How the eToro Reliability Score is built
9.0/10Every part is scored with the same published method. Points are given only for facts confirmed from a public source. How we rate
Pros
- MiCA passport for 30 of 30 EEA countries
- Operating since 2007
- Free euro withdrawals
- 150+ crypto-assets
Cons
- Proof of reserves not confirmed
- Withdrawal allow-list not confirmed
MiCA authorisation
Authorised- EU entityeToro (Europe) Ltd
- LEI213800GIFQMSV7HROS23
- RegulatorCyprus Securities and Exchange Commission (CySEC)
- Home stateCyprus
- Authorised16 January 2025
- Passport30 of 30 EEA countries
Authorised MiCA services (7)
- Custody of crypto-assets
- Exchange for funds (EUR)
- Order execution
- Reception and transmission of orders
- Advice
- Portfolio management
- Transfer services
Source: ESMA interim MiCA register, downloaded 24 October 2026. How to check a licence
Company and track record
- Founded2007
- Registered address4 Profiti Ilias Street Kanika Business Centre, 7th Floor Germasogia CY-4046, Limassol, Cyprus
Payments
Deposit methods are shown in the app before you pay.
- EUR withdrawalFrom the eToro Money EUR account, free
Coins and products
- TypeBroker app
- Coins150+
- Crypto withdrawalsYes
Account security
- Two-factor authenticationYes
- Withdrawal address allow-listNot confirmed
- Proof of reservesNot confirmed
"Not confirmed" means we could not confirm the feature from a public source; it does not mean the feature is missing.
Identity checks (KYC)
RequiredeToro verifies the identity of every customer before trading, as EU anti-money laundering rules require.
Where eToro is available under MiCA
Checking your location…Notified in 30 EEA countries
Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
A MiCA passport means the firm may offer its services in that country; it can still choose not to accept customers from every country.
eToro review: crypto costs
| Item | Published by eToro |
|---|---|
| Crypto trades, standard tiers | 1% per position |
| Selling crypto to EUR, GBP or USD in the wallet | 0.6%–1% |
| Transfers from an external source to eToro | No eToro charge |
| Transfers from the eToro platform | 2% fee |
From eToro's fees page, checked 24 October 2026. eToro states that the market spread is not a cost it charges.
A 1% fee on buying and again on selling means a round trip costs about 2% before any spread, which the break-even calculator shows.
eToro review: euros and payments
eToro's fees page states that the EUR account is provided by eToro Money Malta Ltd, a different company from the MiCA-authorised eToro (Europe) Ltd.
The same page lists SEPA transfers in and out of that account as free, and states that withdrawals from a local currency account such as EUR carry no fee; the fixed $5 fee applies only to withdrawals from a USD account.
eToro review: how the Reliability Score was calculated
The eToro Reliability Score is 9.0 out of 10, rated Excellent, calculated with the same published method as every other exchange.
| Part | Points | Basis |
|---|---|---|
| MiCA licence | 3 / 3 | Authorised by CySEC, passport notified for 30 of 30 EEA countries |
| Track record | 2 / 2 | Operating since 2007 |
| Transparency | 0.5 / 1 | Fee schedule published; proof of reserves not confirmed from a public source |
| Identity checks | 1 / 1 | Identity verification (KYC) required before trading |
| Account protection | 0.5 / 1 | Two-factor authentication available; withdrawal address allow-list not confirmed from a public source |
| Euro withdrawals | 2 / 2 | Euro withdrawals to a bank account: From the eToro Money EUR account, free |
Points are given only for facts confirmed from a public source; "not confirmed" means we could not confirm a feature, not that it is missing.
eToro review: compared with similar MiCA providers
How does eToro compare with providers of a similar type? The table uses register facts from ESMA and the Reliability Scores calculated with the published method.
| Exchange | Type | Regulator | EEA countries | Reliability Score |
|---|---|---|---|---|
| eToro | Broker app | CySEC | 30 | 9.0 |
| Revolut | Broker app | CySEC | 29 | 9.0 |
| Bitpanda | Broker app | FMA | 30 | 9.0 |
| SwissBorg | Broker app | AMF | 30 | 9.0 |
Register facts from ESMA; Reliability Scores calculated with the published method.
The table is a starting point: costs on the screen you use, and how you plan to store your coins, matter at least as much.
eToro review: what a purchase would cost
The calculator below starts from the eToro crypto fee per position published by the provider, 1%; change the other fields to match your purchase.
eToro review: who it may suit
eToro may suit people who want crypto alongside other investments in one familiar app and accept a simple 1% fee per crypto position for standard tiers.
Those who plan to move coins to their own wallet should factor in the 2% fee eToro lists for transfers from its platform.
eToro review: related guides and tools
Frequently asked questions
Is eToro MiCA-authorised?
Yes. eToro (Europe) Ltd is listed in ESMA's register, authorised by CySEC and passported to all 30 EEA countries.
What does eToro charge for crypto?
Its fees page lists 1% per position on crypto trades for standard tiers, and 0.6%–1% for selling crypto to fiat in the wallet.
Can I move crypto from eToro to my own wallet?
Yes. eToro's fees page lists a 2% fee for transfers from the eToro platform.
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