Buy crypto in the Netherlands — a calm, beginner-friendly app for 2026

Crypto is legal in the Netherlands under the EU’s MiCA framework, supervised by the AFM and DNB. Whether you’re completely new or your old exchange has left the market, Rumos is a calm, beginner-friendly app with plain-language learning and custody powered by BitGo.

Get the app Common questions

Add money in EUR
Held by BitGo
Lessons in the app

the NetherlandsAvailable now

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What’s changing for crypto users in the Netherlands

In the Netherlands, personal crypto is generally taxed under Box 3 as part of your net wealth — a tax based on a deemed return on your assets each 1 January, not a capital-gains tax on each sale — with a tax-free allowance (€59,357 per person in 2026). The Box 3 system is being reformed toward taxing actual returns, so check current Belastingdienst guidance. This is general information, not tax advice.
Crypto itself is fully legal in the Netherlands — Rumos is available here now, with regulated custody powered by BitGo.

Why people in the Netherlands start with Rumos

Held by a named custodian

Your crypto is kept with BitGo, our regulated custody partner, in segregated accounts.
Lessons in plain English

Short lessons and a quick quiz, right inside the app.
Start small

You can buy part of a coin and go at your own pace.

Frequently asked questions

Is the Rumos app available in Dutch?

The app is in English, Slovenian and Spanish today, with more languages on the way. Everything is written in plain, simple English.

Is crypto legal in the Netherlands?

Yes. Crypto is legal to buy, hold and sell in the Netherlands under the EU’s MiCA regulation, supervised by the AFM (conduct and licensing) and DNB (prudential and anti-money-laundering).

How is crypto taxed in the Netherlands?

For most individuals crypto is taxed under Box 3 as part of your net wealth — based on a deemed return on your assets as of 1 January, not on each sale — with a tax-free allowance (€59,357 per person in 2026). The Box 3 system is being reformed toward taxing actual returns, so check current Belastingdienst guidance. This is general information, not tax advice.

How do beginners in the Netherlands buy their first crypto?

Download a beginner-friendly app, verify your identity once, fund your account by SEPA transfer in euros, and make a small, guided first purchase. Rumos explains each coin and step in plain language.

Is Rumos regulated?

Rumos is a beginner-friendly app, not a licensed exchange. Regulated custody and execution are provided by BitGo, a regulated institutional custodian.