Finst Review: What’s the Hype? (May 2026)

Cryptocurrency investing in Europe has long been weighed down by opaque fees, hidden spreads, and clunky platforms. This Finst Review takes a close look at the Amsterdam-based crypto broker built by ex-DEGIRO leadership to help you decide whether it deserves a spot in your investment toolkit.

What is Finst?

Finst is a Dutch crypto-asset service provider headquartered in central Amsterdam. The platform was founded by ex-core team members of DEGIRO, the largest online stock broker in Europe, and is backed by entrepreneurs including the founders of DEGIRO and Deribit. Its leadership combines decades of experience in trading, compliance, IT, risk management, and security.

Finst is authorized by the Dutch Authority for the Financial Markets (AFM) under number 41000015. The company exists for one stated purpose: to ensure investors no longer pay exorbitant fees on crypto. According to its own cost comparison, users save 82% on average on trading fees versus other Dutch crypto platforms.

Finst Review: Key Features and Products

• Ultra-low flat fee: Finst charges a single transparent flat fee of 0.15% per transaction regardless of trade size, with no added spread on the execution price.
• Wide asset range: A broad selection of digital assets is available to trade 24/7 across desktop, tablet, and mobile, with no minimum number of trades required to qualify for low fees.
• Crypto Bundles: Diversified baskets such as the Top 10, Top 25, and Green Bundle let you invest in multiple cryptocurrencies in a single click, weighted by real-time market capitalization and rebalanced monthly.
• Auto Invest: Recurring purchases at a chosen frequency apply Dollar Cost Averaging to any supported coin or Bundle, with an option to automatically withdraw the purchased crypto to your personal wallet on each execution.
• On-chain Staking: Earn rewards on supported Proof-of-Stake assets at competitive APYs while retaining full beneficial ownership of your coins, with no third-party lending and no lock-up imposed by Finst itself.
• Multiple order types: Market, limit, and stop-loss orders are supported on the platform today, and Finst states that additional order types are planned and will be communicated to clients as they become available.
• Multilingual platform: The interface is available in seven languages — English, Dutch, French, Spanish, German, Italian, and Portuguese — making the platform accessible to investors across most major European markets at no extra cost.
• Free account features: There are no fees for opening or closing an account, no account management or custody fees, and real-time prices on the full range of crypto assets are also provided free of charge.
• Low entry point: The minimum transaction amount is just €1, and there is no minimum number of trades required to qualify for the standard 0.15% fee, keeping the platform genuinely accessible to small investors.
• Suggest asset feature: If a coin you want is not yet listed, the search bar offers a Suggest Asset option that lets you formally request the asset to be added directly to the Finst product team.
• Proof of Reserves: Finst is the first and only Dutch cryptocurrency platform to have released an extensive Proof of Reserves verified by a reputable and independent audit firm, viewable from its public website.
• Referral program: Finst operates a referral program that lets existing clients earn rewards for inviting new users to join the platform, with full details available on its dedicated referral page online.

Finst Review: Pricing

Finst’s pricing is built around a single flat trading fee. Unlike many competitors, the platform charges no spread on execution, so prices reflect the true market quote. Below is a summary of the fees disclosed in the official help centre:

There is no minimum number of transactions required to access these fees, and Finst commits to no hidden costs.

Investment Tools: Bundles, Staking, and Auto Invest

The three flagship investment tools — Bundles, Staking, and Auto Invest — are designed to work together. Bundles charge a 0.10% monthly rebalancing fee on the Bundle value, with no entry, exit, or maintenance fees, no minimum amount, and no holding period. Staking is strictly on-chain, so coins are never lent to third parties; Finst manages blockchain unbonding periods in the background, so users can sell or withdraw at any time, and rewards are calculated daily using a live APY shown per asset. Auto Invest charges no extra fee on top of the standard 0.15% trading fee, and staking rewards apply to coins held inside Bundles too.

Finst Review: Mobile App

Finst offers free mobile apps for both iOS and Android, and the platform is also accessible via mobile browser. The mobile experience mirrors the desktop platform’s full functionality — order placement, Bundle investing, Auto Invest setup, staking, and a complete transaction history view.

Login is secured through device pairing, PIN code, and biometric authentication. Users logging in to the web app at app.finst.com can scan a QR code with the mobile app, similar to how major Dutch banks handle authentication. The app supports both light and dark modes and all seven platform languages.

Finst Review: Security

Safety is positioned as Finst’s absolute priority, and the help centre lays out a multi-layered architecture:

• Regulation: Authorized by the Dutch AFM under number 41000015
• Two-Factor Authentication: Enabled by default at registration, with device pairing and email plus SMS verification for every new device
• Custody: Cryptocurrencies are held with Fireblocks, a leading wallet provider using Multi-Party Computation (MPC) technology
• Banking partners: Client cash is held with bunq and ING, two large regulated Dutch banks
• Segregation: Assets sit in a fully segregated structure, never on Finst’s balance sheet
• No lending: Finst never lends or rehypothecates client assets, removing the counterparty risk common on Earn-style platforms
• Infrastructure: Data is encrypted, and the platform runs on Google Cloud Europe
• Proof of Reserves: First Dutch crypto platform to release an independently audited Proof of Reserves
• Privacy: Customer data is never sold to third parties

Finst Review: UI and UX

The desktop platform runs entirely in the browser at app.finst.com with no software installation required, and is described as intuitive, fast, and comprehensive. Light and dark modes are available across desktop, tablet, and mobile.

A clean Activity tab gives a single view of all transactions and the exact fees paid on each, reinforcing the transparency promise. A built-in feedback button lets investors send suggestions directly to the team, and Finst states it prioritises feature development based on client feedback.

Finst Review: Conclusion

Finst presents a clear and compelling proposition for European crypto investors: ultra-low and transparent fees, a regulated entity backed by veterans of DEGIRO and Deribit, and an institutional-grade security architecture built on Fireblocks custody and Dutch banking partners. The product suite — spot trading, Crypto Bundles, on-chain Staking, and Auto Invest — covers most rational use cases for both new and experienced investors, while features like Proof of Reserves and a strict no-lending policy address concerns raised by past failures across the broader crypto industry.

The interface is clean, the mobile experience is full-featured, and the €1 minimum keeps the platform accessible. For investors in regions where Finst is licensed and looking for a no-spread, low-fee crypto broker with adult-grade safeguards, this Amsterdam-built platform is worth serious consideration.