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

Trying to choose between Valr and Zebpay 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

Valr

ZebPay

Zebpay

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Table of Contents

Available Countries

United States

No

Europe

Yes

Latin America

No

India

No

China

No

Canada

No

United Kingdom

Yes
Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

No

Canada

Yes

United Kingdom

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Valr is ideal if:

Zebpay is ideal if:

Valr isn’t ideal if:

Zebpay isn’t ideal if:

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.
ZebPay’s spot trading fees often follow a tiered structure—beginners may be charged around 0.15% maker and 0.25% taker, while high-volume users can benefit from reduced rates (e.g., 0.06% maker, 0.10% taker)—but there is no public mention of discounts via native token holdings.

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).
Futures trading on ZebPay is available mainly to KYC-verified Indian users via perpetual contracts (e.g., BTC-INR, ETH-INR), though fee and funding specifics aren’t openly disclosed on the main help pages.

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.
ZebPay’s publicly shared data doesn’t specify average spreads for pairs like BTC/USDT or ETH/USDT, suggesting this detail isn’t prominently published or may vary by region and market conditions.

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.
ZebPay typically offers fee-free fiat deposits and withdrawals via bank transfers, though in some regions instant deposit methods (like UPI or net banking) may carry small flat fees—processing time varies based on the local payment network.

On-chain Withdrawals

Crypto withdrawals incur variable, network-based fees that depend on blockchain congestion—no fixed flat rates from the platform itself.
Withdrawal fees depend on the specific cryptocurrency and location—e.g., India-based users pay around 0.0006 BTC for a Bitcoin withdrawal, while international users may enjoy free withdrawals; fees for other assets like ETH or TRX aren’t clearly listed.

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.
ZebPay applies a monthly inactivity fee (e.g., 0.0001 BTC plus GST) if there’s no trading or lending activity in the prior month, representing a cost that may be overlooked by inactive users.

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.
For a €500 BTC purchase, you’d incur the current trading fee percentage plus any spread (not publicly quoted), and if you were an Indian user withdrawing BTC, a fixed network fee (e.g., 0.0006 BTC) would apply—resulting in combined but approximated costs based on standard spot fees and withdrawal charge.

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.
ZebPay supports over 300 different cryptocurrencies, with the top 20 by volume typically including major names like Bitcoin, Ethereum, XRP, Litecoin, and others among the largest market-cap assets.

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.
The platform offers spot trading, perpetual futures (for KYC-verified Indian users), fixed-term crypto lending via a “Lend” feature, and curated CryptoPacks—however, there are no margin trading, options, ETFs, copy-trading, grid bots, or automated DCA tools.

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.
While precise liquidity figures aren’t publicly indicated, ZebPay handles large trading volumes (billions in trade volume reported) implying sufficient depth particularly in BTC/ETH pairs—though order book details remain undisclosed.

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.
Users can place basic Market and Limit orders, utilize tools like Take Profit/Stop Loss, and benefit from a single-window interface—advanced features like OCO, native TradingView charts, real-time alerts, or full API/WebSocket support aren’t clearly emphasized.

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.
Futures trading is restricted to KYC-verified Indian users, spurred by regional regulatory choices; other products such as lending or spot trading are available more broadly, subject to country eligibility rules.

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.
ZebPay offers innovative features like CryptoPacks bundles and fixed-term lending with auto-renewal; however, there’s no launchpad or launchpool activity, nor flexible vs locked earn distinctions publicly highlighted.

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.
ZebPay is operated by Awlencan Innovations India Limited, founded in 2014 and headquartered in India (with ties to Singapore), functioning under Indian jurisdiction for its core operations.

Licenses/Registration

VALR holds multiple regulatory approvals
The exchange is registered under India’s Prevention of Money Laundering Act (PMLA) and with the Financial Intelligence Unit (FIU), reflecting its full compliance with local crypto asset regulations and standards.

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.
ZebPay partners with trusted third-party custody services to implement multi-chain security and cold storage, with around 98% of assets held offline. It claims to maintain 100% reserves and supports third-party audit protocols like Proof of Reserves using Merkle trees.

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.
There is no public mention of specifically insured assets or a dedicated protection fund for users, suggesting that standard insurance or compensation policies are not prominently featured.

Incident History

There are no publicly documented major security incidents, hacks, suspensions, or regulatory fines affecting VALR to date, reflecting a clean track record.
ZebPay maintains a clean incident record, signalling it has not experienced any hacks, outages, or regulatory penalties to date, demonstrating a strong operational track record.

Risk Controls

VALR implements robust user protections
The platform features robust risk controls including mandatory two-factor authentication (2FA), phishing safeguards, bug bounty programs, and advanced wallet protection measures like MPC/Multi-Sig, IP whitelisting, and transaction-level velocity checks.

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.
While ZebPay emphasizes high compliance and security standards, it does not publish regular transparency reports, public wallets, or specific service-level agreements (SLAs), indicating limited user-facing audit transparency.

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.
International users can deposit fiat via bank transfer (AUD, EUR, etc.), with minimum/maximum transaction limits visible in the app and typical processing times of up to two business days; Indian users enjoy Instant Deposit via IMPS or UPI and manual NEFT/RTGS options, with region-specific minimums and restricted to registered bank accounts.

Supported Fiat Currencies & Conversion

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.
International users can deposit fiat via bank transfer (AUD, EUR, etc.), with minimum/maximum transaction limits visible in the app and typical processing times of up to two business days; Indian users enjoy Instant Deposit via IMPS or UPI and manual NEFT/RTGS options, with region-specific minimums and restricted to registered bank accounts.

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.
The platform applies tiered KYC levels—ranging from basic to advanced—with higher verification unlocking larger withdrawal limits and daily transaction caps; upgrading requires submitting additional documents via support ticket.

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 withdrawal limits scale by KYC level and whether the address is whitelisted, with whitelisted transfers offering much higher daily caps; fiat withdrawals go to registered bank accounts only, processed within up to two business days.

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.
Support is provided via in-app tickets, live chat, and social media channels; response quality varies, with some users praising timely help and others citing unresolved issues—support aims to respond promptly and offers a detailed help base.

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.
ZebPay’s interface is natively in English, with fiat values typically displayed in local currencies like €/USD/INR depending on region; the platform tailors its offerings according to local regulations and payment infrastructure.

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.)
ZebPay provides mobile apps for iOS and Android that are generally stable and user-friendly; while crash stats aren’t disclosed, the platform regularly updates the app and pushes security improvements to enhance reliability.

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.
ZebPay delivers an approachable interface with a sleek, dark-themed design that guides users—from beginners to pros—through intuitive navigation and educational tooltips; it lacks explicit “Lite” or “Pro” modes but offers a tailored experience via its progressive onboarding quiz.

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.
The platform maintains solid responsiveness and fast performance under normal conditions, though some mobile users report occasional lag during high volatility; overall, system stability holds up even when many users are onboarded simultaneously due to phased KYC processing.

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.
ZebPay features a rich learning hub with a beginner-focused crypto education series (CryptoKiPathshala) and blog content, yet it lacks a hands-on demo or simulator, and Spanish-language materials are limited or absent.

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.
While ZebPay fosters community via its blog and social channels (like Telegram and Twitter), it currently offers no dedicated forums or Discord, but does include a referral program to encourage user growth and engagement.

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.
ZebPay provides robust REST APIs for developers and is exploring visual strategy-building tied to TradingView, though it does not yet support external tax tools or accounting integrations natively.

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.
ZebPay is best suited for users seeking a secure, beginner-friendly platform with mobile-first design and API capability, while active traders needing community forums, multi-language education, or deep third-party integrations might find it less tailored to their needs.
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