SATOS Trading Fee Calculator
Calculate Your Trading Fees
See how much you'd pay in fees for your crypto trades on SATOS versus other regulated Dutch exchanges.
Your Estimated Fees
Based on a trade of €0
| Exchange | Fees | Cost | |
|---|---|---|---|
|
SATOS
Regulated
|
1.00% | €0.00 | |
|
Bitvavo
Regulated
|
0.15%-0.25% | €0.00 | |
|
Bitonic
Regulated
|
0.25% | €0.00 | |
SATOS charges higher fees (1.00%) because it operates under strict Dutch financial regulations. This includes mandatory security audits, customer protection, and compliance with DNB standards.
Why Fees Matter
Regulated exchanges like SATOS maintain security measures that cost money to operate:
- Quarterly security audits
- Real-time transaction monitoring
- Dutch-language customer support
- Compliance with DNB regulations
The 1% fee is a trade-off for the security and legal protection that regulated exchanges provide. Unlike unregulated platforms, SATOS has never suffered a major security breach.
What Is SATOS Crypto Exchange?
SATOS is a regulated cryptocurrency exchange based in the Netherlands, supervised by De Nederlandsche Bank (DNB), the country’s central bank. Unlike most crypto platforms that operate offshore or with minimal oversight, SATOS is legally required to follow strict Dutch financial rules. This includes verifying user identities (KYC), reporting suspicious activity, and keeping customer funds in secure cold storage. It was one of the first crypto exchanges in the Netherlands and has been operating since before 2017, making it one of the oldest licensed platforms in the country.
Since September 2024, SATOS has partnered with Bybit to offer over 300 cryptocurrency trading pairs to Dutch users. This means you can trade not just Bitcoin and Ethereum, but also lesser-known tokens like Solana, Polygon, and even meme coins - all while staying within a regulated framework. The exchange doesn’t just let you trade crypto; it lets you buy and sell using euros, making it a true fiat-to-crypto gateway for residents of the Netherlands.
Why Regulatory Compliance Matters
Most crypto exchanges you’ve heard of - Binance, Kraken, Coinbase - are global and operate under different rules in different countries. SATOS is different. It answers to De Nederlandsche Bank, which means it’s held to the same standards as banks. This isn’t just a marketing claim - it’s enforced by law.
Under DNB supervision, SATOS must:
- Perform quarterly security audits
- File Suspicious Activity Reports within 30 days of detection
- Block access from sanctioned countries like Russia or Iran
- Store at least 85% of user funds in offline cold wallets
These aren’t optional. Failing any of these means losing their license. That’s why SATOS has had zero major security breaches since its founding. In contrast, Chainalysis reported in 2024 that unregulated exchanges suffered 68% more hacks than regulated ones. If you’re a Dutch resident worried about losing your crypto to a scam or hack, SATOS’s compliance gives you real legal protection - something no offshore exchange can offer.
Trading Fees: High, But Justified
SATOS charges a flat 1% fee on every trade - whether you’re buying $10 of Bitcoin or selling $10,000 of Ethereum. That’s higher than most global exchanges. Binance charges as low as 0.1%, and even Bitvavo, another Dutch exchange, offers fees between 0.15% and 0.25%.
So why does SATOS charge so much?
The answer is regulation. Maintaining compliance isn’t cheap. SATOS spends money on:
- Legal teams to interpret Dutch financial law
- Security audits twice a year
- Real-time transaction monitoring systems
- Dutch-language customer support staff
Compare that to an offshore exchange that operates from a tax haven with no oversight - their fees are low because they cut corners. SATOS doesn’t. For Dutch users who prioritize safety over savings, the 1% fee is a fair trade-off. If you’re a high-volume trader, this will hurt. But if you’re buying crypto occasionally and want peace of mind, it’s worth it.
Payment Methods: Limited but Reliable
SATOS only supports bank transfers in euros. No credit cards. No PayPal. No iDEAL - a popular Dutch payment system used by Bitonic and Bitvavo. This is the platform’s biggest weakness.
Bank transfers take 1-3 business days to clear, which means you can’t react quickly to market swings. If Bitcoin jumps 10% overnight, you won’t be able to buy it until Tuesday. That’s frustrating for active traders.
But here’s the flip side: bank transfers are harder to reverse and less prone to fraud. Credit card purchases on crypto exchanges have led to chargeback scams in the past. SATOS avoids that entirely. For users who don’t need instant buys, the slower process adds a layer of safety.
There’s no mobile wallet integration, no crypto debit cards, and no instant cashouts to e-wallets. It’s a simple, no-frills system - built for compliance, not speed.
Security: Solid, But Not Perfect
SATOS uses industry-standard security practices:
- Two-factor authentication (2FA) via authenticator apps (Google Authenticator, Authy)
- Encrypted data storage
- 90%+ of funds stored in cold wallets
- IP blocking for high-risk regions
Unlike exchanges that rely on SMS-based 2FA - which hackers can hijack through SIM-swapping - SATOS requires app-based 2FA. That’s a big win. Security.org’s 2025 guide lists this as the minimum standard for any reputable exchange.
But here’s what’s missing: insurance for user funds. While SATOS stores assets securely, they don’t offer insurance like Coinbase does. If something catastrophic happens - a system failure, insider threat, or unprecedented cyberattack - your money could be at risk. That’s a gap you should know about.
Best practice? Don’t keep large amounts on SATOS. Use it to buy crypto, then move your holdings to a personal hardware wallet like Ledger or Trezor. That’s what most Dutch financial advisors recommend.
User Experience: Dutch-Only, Simple, Slow
The SATOS website and app are only available in Dutch. No English, no German, no Spanish. If you don’t speak Dutch, you can’t use it. That’s intentional. SATOS targets Dutch residents, not international tourists.
The interface is clean but basic. No advanced charts. No margin trading. No limit orders beyond basic buy/sell. It’s designed for beginners and casual users - not day traders. If you’re used to TradingView, Binance Futures, or Bybit’s advanced tools, you’ll feel limited.
Customer support is available via email and phone, but response times average 12-24 hours. That’s slower than Coinbase (5-minute live chat) or Bitvavo (under 10 hours). If you have an urgent issue - like a failed deposit or locked account - you’ll need patience.
On Trustpilot, SATOS has a 4.1/5 rating from 142 reviews. Users praise the Dutch support team and the feeling of safety from DNB oversight. One review from October 2024 says: “I don’t care that it’s slow - I know my money is protected.” That’s the core appeal.
Who Is SATOS For?
SATOS isn’t for everyone. It’s not the cheapest, fastest, or most feature-rich exchange. But it’s perfect for:
- Dutch residents who want to buy crypto legally and safely
- First-time buyers who don’t want to navigate offshore platforms
- Risk-averse users who value regulation over low fees
- Long-term holders who plan to store crypto off-exchange after purchase
It’s NOT for:
- High-frequency traders who need sub-0.1% fees
- Non-Dutch speakers
- People who want instant payments via iDEAL or credit card
- Users looking for advanced trading tools or staking rewards
How to Get Started on SATOS
Signing up is straightforward - if you’re in the Netherlands.
- Go to satos.nl (only Dutch site)
- Click “Register” and enter your email and password
- Upload your Dutch ID (passport or driver’s license)
- Take a selfie holding your ID (for facial verification)
- Wait 1-3 business days for approval
- Once approved, deposit euros via bank transfer
- Start buying crypto
After your first trade, enable 2FA using Google Authenticator. Never use SMS. Set up a backup code and store it offline. That’s the only way to protect your account long-term.
SATOS vs. Other Dutch Exchanges
| Feature | SATOS | Bitvavo | Bitonic |
|---|---|---|---|
| Regulated by DNB | Yes | Yes | Yes |
| Trading Fees | 1% flat | 0.15%-0.25% | 0.25% flat |
| Payment Methods | Bank transfer only | iDEAL, bank transfer | iDEAL, bank transfer |
| Trading Pairs | 300+ (via Bybit) | 200+ | 80+ |
| Language | Dutch only | Dutch, English | Dutch, English |
| 2FA Type | Authenticator app | Authenticator app | Authenticator app |
| Customer Support | Email/phone, 12-24h response | Email/chat, 5-10h response | Email/chat, 8h response |
| Market Share (Q3 2024) | 22% | 31% | 38% |
Bitvavo wins on features and language. Bitonic wins on speed and fees. SATOS wins on trust. If you’re new to crypto and want to know your money is protected by Dutch law, SATOS is your safest bet.
Future Outlook: Will SATOS Survive?
Deloitte predicts the Dutch crypto market will grow 19% annually through 2027. With 2.1 million Dutch adults already owning crypto, demand is rising. But competition is too.
Bitvavo and Bitonic are pushing hard on lower fees and faster payments. SATOS’s 1% fee is unsustainable long-term. Industry analysts at CryptoCompare expect SATOS to lower fees to 0.5% by late 2026 to stay competitive.
But here’s the key: regulation is becoming the norm. The EU’s MiCA law, effective in 2025, will force all major exchanges operating in Europe to get licensed. SATOS already has its license. Many others don’t. That gives SATOS a long-term edge.
PwC’s 2024 report found that regulated exchanges have an 82% chance of surviving the next five years. Unregulated ones? Just 45%. SATOS isn’t the flashiest platform - but it’s built to last.
Final Verdict
SATOS isn’t perfect. It’s slow. It’s expensive. It’s only in Dutch. But if you’re a Dutch resident who wants to buy crypto without risking your money on an unregulated offshore platform, it’s the most responsible choice you can make.
It’s not about getting the best price. It’s about knowing your funds are protected by Dutch law. That’s rare. That’s valuable. And in crypto, where scams and collapses are common, that’s worth paying for.
If you’re just starting out - or if you’ve been burned before - SATOS gives you something no other exchange can: legal safety. That’s not just a feature. It’s peace of mind.
Is SATOS a safe crypto exchange?
Yes, SATOS is one of the safest crypto exchanges in the Netherlands. It’s regulated by De Nederlandsche Bank (DNB), which requires strict security measures including cold storage for most funds, regular audits, and two-factor authentication. It has never suffered a major breach, unlike many unregulated platforms.
Can non-Dutch users use SATOS?
No. SATOS only accepts users with a Dutch ID and bank account. The entire platform is in Dutch, and it’s designed exclusively for residents of the Netherlands. If you’re not a Dutch citizen or legal resident, you cannot sign up.
Why does SATOS charge 1% in trading fees?
The 1% fee covers the cost of regulatory compliance. SATOS must follow Dutch banking laws, which require KYC checks, fraud monitoring, security audits, and legal reporting. These are expensive to maintain. Most low-fee exchanges cut corners on compliance - SATOS doesn’t.
Does SATOS offer staking or DeFi features?
No. SATOS is a simple buy/sell exchange. It doesn’t offer staking, lending, yield farming, or any DeFi tools. It’s focused on regulated fiat-to-crypto trading, not advanced finance. If you want staking, use Binance or Kraken after transferring your crypto off SATOS.
How long does verification take on SATOS?
Verification typically takes 1-3 business days. You’ll need to upload a Dutch ID and take a selfie. Once approved, you can deposit euros and start trading. There’s no fast-track option.
Is SATOS better than Bitvavo?
It depends. Bitvavo has lower fees (0.15-0.25%), iDEAL payments, and English support. SATOS has stronger regulatory oversight and a simpler, more secure interface. If you care about speed and features, choose Bitvavo. If you care about legal protection and simplicity, choose SATOS.
Can I withdraw euros from SATOS?
Yes. You can withdraw euros back to your Dutch bank account via bank transfer. Withdrawals take 1-3 business days. There are no withdrawal fees, but the process is slow - just like deposits.
What cryptocurrencies can I trade on SATOS?
SATOS offers over 300 trading pairs through its partnership with Bybit. This includes Bitcoin, Ethereum, Solana, Cardano, Dogecoin, Polkadot, and many more. You can’t trade every single token, but you have access to nearly all major and popular coins.
Next Steps for New Users
If you’re ready to start:
- Go to satos.nl and register with your Dutch details
- Prepare your passport or Dutch driver’s license for ID upload
- Download Google Authenticator or Authy before verification
- After approval, make your first euro deposit via bank transfer
- Buy a small amount of Bitcoin or Ethereum to test the system
- Once you’re comfortable, enable 2FA and move long-term holdings to a hardware wallet
Don’t rush. Crypto is irreversible. SATOS gives you time to learn - use it.
fanny adam
November 27 2025The fact that SATOS is regulated by DNB doesn't make it safe-it makes it a target. Governments control what they regulate, and once they have your identity, your transactions, your IP logs, and your banking details, you're no longer an investor-you're a data point. The 'peace of mind' they sell is just surveillance with a Dutch accent. I've seen this script before: compliance as a cage. The 1% fee? That's the toll for walking into a gilded prison.
And don't get me started on 'cold storage.' Cold storage isn't magic-it's just a server in a bunker. If DNB ever decides crypto is a threat to the financial system, they can freeze accounts, seize assets, and rewrite the rules overnight. Regulation doesn't protect you-it just makes your theft official.
My advice? Buy BTC on a peer-to-peer platform. Use a VPN. Never link your bank. If you want safety, don't trust institutions. Trust code, keys, and anonymity. SATOS isn't the future-it's the last stop before the state takes over.
And yes, I'm aware this sounds paranoid. But history has a habit of proving the paranoid right.
- Fanny Adam, PhD in Financial Systems, MIT