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C
Coinmate
Best for CZ/SK users · Direct CZK trading · MiCA licensed by ČNB (2026)
Founded 2014 · Prague, Czech Republic · First Czech crypto exchange
🚨 Update November 3, 2026 — Coinmate data breach. On October 30 an attacker downloaded personal data (name, birth date and place, citizenship, address, phone) of about 123,000 users. Coinmate says funds, passwords, 2FA, ID documents and balances were not affected and withdrawals work normally; it reported the incident to the Czech National Bank, the data protection office and police. Expect scam calls using these details.
What leaked and what to do → ·
Česky
⚡ Quick Verdict
Coinmate is the best choice for Czech and Slovak crypto investors who want to buy Bitcoin and other cryptos directly in Czech Crowns (CZK) without any currency conversion. Founded in 2014, it has no publicly reported hack in 12 years, received a MiCA licence from the Czech National Bank in February 2026, and holds ISO/IEC 27001:2022 certification. The coin selection is smaller than global exchanges, but for straightforward CZK investing, nothing comes close.
Coinmate Overview
Coinmate was founded in 2014 by Roman Valihrach and Daniel Houška — making it the first Czech crypto exchange. Headquartered in Prague, it has been serving Czech and Slovak investors for over a decade with no publicly reported hack of customer funds, making it one of the most trusted names in the Central European crypto market.
What truly sets Coinmate apart from any other exchange in the world is its direct CZK/crypto trading pairs. While other European exchanges only support EUR, Coinmate allows you to deposit Czech Crowns directly from your bank account and buy Bitcoin or Ethereum without any currency conversion — which means no FX markup and no conversion fees eating into your investment.
Fees & Costs
Coinmate uses a maker/taker fee model on its Advanced Trading platform, with fees decreasing as your monthly volume increases. The entry rates are clearly higher than Bitvavo's (0.40% maker / 0.60% taker below €10,000 a month, against 0.15% / 0.25%), but they fall quickly with volume — and paying in CZK without currency conversion makes a real practical difference for Czech investors. Rates below are from Coinmate's official fee document.
| 30-day volume (EUR) | Maker Fee | Taker Fee |
|---|
| Below €10,000 | 0.40% | 0.60% |
| Below €100,000 | 0.20% | 0.30% |
| Below €250,000 | 0.12% | 0.23% |
| Below €500,000 | 0.09% | 0.21% |
| Below €1M | 0.05% | 0.18% |
| Below €3M | 0.03% | 0.15% |
| Below €15M | 0.02% | 0.12% |
| €15M and above | −0.04% (rebate) | 0.10% |
Quick Buy uses a spread-based pricing model — there is no explicit fee, but the exchange rate includes a spread that covers Coinmate's margin. This is the simplest way to buy crypto on Coinmate and is recommended for beginners.
💡
CZK advantage: If you deposit CZK and use CZK trading pairs, you avoid the typical 0.5–1% EUR/CZK conversion cost that you would incur on other European exchanges. For regular DCA investing, this saving adds up significantly over time.
Deposit fees: CZK bank transfers are free. EUR SEPA deposits cost €1 flat. Crypto deposits are free. Withdrawal fees depend on the asset — BTC withdrawal has both an economy and priority option, with the economy option being cheaper but slower.
Security & Regulation
Czech & Slovak Crypto Exchange
CZK/EUR/GBP pairs · Fast bank transfers · Licensed in Czech Republic.
CZK pairsCZ licensedFast SEPA
Coinmate's security track record is one of its strongest selling points. In over 12 years of operation there has been no publicly reported hack of customer funds — a strong record in an industry where even large exchanges have been compromised.
On the regulatory side, Coinmate received a MiCA licence from the Czech National Bank (ČNB) on February 11, 2026, among the first six Czech crypto firms approved out of 248 applicants, and operates under EU AML and KYC rules. It is also a member of the Czech Fintech Association and holds ISO/IEC 27001:2022 certification — the international standard for information security management. This level of certification is rare among crypto exchanges and places Coinmate's security standards on par with traditional financial institutions.
Security measures include cold storage for 98% of user funds, two-factor authentication (2FA), strict separation of client assets from operational funds, and banking-grade custody infrastructure through leading Czech financial institutions.
🔐
Security best practice: Enable 2FA on your Coinmate account, use a strong unique password, and whitelist your withdrawal addresses. For significant long-term holdings, move funds to a hardware wallet like Ledger or Trezor.
Features & Products
Quick Buy / Quick Sell
Coinmate's Quick Buy interface is designed for complete beginners. You select a cryptocurrency, enter the amount in CZK or EUR, and confirm — the price is guaranteed for the duration of the transaction. No order books, no charts, no complexity. You can start with as little as €2 or 25 CZK.
Advanced Trading (TradingView)
For more experienced users, Coinmate offers a full trading platform powered by TradingView. This gives you access to professional charting tools, technical analysis indicators, and limit/market orders — the same interface used by traders worldwide. This is where the lower maker/taker fees apply.
Recurring Buy (DCA)
Coinmate supports automated recurring purchases, allowing you to set up a standing order to buy a fixed amount of Bitcoin or other crypto on a regular schedule. This is one of the most practical features for long-term Czech investors who want to implement a DCA strategy without manual effort.
API & Trading Bots
Coinmate provides a comprehensive API for algorithmic trading, supporting integrations with popular Czech trading bots including Štosuj.cz, Bitrobot Pro, and DCA Bot. The API also supports Bitcoin ATMs, merchant payment integrations, and mass payouts.
What Coinmate Doesn't Offer
Coinmate deliberately keeps its offering focused: there is no staking, no futures trading, no leverage, and no mobile app. If you need these features, consider Kraken or Bybit. The coin selection is also limited to 26 cryptocurrencies — if you need access to hundreds of altcoins, a global exchange will serve you better.
Pros & Cons
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Pros
- One of the few exchanges with direct CZK/crypto order books
- 12+ years with no publicly reported hack
- MiCA licensed by ČNB (2026) + ISO 27001:2022
- Czech-language customer support
- Minimum deposit from just €2 / 25 CZK
- Free CZK bank deposits
- TradingView-powered Advanced Trading
- Recurring Buy / DCA support
- API for trading bots
Cons
- Only 26 cryptocurrencies
- No mobile app
- No staking, futures or leverage
- Email-only customer support
- €1 fee for SEPA EUR deposits
- Less liquid than global exchanges
Open Coinmate Account →
Who Is Coinmate For?
| User Type | Verdict | Reason |
|---|
| Czech & Slovak investors | Excellent | Direct CZK, Czech support, MiCA licensed |
| Bitcoin DCA investors | Excellent | Recurring buy, low minimum, no FX costs |
| Security-focused users | Great | No reported hack in 12 years, ISO 27001 |
| Beginners | Great | Quick Buy, simple interface, Czech support |
| Active traders | Good | TradingView platform, but limited pairs |
| Altcoin investors | Not ideal | Only 26 coins — use Bitvavo or Binance |
🏆 Final Verdict
The Natural First Choice for Czech & Slovak Investors
Coinmate is not trying to compete with Binance or Bitvavo on coin selection or fees. What it does best is provide direct Czech Koruna access to crypto — with 12 years without a reported hack, a ČNB MiCA licence, ISO 27001 certification, and genuine Czech customer support. For a Czech or Slovak investor who wants to buy Bitcoin with their monthly salary in CZK, Coinmate is the obvious, trusted choice. For altcoin trading or advanced features, combine it with a global exchange.
Start Trading on Coinmate →
Frequently Asked Questions
Is Coinmate safe?
Yes. Coinmate has operated since 2014 with no publicly reported hack of customer funds. It keeps most user funds in cold wallets, received a MiCA licence from the Czech National Bank (ČNB) in February 2026 in the first wave of six Czech approvals, holds ISO/IEC 27001:2022 certification, and keeps client assets strictly separate from operational funds.
Can I buy crypto with Czech Crowns (CZK) on Coinmate?
Yes — Coinmate is one of the few exchanges with its own direct CZK/crypto order books. You can deposit CZK via bank transfer and buy Bitcoin or Ethereum without any currency conversion fees. The minimum deposit is just 25 CZK.
What cryptocurrencies does Coinmate support?
Coinmate supports 26 cryptocurrencies including BTC, ETH, SOL, XRP, ADA, LTC, DASH, and USDT across 16 trading pairs in CZK, EUR, and BTC markets. If you need access to a broader range of altcoins, consider combining Coinmate with
Bitvavo or
Binance.
Does Coinmate have a mobile app?
No. Coinmate does not have a dedicated mobile app. However, the website is fully responsive and works well on smartphones via a browser. Both the Quick Buy interface and the Advanced Trading platform are accessible on mobile.
How do I deposit money on Coinmate?
The easiest method for Czech users is a CZK bank transfer — free and typically processed within one business day. EUR SEPA transfers cost €1 flat. You can also deposit cryptocurrency directly to your Coinmate wallet for free.
How does Coinmate compare to Bitvavo?
Bitvavo has lower fees and more coins (390+ vs 26), but only supports EUR — no CZK. Coinmate is the better choice if you want to invest directly in Czech Crowns and value Czech-language support. Many Czech investors use both: Coinmate for CZK purchases and Bitvavo for broader altcoin exposure. See our
full European exchange comparison.
