pairs typically include BTC/USDT, ETH/USDT, XRP/USDT, and BTC/ZAR.

Remitano supports around 30–40 cryptocurrencies overall, with the most active pairings centered on BTC, ETH, USDT, XRP, and LTC, reflecting the highest liquidity and trading frequency.

Product Range

VALR offers spot trading, spot margin with up to 5× leverage, and perpetual futures with leverage up to 60×. It also supports staking/earn programs and lending, but lacks options, crypto ETFs, copy trading, grid bots, or automated DCA products.

Remitano focuses on P2P spot trading and instant crypto-to-crypto swaps. It does not offer futures, margin, perpetuals, options, ETFs, grid bots, copy trading, or automated DCA—but it does support staking and some lending/earn products.

Liquidity

The exchange typically handles over US$30 million in daily trading volume, with deep liquidity on major BTC and ETH pairs facilitating tighter order book depth.

24h volume & order-book depth

Tools

You can place limit, market, and stop-limit orders (including OCO equivalents). VALR offers advanced charting integrated with TradingView, configurable alerts, and both API and WebSocket access for real-time trading and data needs.

You can place basic order types like market and limit, with swap functionality. There are price alerts and a clean interface (including mobile), but no advanced charting, OCO orders, TradingView integration, or full API/WebSocket feed.

Geographic Restrictions by Product

Some jurisdictions are restricted from offering certain features—derivatives, for example, are only available in qualifying regions, meaning not every user can access margin or futures products depending on local compliances.

Derivatives are not offered anywhere, and traditional P2P trading is unavailable in select regions like Canada, the UK, Singapore, and others, depending on local regulation.

Innovation

While VALR doesn’t offer launchpads or launchpools, it does provide both flexible staking and lending options alongside traditional locked products, giving users varied approaches to earning on their assets.

The platform includes staking and earn products (flexible vs. fixed terms may vary by asset), as well as token swap tools—but lacks launchpad, launchpool, or structured investment pools beyond basic staking.

Security, Regulation & Custody

Operating Entity & Jurisdiction

VALR operates through several legal entities including VALR Proprietary Ltd (established 2018, headquartered in South Africa), VALR EU in Poland, and regional branches in India and Dubai—demonstrating a multi-jurisdictional operational structure.

Grasp who runs it

Licenses/Registration

VALR holds multiple regulatory approvals

Remitano adheres to anti-money laundering (AML) and know-your-customer (KYC) protocols based on FATF frameworks but does not hold formal VASP/VISA licenses under EU MiCA or equivalent regulatory regimes.

Custody

VALR maintains a fully reserved custodial model, where all user funds are held 100% backed and are never lent out. Transfers of crypto assets require multi-signature approvals across secure locations, with funds stored in both cold and hot wallets using multi-sig technology.

User funds are held through in-house custodial systems with most crypto stored offline in cold storage; however, there’s no public proof-of-reserves or verified audit disclosures available.

Insurance & Protection Funds

There’s no publicly stated insurance or user protection fund offered—VALR emphasizes full reserves and strong internal safeguards rather than insured coverage.

The platform does not advertise insurance or user asset protection funds beyond its standard custodial responsibilities and escrow mechanism.

Incident History

There are no publicly documented major security incidents, hacks, suspensions, or regulatory fines affecting VALR to date, reflecting a clean track record.

There have been no widely publicized hacks or regulatory penalties against Remitano; the exchange emphasizes asset protection and operational stability in its communications.

Risk Controls

VALR implements robust user protections

Remitano enforces two-factor authentication, withdrawal whitelist options, phishing safeguards, escrow-backed P2P trades, and periodic security audits to protect user assets and enhance transactional safety.

Transparency

VALR does not publicly publish monthly financial or reserve reports, nor does it offer a public wallet or explicit service-level agreements (SLAs); transparency is delivered through regulatory registration and communication rather than open-ended disclosures.

The exchange does not publish monthly transparency reports, SLAs, or public wallet addresses—its operational disclosures remain limited, focusing more on user security than open audit data.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Users can deposit ZAR via EFT or South African-issued Visa/Mastercard (3D Secure), while USD and EUR can be sent via SWIFT or SEPA transfers (converted to stablecoins). ZAR card deposits incur around a 3.9% fee; EFT is free. USD deposits require a minimum of $5, while EUR has a €1 minimum. Processing times vary—from instant for cards to up to 48 hours for bank transfers.

Users can deposit fiat via linked bank transfers or “Fiat Wallet,” with minimums and maximums emerging from their KYC level; processing times vary by country and can be near-instant in some regions or take up to a few days depending on banking systems.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

VALR employs a tiered KYC system with different levels (standard and Fully-Verified Plus). Higher levels, enabled by features like 2FA, unlock significantly higher withdrawal limits—ranging from fractions of a BTC up to 100 BTC daily.

KYC is mandatory and structured in tiers—from basic phone verification to advanced identity and peer certifications—each unlocks higher deposit, buy, and withdrawal thresholds and broader functionality.

Withdrawals

Daily crypto withdrawal limits depend on KYC status (up to 100 BTC). Users can choose networks like ERC-20, TRC-20, BEP-20, and more; fees are dynamically quoted. Fiat (ZAR) withdrawals follow local banking hours, with free standard or paid fast transfers depending on the bank.

Crypto withdrawals depend on your verification level and support major networks like ERC-20, TRC-20, and BEP-20, with typical processing done within the blockchain’s normal timeframes, though exact thresholds and durations vary by region and asset.

Customer Support

VALR offers 24/7 support through a chatbot, email/ticket system, and a searchable knowledge base. Response via live chat or phone is limited, but the help center is comprehensive.

Remitano offers round-the-clock live chat and email support, backed by a robust help center and forum—response times are generally quick for chat, with slightly slower email replies, and an extensive FAQ base for self-service.

Languages & Localization

The platform operates primarily in English (with limited additional language support), displays prices in local currencies like USD, EUR, or ZAR based on region, and reflects applicable regulatory contexts transparently.

The platform operates natively in English and many local languages, displays fees in local fiat (EUR, USD, etc.), and adapts interface and regulatory disclosures to your country for a localized experience.

App Quality & Stability

VALR offers both web and mobile interfaces. Mobile apps are regularly updated, delivering smooth charting and trading experiences. While exact crash rates aren’t disclosed, user feedback suggests the app is generally stable, with no major performance complaints in recent updates. (No explicit crash rate data available.)

The mobile and web apps are praised for reliability and ease of use, with fast deposits/withdrawals and a solid user interface; user reviews (e.g. Google Play) rate performance around 4.3 stars, indicating overall stability and regular updates.

Experience, Performance & Ecosystem

UX/UI

The platform offers a dual-interface approach—with a beginner-friendly “Simple Buy/Sell” mode for quick swaps and a more advanced trading terminal for experienced users, creating a smooth progression as your familiarity grows.

The interface prioritizes simplicity—ideal for beginners—with clear navigation and essential features; it recently introduced a lightweight “Remitano Lite” mini-app within Telegram, offering ultra-fast trades and onboarding.

Performance

VALR delivers generally low-latency execution and stable performance even during busy periods, with no widely reported system outages or KYC bottlenecks—even in volatile market conditions.

Trades generally execute swiftly thanks to P2P matching and escrow, even during volatile periods, and the platform’s minimal infrastructure helps avoid downtime; though in high-demand bull markets, KYC approvals might slow down due to verification surges.

Education

There’s no formal academy, demo account, or Spanish-language content on VALR; educational guidance is minimal, placing the learning responsibility primarily on the user.

Remitano does not currently offer formal learning modules like academies or demo trading tools, and while its Help Center provides support, there’s limited dedicated educational content—especially lacking in Spanish-language tutorials.

Community

VALR supports a referral program and maintains communication channels through its support portal and social media, but doesn’t feature official forums or active Discord/Telegram communities.

Remitano maintains an active official Telegram channel and bot for updates and support, in addition to a user forum and a referral program that rewards members for inviting others.

Integrations

The exchange integrates TradingView natively for charting and supports external trading bots through its API, yet it lacks built-in tax reporting or bookkeeping tools.

The platform offers a clean in-app trading experience but lacks integrations with advanced tools like TradingView, external trading bots, tax calculators, or accounting software—favoring a streamlined, standalone approach.

Who Each One Is Best For

VALR shines for mobile-first traders and corporate users seeking advanced tools and clean interfaces, but may feel limited for beginners needing educational support or for users seeking tax and community integration.

Remitano shines for users seeking fast, intuitive P2P trading—particularly newcomers and regional traders in developing markets—while those needing advanced features, automation, or deep analytics may find it too pared-down for their needs.