Best Crypto Exchanges in Luxembourg

Best Cryptocurrency Exchanges in Luxembourg

We reviewed 30 exchanges available to Luxembourg investors and identified the top five based on Commission de Surveillance du Secteur Financier (CSSF) compliance, asset variety, fees, EUR deposit options, and user experience. These platforms meet Luxembourg’s standards and broader EU requirements under the European Securities and Markets Authority (ESMA).

Here’s a quick overview of Luxembourg’s five best exchanges, with detailed reviews to follow.

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1. Bybit

Bybit is a top exchange for Luxembourg investors, offering over 1,500 cryptocurrencies for spot trading and over 400 futures contracts (including crypto options) with leverage up to 200x. Key features include a Copy Trading service that lets users follow top traders’ strategies and a set of automated trading bots, such as Grid, DCA, and Futures Combo Bots.

The “Bybit Earn” program offers flexible staking on popular assets like ETH, USDT, SOL, BTC, and over 50 others, with yields reaching up to 300% APY on select smaller tokens. The Bybit Card provides up to 10% cashback and VIP perks, while the Bybit Web3 wallet and NFT marketplace open up DeFi opportunities. Available in English, French, and German, Bybit fits well with Luxembourg’s multilingual community.

• Fees: Spot trading fees start at 0.1%.
• Supported Assets: 1,500+ cryptocurrencies.
• Regulation & Licensing: Regulated by CySEC (Reg. No. 305956090) in Europe and accessible in 160 countries (including Luxembourg.
• EUR Deposit Options: SEPA, cards, bank transfers, Google Pay, Apple Pay, Wise, IBAN and more.

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2. Kraken

Kraken is the preferred exchange for high-net-worth and institutional investors in Luxembourg, offering access to over 290 cryptocurrencies, spot trading, and an advanced OTC desk for sophisticated clients. The platform also offers Kraken Pro, a professional-grade trading app with deep liquidity, multiple order types, and futures contracts with up to 5x leverage.

Kraken stands out for its commitment to transparency and security, being one of the first exchanges to offer publicly auditable proof-of-reserves to guarantee 1:1 asset backing. Additionally, the platform includes staking services for tokens like ETH and SOL, an NFT marketplace, and the Kraken Wallet for secure asset storage and management.

• Fees: Maker fees start at 0.16%, taker fees at 0.26%.
• Supported Assets: 290+ cryptocurrencies.
• Regulation & Licensing: Registered as a VASP in Europe, regulated by the OAM, BoS, FCA, CBI, and DNB. Available in Luxembourg.
• EUR Deposit Methods: Bank transfer, SEPA, credit/debit card, and SWIFT.

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3. Coinbase

Coinbase is the most trusted option for users in Luxembourg. It is known for its strict regulatory compliance globally, though it comes at a premium. As the only NASDAQ-listed crypto exchange, Coinbase operates under rigorous oversight, making it a preferred option for those prioritizing safety. The platform supports over 200 cryptocurrencies, staking, a DeFi wallet, and a suite of institutional services.

The main downside? Fees. Standard trades come with a spread usually over 1%, which can stack up fast. For frequent traders, Coinbase Advanced might be better, as it swaps the spread for lower variable fees starting at 0.2% for takers and 0.1% for makers. Coinbase Advanced also provides pro tools like TradingView charts and advanced order types.

• Fees: Standard trades have a spread usually over 1%. Coinbase Advanced starts at 0.2% taker and 0.1% maker fees.
• Supported Assets: 200+ cryptocurrencies.
• Regulation & Licensing: Publicly traded, licensed across Europe.
• EUR Deposit Methods: Bank transfer, IBAN, SEPA, Apple Pay, credit and debit cards.

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4. Uphold

Uphold is a beginner-friendly platform for Luxembourg investors, supporting over 300 crypto assets, commodities (like gold and silver), and fiat currencies. Its intuitive buy-sell interface allows for quick trades, while the AutoPilot feature enables users to automate recurring crypto purchases. Uphold is fully transparent with its fees, displaying them upfront to avoid surprises.

Founded in 2014, Uphold is one of Europe’s oldest investment platforms, now serving 10 million users. Its staking service is a strong draw, allowing investors to earn up to 25% APY on 30 selected assets. The “Anything-to-Anything” feature makes trading flexible, letting users swap between any supported assets, whether crypto, fiat, or precious metals.

• Fees: 1% trading fee plus a 1% spread fee.
• Supported Assets: 300+ cryptocurrencies, 27 fiat currencies, and 4 precious metals.
• Regulation & Licensing: Regulated in Europe by the Republic of Lithuania and the FCA, available in 150+ countries including Luxembourg.
• EUR Deposit Methods: SEPA, bank transfer, credit card, debit card, Google Pay, and Apple Pay.

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5. OKX

OKX is a top choice for Luxembourg users interested in DeFi, featuring a Web3 wallet that connects directly with DApps for seamless access to blockchain games, NFT marketplaces, yield farming, and liquidity pools. The platform also supports spot, futures, and margin trading, offering advanced tools like candlestick charts, aggregate trades, and real-time order book data.

For professional traders, OKX provides an API suite with ultra-low latency and high-speed execution. Other key features include staking, lending and borrowing, trading bots, and copy trading. With over 100 payment options, users can quickly buy crypto with fiat. OKX also offers extensive educational resources to help users build their crypto skills and explore new products.

• Fees: Maker fees as low as 0.08%, taker fees at 0.10%.
• Supported Assets: 350+ cryptocurrencies.
• Regulation & Licensing: Operated by OKcoin Europe LTD, licensed by the Malta Financial Services Authority and available in Luxembourg.
• EUR Deposit Methods: SEPA, credit/debit cards, and bank transfers.

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Is Crypto Regulated in Luxembourg?

Luxembourg regulates cryptocurrency under its anti-money laundering (AML) and counter-terrorist financing (CFT) laws. The Financial Sector Supervisory Commission (CSSF) oversees virtual asset service providers (VASPs). Before operating, any crypto-based financial service provider must secure authorization from the Ministry of Finance and ensure adherence to strict AML/CFT standards.

Trading platforms and other virtual asset service providers (VASPs) operating in Luxembourg must comply with these laws, though Luxembourg does not regulate Initial Coin Offerings (ICOs) specifically. However, ICO issuers must implement AML/CFT measures to obtain relevant details of participants.

The upcoming EU Markets in Crypto-Assets Regulation (MiCAR) will unify Luxembourg's approach with the broader EU framework, enforcing new rules for asset-referenced and e-money tokens by 2024. This regulation positions Luxembourg to bolster investor protections while supporting crypto’s integration into the financial ecosystem.

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Is Crypto Taxed in Luxembourg?

In Luxembourg, cryptocurrency gains are taxed according to rules set by the Administration des Contributions Directes (ACD). Individual investors are taxed on “speculative gains” if they sell crypto within six months of acquisition and earn over €500 in profit; these gains are subject to income tax rates of up to 45.78%. However, if the assets are held beyond six months or don’t exceed the profit threshold, they are generally exempt from tax.

For professional traders, all crypto gains are fully taxable as income, regardless of how long assets are held. The ACD distinguishes between personal investment and professional trading, taxing trading activities more heavily. This classification applies to those engaged in systematic, profit-driven crypto transactions, treating their gains as part of regular business income under Luxembourg’s progressive tax rates.

Because Luxembourg’s central bank (BCL) does not recognize cryptocurrency as legal tender, all crypto holdings must be converted to euros or another accepted currency for tax reporting purposes. The ACD assesses each transaction's economic reality to ensure accurate tax obligations for all crypto-related activities.

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How to Buy Bitcoin in Luxembourg

Investors in Luxembourg can buy Bitcoin easily by selecting a regulated exchange that supports EUR deposits. Here’s a quick guide to get you started:

1. Set Up an Account: Register on a licensed exchange, provide your name and email, and complete ID verification with a government-issued document.
2. Deposit EUR: Head to the deposit section, enter your preferred EUR amount, and select a payment method. Most exchanges accept bank transfers, SEPA, credit cards, and debit cards.
3. Locate Bitcoin: In the trading area, search for Bitcoin (BTC), choose the EUR/BTC pair, and enter the amount you want to buy.
4. Confirm the Purchase: Review and confirm your transaction. Your BTC will be credited to your account instantly.

This guide helps Luxembourg users securely navigate from registration to buying Bitcoin on a trusted exchange.

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Bottom Line

For investors in Luxembourg, choosing the right exchange should hinge on compliance with the CSSF, low trading fees, asset support and reliable EUR deposit options. The exchanges spotlighted by our analysts in this guide excel across these factors, offering different strengths for everyone, from beginners to high-net-worth traders.

Whether you’re an institutional investor, day trader, or simply a Bitcoin holder looking to increase your stack, these platforms offer strong, compliant options tailored to the requirements of Luxembourg’s investment community.