Best Crypto Apps in the EU

Most people now buy crypto on a phone, which makes the app, and the security of the phone it runs on, part of the safety of your money.

This guide compares crypto apps from MiCA-authorised providers and explains how to install and secure them.

CoinTrustRadar.com editorial team Facts checked from primary sources

9.5/10

Crypto.com Exchange

  • MiCA-authorised by MFSA (Malta)
  • Passported to 30 EEA countries
  • Authorised 27 January 2025
AppiOS | Android
2FAYes
RegulatorMFSA, Malta
Official site ↗No partnership — listed for comparison only
9.5/10

OKX Exchange

  • MiCA-authorised by MFSA (Malta)
  • Passported to 30 EEA countries
  • Authorised 27 January 2025
AppiOS | Android
2FAYes
RegulatorMFSA, Malta
Official site ↗No partnership — listed for comparison only
9.0/10

Bit2Me Exchange

  • MiCA-authorised by CNMV (Spain)
  • Passported to 30 EEA countries
  • Authorised 31 October 2025
AppiOS | Android
2FAYes
RegulatorCNMV, Spain
Official site ↗No partnership — listed for comparison only
9.0/10

SwissBorg Broker app

  • MiCA-authorised by AMF (France)
  • Passported to 30 EEA countries
  • Authorised 5 March 2026
AppiOS | Android
2FAYes
RegulatorAMF, France
Official site ↗No partnership — listed for comparison only
7.5/10

Northcrypto Broker app

  • MiCA-authorised by FIN-FSA (Finland)
  • Passported to 3 EEA countries
  • Authorised 25 November 2025
AppiOS | Android
2FAYes
RegulatorFIN-FSA, Finland
Official site ↗No partnership — listed for comparison only

Crypto-assets are high-risk and you can lose all the money you invest. Exchanges are ranked by the Reliability Score, and partners get no boost. Fees and terms change, so the exchange's own terms apply. Links marked as partner links are affiliate links. Crypto risks explained

What to check in crypto apps

  • The provider: the app belongs to a MiCA-authorised firm you can find in ESMA's register.
  • The source: installed from the official App Store or Google Play listing linked on the provider's website.
  • Login protection: two-factor authentication, biometrics or passkeys.
  • Withdrawal controls: allow-lists and confirmation steps.
  • Fees in the app: the simple buy screen can cost more than the trading screen.

Fake crypto apps

Fake apps that copy the name and logo of real exchanges appear in app stores and on websites from time to time.

Install an app only through the store link on the provider's official website, and check the developer name in the listing.

Never install an app from a link sent by someone you met online, which is a common step in investment scams, as the guide to crypto scams explains.

Securing your phone for crypto apps

  1. Keep the phone updated and protected with a screen lock.
  2. Use an authenticator app or passkey rather than SMS codes where possible.
  3. Protect your mobile number with a carrier PIN against SIM swaps.
  4. Turn on alerts for logins and withdrawals.
  5. Never install remote-access apps at someone else's request.

The account security check covers each point.

Crypto apps and impulsive trading

An app in your pocket makes trading easy at any moment, including moments of fear or excitement.

Turning off price notifications and checking prices less often helps keep decisions calm, as the investor behaviour quiz explains.

Best crypto apps: what to look for in the app itself

FeatureWhy it matters
Clear total cost before confirmingShows fees and spread before you commit
Biometric or passkey loginFast and harder to phish
Withdrawal confirmations and allow-listsProtect against account takeover
Transaction history exportNeeded for records and taxes
In-app support and complaintsKeeps contact on official channels
Optional price notificationsLets you reduce triggers to trade

Best crypto apps: exchange apps and broker apps

Exchange apps often have two modes: a simple buy screen and a full trading screen with an order book.

Broker apps usually have only the simple mode, and the cost is often in the price you see.

The spread calculator compares the two, and the guide to brokers versus exchanges explains the differences.

Best crypto apps: installing safely step by step

  1. Open the provider's website by typing its address.
  2. Follow its link to the App Store or Google Play.
  3. Check the developer name and that it matches the provider.
  4. Install and log in without using links from messages.
  5. Turn on app-based two-factor authentication and biometrics.

Best crypto apps and lost phones

If your phone is lost or stolen, contact your exchange through its website to secure the account, change your email password and remove the lost device from your accounts.

Keeping backup codes for two-factor authentication offline makes it much easier to regain access.

Best crypto apps: notifications and wellbeing

Many apps send price alerts and promotional messages by default.

Turning off everything except security alerts keeps the app useful without pulling you into constant checking.

Best crypto apps: providers listing iOS and Android apps

Among the providers reviewed here, the following list both iOS and Android apps on their own websites.

ProviderApps statedReview
OKXiOS, AndroidOKX review
Crypto.comiOS, AndroidCrypto.com review
Bit2MeiOS, AndroidBit2Me review
SwissBorgiOS, AndroidSwissBorg review
NorthcryptoiOS, AndroidNorthcrypto review

Checked on each provider's own website on 24 October 2026; other providers also have apps that have not yet been verified here.

Always install an app through the link on the provider's own website, so you know it is the genuine one.

Best crypto apps: permissions to watch

PermissionWhy an app may askWhat to consider
CameraIdentity verification and QR codesReasonable; allow while using the app
NotificationsSecurity alerts and price alertsKeep security alerts, turn off promotions
BiometricsQuick and secure loginUseful together with a strong device passcode
ContactsSending to friends or referralsRarely needed; can usually be refused
LocationCompliance or fraud checksCheck the privacy policy for the reason

Best crypto apps: phone settings that protect you

  • A strong passcode on the phone, not a simple four-digit code.
  • Automatic updates for the operating system and apps.
  • A SIM PIN, which makes taking over your phone number harder.
  • No jailbreaking or rooting on the phone used for crypto.
  • An authenticator app with a backup, so a lost phone does not lock you out.

Best crypto apps when travelling

Public Wi-Fi in hotels and airports is a common place for attacks, so use mobile data or a trusted connection for crypto apps.

Logging in from a new country can trigger security checks or a temporary block, so keep your verification details at hand.

Remember that a provider's passport covers EEA countries, and using the app while living outside the EEA may break its terms.

Best crypto apps: questions readers ask

Is an app safer than a website? Not automatically; both are safe when genuine and up to date, and both can be faked.

Can I use the same account on several devices? Usually yes, but every extra device is another place where your account can be reached.

What if the app is not in my country's app store? The provider may not serve your country, so check the EU availability page before looking elsewhere.

Best crypto apps: removing an app safely

Before deleting a crypto app or selling a phone, make sure you can still log in from another device and that your authenticator codes are moved or backed up.

Log out of the app, then reset the phone to factory settings before giving it away.

If you stop using a provider altogether, withdraw your assets and close the account rather than leaving a forgotten balance behind.

A forgotten account with an old password is an easy target for attackers.

Best crypto apps: questions to ask the provider

Does the app support passkeys or an authenticator app for login and withdrawals?

Can withdrawals be limited to saved addresses, with a waiting period for new ones?

How does the provider confirm that a support message really comes from it?

The answers, usually found in the help centre, show how seriously an app treats account security.

Frequently asked questions

Which crypto apps are available in the EU?

The list above shows apps from MiCA-authorised providers notified in your country whose app availability has been verified.

How do I know a crypto app is genuine?

Install it through the store link on the provider's official website and check the developer name.

Are crypto apps safe?

An app from an authorised provider on an updated, locked phone with strong login protection is reasonably safe, but crypto prices remain high-risk.

Should I use SMS codes for crypto apps?

An authenticator app, passkey or security key is stronger than SMS, which can be bypassed with a SIM swap.

Can I lose crypto if I lose my phone?

For an exchange account, you can usually recover access through the provider. For a self-custody wallet app, you need your recovery phrase.

Written and fact-checked by
CoinTrustRadar.com editorial team

Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate