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Account types

Updated today

Coinmerce offers its Services to Clients via two Account Types. These Account Types have been developed to cater the needs and desires of different types of Clients.

Based on the Account Type you choose, there will be different Services made available to you and different risks will be applicable. Please ensure to read the Risk Disclaimer, in particular the relevant section covering risks applicable to your selected Account Type.

Choosing your account
Type should be done based on your goals, experience and risk appetite. If you have a long term horizon in which you will not actively be managing your Crypto Assets and want to minimise risks, a Custody account is best suitable for you. In contrast, if you expect to be quite active, wish to generate yield on your Crypto Assets or are a bit more tolerant to risk, a Normal account might be more suited for you.

You are not allowed to have multiple accounts at Coinmerce, meaning that you can not have a Custody account and a Normal account at the same time. However, you are free to change your Account Type at any time. You can do so in your User Interface under ‘account settings’.

Custody account
A Custody account is most suited for Clients who are long term holders and don’t expect to transact much during a year. Your assets will be held by a separate entity - the Foundation - to make sure your assets are segregated from Coinmerce company assets. Crypto Assets of Clients with a Custody Account are for a large part stored in Foundation cold wallets to provide maximum security. Custody Accounts do not have access to Yield Services, meaning you are not able to generate yield on the Crypto Assets in your Account.

Normal account

A Normal account is most suited for Clients who are more active, prefer to have the lowest Exchange fees possible, and want to generate yield on their eligible Crypto Assets. By choosing for a Normal account, you provide explicit consent for having (a portion of) your eligible Crypto Assets being dedicated to the Earn program to generate weekly paid-out Rewards. Your Euro balance and Crypto Assets not dedicated to the Earn Program will be held in Foundation Wallets on your behalf.

Coinmerce Earn B.V. and the Yield Services offered by this entity are currently not regulated under MiCAR. For this reason, certain protections may not apply to this service. For more information, please refer to the Risk Disclaimer and the Earn Terms and Conditions. Any conflicts of interest are handled in accordance with MiCAR requirements. For more information, please read our Conflict of Interest Statement.

Custody account

Normal account

Custody Services

Custody Services

  • Crypto-asset Storage

    Cold storage (offline storage) as a service. Your crypto-assets are held 1:1 in Foundation Wallets.

  • Euro balance

    Held securely in the Foundation’s bank account.

  • Fees

    Subscription: 1 EUR per month.

    Additional custody fee: (1% per annum) if the portfolio is above 10.000 EUR.

  • Crypto-asset Storage
    Non-eligible and crypto-assets not dedicated to the Earn Program are stored in Foundation Hot Wallets.

  • Euro balance
    Held securely in the Foundation’s bank account.

  • Fees
    Not applicable

Exchange Services (Trading)

Exchange Services (Trading)

  • Buy Crypto
    Convert Euro to Crypto

  • Sell Crypto
    Convert Crypto to Euro

  • Swap Crypto
    Concert Crypto to Crypto

  • Exchange Fee
    0,50%

  • Buy Crypto
    Convert Euro to Crypto

  • Sell Crypto
    Convert Crypto to Euro

  • Swap Crypto
    Concert Crypto to Crypto

  • Exchange Fee
    0,25%

Transfer Services

Transfer Services

  • Deposit and Withdraw crypto-assets*

  • Deposit and Withdraw crypto-assets*

Yield Services

Yield Services

  • Not applicable to Custody accounts.**

  • Compound Yield
    Receive weekly compounding rewards by participating in the Earn Program

  • No lock-up periods
    Benefit from fully flexible participation, trade or withdraw crypto-assets at any time.


  • Accountability
    Coinmerce Earn B.V. and Coinmerce B.V. guarantee the return of crypto-assets upon request.***

* Travel Rule requirements might apply.

** You may change your selected account type at any moment.

*** Please be aware of limitations applicable to Coinmerce B.V.’s Redelivery Guarantee under the Earn Program. Ensure to consult the applicable terms and conditions.

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