38 Leading Cryptocurrency Exchanges For Fiat Trading in 2023

Discover exchanges that excel in fiat-crypto transactions, providing seamless experiences for buying and selling Bitcoin and other cryptocurrencies. These platforms stand out for their fiat currency capabilities, ensuring top performance and user satisfaction.

As with all our rankings, these listings are influenced by our readers' knowledgeable inputs — become a part of the decision-making process!

Top 10 Fiat-Centric Crypto Exchanges

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    Complete Rankings of Fiat-Friendly Crypto Exchanges

    KYC is required + US Customer Friendly

    CoinMetro is hands down the most affordable place to purchase Bitcoin and other cryptocurrencies. The exchange is designed to suit all levels of traders, from newbies with a one-click buy button to pro trading screens. CoinMetro also has in build instant swap feature that lets users switch from one coin to another with no fees involved.

    Trading Fees 0% – 0.1% + Discounts

    KYC is required + US Customer Friendly

    Gemini is based in the US and was founded by Cameron and Tyler Winklevoss. The exchange is an excellent way to purchase, store and sell Bitcoin. And the number of coins these two owns makes it quite literally the most secure exchange around.

    Trading Fees 1.49% premium / ActiveTrader: 0.35% – 0.25% + Discounts
    Withdrawal Limits $100,000 USD / 24 hours


    KYC is required

    Bitpanda is one of the European most popular choices to buy, sell and trade cryptocurrencies. This exchange has been around a while and has proved to be one of the most reliable places around. They have a large variety of payment methods to choose from like credit card, Neteller, Skrill, Sepa, Amazon and many more.

    Trading Fees 0.5 – 1.49% premium / Pro: 0.1000% – 0.1500% + Discounts
    Withdrawal Limits 5.000.000,00 EUR / 24 hours

    KYC is required + US Customer Friendly

    Coinbase has the largest hot wallet in the industry, operating in over 30 countries and securing more than 20 million customers worldwide. This exchange was founded in 2012 by Brian Amstrong and is widely known as one of the easiest exchanges for purchasing and trading your Bitcoins. On top of that Coinbase operates Bitcoin debit card, and crypto payment getaway. The article contains affiliate links, and we may be compensated if the user signs up through our links.

    Trading Fees 0.50% – 0.50% + Discounts
    Withdrawal Limits Initially $25,000 USD (Can be increased)  / 24 hours


    KYC is required + US Customer Friendly

    CEX.IO is one of the oldest Bitcoin exchanges around, it’s global, stable and offers both simple, easy to use interfaces for both buying and trading Bitcoin and few other cryptocurrencies.

    Trading Fees 0.16% – 0.25% + Discounts
    Withdrawal Limits 2 BTC  / 24 hours

    No KYC requirements

    StormGain is a new all in one cryptocurrency trading, and investing platform. This platform allows the purchase of Bitcoin, and other cryptocurrencies, while also providing access to advanced trading perpetual contracts with 50x leverage.

    Trading Fees Exchange: 0.025% – 0.095% / Trading: -0.010% – 0.010%
    Withdrawal Limits No limits

    Coinmotion - Find Crypto Exchanges Online.

    KYC is required

    Coinmotion is a branch of Prasos Ltd, the largest Bitcoin operator in Scandinavian countries. This exchange offers you the opportunity to purchase cryptos such as BTC, LTC, ETH, and XRP.

    Trading Fees 1.8% + Discounts
    Withdrawal Limits 30 BTC – No limits / 24 hours

    KYC is required

    WazirX is a cryptocurrency exchange based in India, the platform offers seamless Fiat to crypto conversions, and an automated P2P matching engine that doesn’t require any fees from its customers.

    Trading Fees Spot: 0.2% – 0.2% / P2P: ZeroFees
    Withdrawal Limits 3 BTC / 24 hours

    Binance US

    KYC is required + US Customer Friendly

    Binance.us is focused on becoming a new home for cryptocurrency trading services within the United States.

    Trading Fees 0.1% – 0.1% + Discounts
    Withdrawal Limits $7,500,000 USD / 24 hours

    KYC is required

    Skrill makes it easy for anyone to instantly convert +40 fiat currencies into Bitcoin and other cryptocurrencies. The platform also lets anyone purchase cryptocurrencies with over 100 alternative payment methods. On top of this Skrill also offers prepaid Mastercard which you fund using Cryptocurrencies!

    Trading Fees 1%


    KYC is required + US Customer Friendly

    Coinmama is one of the great choices for purchasing your first Bitcoin or Ethereum. This exchange has been around since 2013 offers a simple user experience and is, therefore, one of the most reliable old dogs still around.

    Trading Fees 2% + 3.90% when buying, and 0.9% when selling / 5% for cards.
    Exchange Limits $12,000 USD / 24 hours

    Binance Jersey

    KYC is required + US Customer Friendly

    Binance Jersey is fiat focused crypto exchange built on top of technology developed by Binance, the leading and most known crypto exchange on the market.

    Trading Fees 0.1% – 0.1% + Discounts
    Withdrawal Limits 10,000 GBP / 24 hours

    KYC is required

    CPH Crypto is a new Nasdaq OMX based regulated Scandinavian deep discount broker with cryptocurrency markets. The platform is one of the few in the industry offering zero-fee trading with its subscription service, where traders pay a fixed monthly price of $39.

    Trading Fees 0.04% – 0.04%
    Withdrawal Limits No limits

    KYC is required

    BitBay is the most popular exchange within the Polish community. The platform has multiple assets and many different payment methods.

    Trading Fees 0% – 0.1%

    KYC is required + US Customer Friendly

    CoinDeal is a US-based crypto exchange offering easy to use platform with a variety of altcoins and fiat currencies to choose from. The exchange has fast verifications and many methods for depositing and withdrawing funds. On top of this, users can also purchase Bitcoin with a credit card.

    Trading Fees 0.29% – 0.39% + Discounts
    Withdrawal Limits €100,000 EUR / 24 hours

    KYC is required

    CoinField is a regulated European fiat exchange operating in over 193 countries. The exchange lets users purchase various cryptos such as BTC, ETH, LTC, and more with credit and debit cards.

    Trading Fees 0.05% – 0.24%
    Withdrawal Limits $2,000,000 USD / 24 hours


    KYC is required

    Coinhouse is easy to use Bitcoin exchange based in France, they have both physical and online presence making it slightly different from a lot of the other exchanges on the list.

    Trading Fees 3,49%
    Withdrawal Limits €10,000 EUR  / 24 hours

    KYC is required

    ShapeShift is one of the original exchanges prioritizing self custody and control of coins. The platform allows exchanges of multiple different cryptocurrencies, while still being in control of your own private keys. ShapeShift is also a proud creator of the Keepkey Bitcoin hardware wallet, which can be used together with ShapeShift exchange.

    Trading Fees Miner Fees


    KYC is required

    CoinCorner was founded in 2014 and offers easy instant Bitcoin buys using a credit card, debit card, bank transfer, SEPA, or Neteller. You can also set up merchant services and start accepting Bitcoin for your business.

    Trading Fees 1%
    Withdrawal Limits No limits


    KYC is required + US Customer Friendly

    Paybis is an instant cryptocurrency exchange founded in 2014. The exchange provides support for a variety of payment methods including Credit Card, Skrill, Neteller, Payeer and Advanced Cash. The exchange also has one of the highest purchasing limits.

    Trading Fees Fixed
    Buying Limits $500,000 USD per week.


    KYC is required + US Customer Friendly

    BitQuick is owned and operated by Athena Team, one of America’s most trusted ATM operators. The platform lets users purchase Bitcoin from other users through escrow with physical cash.

    Trading Fees 2%
    Exchange Limits Without ID scan: $400.00 USD

    KYC is required

    Luno is an international crypto-fiat exchange that is available in over 40 countries. Luno allows users to purchase various cryptocurrencies such as Bitcoin, and Ethereum with multiple payment methods such as Bank transfer and debit cards.

    Trading Fees 2% premium / 0.00% – 0.25% + Discounts
    Discount Link Receive €15.00 EUR worth of Bitcoin!

    KYC is required

    Kriptomat is a regulated fiat on-ramp cryptocurrency exchange for everyday people. The exchange allows linking of your bank account, purchasing, and selling of various cryptocurrencies including Bitcoin, Ethereum, XRP, and EOS.

    Trading Fees Fee % – 1.45% / Minimum fee – 1.45 EUR
    Withdrawal Limits Basic daily limits of 25.000 EUR

    KYC is required

    Bitvavo is a cryptocurrency exchange based on the EU & EAA area, it offers over 50 different digital assets, and multiple payment methods, including SEPA, SOFORT, Visa, and Mastercard.

    Trading Fees 0.20% – 0.25% + Discounts
    Withdrawal Limits €25,000 EUR / 24 hours


    KYC is required

    EXMO is one of the large eastern European exchange specified for purchasing and selling Bitcoins. This Exchange has a minimalist design and offers a variety of payment methods and traditional currencies to choose from including USD, EUR, RUB, UAH, PLN and TRY.

    Trading Fees -0.05% – 0.05% + Discounts


    KYC is required

    Coinmate is a trusted European Bitcoin exchange since 2014. The platform offers quick purchases and uses EURO as it’s main trading pair against Bitcoin. The exchange also has multiple payment options such as SEPA, Wire Transfer, Sofort, and a variety of other cryptocurrencies.

    Trading Fees 0.12% – 0.25%


    KYC is required

    Coinsquare was founded in 2014 is based in Toronto and is one of the largest exchanges in Canada. They use the Canadian dollar as their main currency and offer a variety of ways to purchase Bitcoins including a credit card and wire transfer. This exchange is by far one of the best options for Canadians.

    Trading Fees 0.1% – 0.2%
    Withdrawal Limits $10,000 USD / 24 hours

    KYC is required

    Bit2Me is a long-ago established European crypto exchange. The platform is mainly focused in France, Italy, Spain, and Portugal offering multiple benefits in those countries such as Bitcoin to cash operations.

    Trading Fees BANK: 0% / CARD: 3%
    Exchange Limits €20,000 EUR / 24 hours

    KYC is required

    Bitit is a France based noncustodial Bitcoin exchange offering instant and secure cryptocurrency purchases & sales. The platform also combines services with Neosurf & Cashlib to make cash vouchers available around Paris.

    Trading Fees Card: 3.9% / Sepa: 0.25% / Voucher: 8.75 %
    Buying Limits €15.000 EUR / week


    KYC is required

    Indacoin is an easy to use UK based Bitcoin exchange which lets you purchase more than 100+ coins with Visa & Mastercard and without registering.

    Exchange Limits $200 USD first transaction

    Newton is a Canadian based cryptocurrency exchange offering a zero-fee trading experience for Canadians. The platform lets users purchase and trade Bitcoin, all with zero commissions, funding, and network fees.

    KYC is required

    Amplify is a simple to use cryptocurrency exchange platform that doesn’t require any commissions from trading, however it has a heavy price for withdrawals with EUR currency starting from 25€ per withdrawal.

    KYC is required

    Northcrypto is a cryptocurrency exchange based in Finland offering the ability to both purchase and sell Bitcoin, Ethereum, and Litecoin.

    Trading Fees 1%
    Withdrawal Limits No limits

    KYC is required

    XML Gold is an e-money exchange and transfer service operating since 2006. This platform offers various transfer methods, including ADVCash, PerfectMoney, Payeer, and more. On top of that, they have their very own prepaid card which you can top up using various methods.

    Trading Fees 0 – 20%

    KYC is required

    Iconomi is a social investment, and copy trading platform where users can either buy or sell cryptocurrencies, or copy others’ strategies, or create their own.

    Trading Fees 0% fees, but spread is charged / Spread: 0.75% – 1.5%
    Withdrawal Limits Unlimited

    KYC is required

    Coinjar is an easy to use fiat on-ramp cryptocurrency exchange. The platform can be used to buy and sell Bitcoins, and various other cryptos, convert currencies, send and receive funds, monitor your portfolio, and more.

    KYC is required

    Xcoins is a cryptocurrency exchange designed for debit and credit card purchases. The exchange offers a simplistic user verification procedure and instant delivery of assets to your wallet of choice. The platform accepts both VISA & MasterCards.

    KYC is required

    BitcoinStore provides both physical stores in Kroatia, and also online exchange for buying, and selling various cryptocurrencies. The BitcoinStore exchange, therefore, provides a variety of services, everything from consultation, in-store cash purchases, hardware wallets, and pos services for merchants.

    Trading Fees 1% to 5%

    No KYC requirements

    BitFex is ultra simplistic cryptocurrency trading exchange with no KYC requirements. While the exchange is mainly focused on cryptocurrencies, it also offers various fiat trading pairs, such as RUR, TRY, and USD. Alternative fiat deposit methods include debit, or credit cards using e money services such as, Yandex Money.

    Trading Fees Maximum 0.2% per trade
    Withdrawal Limits No limits

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