Independent broker review · Updated July 27, 2026
Coinhouse: european PSAN-regulated crypto platform? My 2026 review
A well-regulated European crypto platform with strong security, but high fees and no Canadian registration.
Our take
My take on Coinhouse
Coinhouse is a French crypto platform founded in 2014 and based in Paris. It is registered as a PSAN, a digital-asset service provider, with the AMF in France, and it has built a reputation for a clean interface, solid security and responsive support. For a European user it is a credible, regulated on-ramp to around 50 crypto-assets.
For a Canadian user the picture is more nuanced. Coinhouse holds no Canadian registration: it is not a member of CIRO and not registered with the CSA, so it serves Canadian clients cross-border, its wire transfers are built around SEPA, and its trading fees run high, up to 3.49% on card purchases. We list it as a reference review. It is a useful benchmark, but a Canadian starting out will usually be better served by a locally registered exchange.
Why trust HelloBrokers?
This review is not a copy-paste of Coinhouse's marketing page. We tested the platforms, modelled the cost of a typical trade down to the pip, and benchmarked Coinhouse against the 4 brokers in our comparison. A broker is judged on verifiable figures, not marketing promises.
The essentials
Coinhouse at a glance
Key characteristics, verified on July 27, 2026.
Safety & regulation
Is your money safe?
Coinhouse is registered as a PSAN (prestataire de services sur actifs numeriques) with the AMF, France's markets regulator. That registration governs anti-money-laundering and custody standards in the European framework, and Coinhouse holds client assets mostly in cold storage with insurance on funds. The gap for a Canadian user is jurisdictional. Coinhouse is not a CIRO member and not registered with the CSA, so it is not inside Canada's crypto-platform regime; it serves Canadian clients cross-border. Crypto is not legal tender in Canada, and holdings are not covered by CIPF (FCPE). Gains are generally taxable and you must declare them to the CRA yourself. This is not tax advice.
🔒 HelloBrokers safety score: 3.6 / 5
Fees & spreads
What does it really cost?
Coinhouse is transparent about its fees, but they sit above the market. Card purchases cost 2% to 3.49%, sales 2%, and crypto-to-crypto conversions 0.5% to 2%. Fiat withdrawals carry a 2% fee with a 5 EUR minimum, and crypto withdrawals pay the usual network fees. Deposits by card can reach 3.49%; wire transfers are free or subject to bank fees but are SEPA-oriented.
For a Canadian, the SEPA orientation adds friction and cost to funding in CAD, on top of headline fees that are already higher than a locally registered exchange. The pricing is honest, but it is not where Coinhouse competes best.
Instruments & markets covered
Instruments & markets covered
Coinhouse lists around 50 crypto-assets, including Bitcoin, Ethereum, Solana, Cardano, Polkadot and Litecoin, plus major stablecoins USDT, USDC and DAI. Simple staking is available with daily payouts. There is no lending product and no crypto card.
The selection is narrower than the largest international exchanges but covers the mainstream comfortably. It is a spot platform with a light staking layer rather than a venue for exotic altcoins or derivatives.
See staking and lending yields
| Crypto | Staking (APY) | Lending (APY) | Terms |
|---|---|---|---|
| Simple staking (selected assets) | Daily payouts | — | Rates vary by asset; see Coinhouse for current figures |
What Coinhouse offers
Capabilities, in plain terms
Covered, partial or not covered. No spin.
- Spot crypto (custodial) ✓ Yes Around 50 crypto-assets
- Staking ✓ Yes Simple staking with daily payouts
- Lending, crypto card ✗ No
- Canadian registration (CIRO / CSA) ✗ No Served cross-border from France under AMF PSAN registration
- CAD-friendly funding ✗ No Wire transfers are SEPA-oriented
- CIPF (FCPE) coverage ✗ No
Who this broker is for
Who this broker is for
-
European crypto beginner
PSAN regulation, a clean interface and cold-storage custody make Coinhouse a solid regulated on-ramp in the euro area.
-
Canadian starting out
Less suitable: no Canadian registration, SEPA-oriented funding and high card fees make a locally registered exchange the better first step.
-
Fee-sensitive trader
Poorly served: card purchase fees up to 3.49% are well above the market, especially versus low-fee Canadian exchanges.
Comparison
Coinhouse vs the alternatives
The right choice depends on your profile. Here is how Coinhouse stands against the brokers we feature.
① The HelloBrokers ranking
overall score /5 · click to read the review
The verdict
The verdict
Coinhouse is a well-run, PSAN-regulated European platform with strong security and a clean experience, and for a European user it is easy to recommend as a regulated on-ramp. Our reservations are specifically about the Canadian context.
As a reference review we carry no Canadian affiliate link. The high card fees, the SEPA-oriented funding and, above all, the absence of Canadian registration mean a Canadian is usually better served by a CIRO-registered exchange such as our partner Bitbuy, or by Wealthsimple for crypto alongside stocks and ETFs. Our score reflects a genuinely good European platform viewed through a Canadian lens.
Our recommended alternatives
Our recommended alternatives
For most retail investors, these partner brokers are a better fit.
-
A CIRO-registered Canadian exchange with lower fees, 60+ assets and CIPF-style protection, built for Canadian funding in CAD.
See Bitbuy → -
A regulated Canadian platform combining crypto with stocks and ETFs, with straightforward CAD funding.
See Wealthsimple →
Frequently asked questions
FAQ Coinhouse
Is Coinhouse reliable?
Coinhouse is registered as a PSAN with the AMF in France, with cold-storage custody and insurance on funds. It is not registered with CIRO or the CSA in Canada, so it serves Canadian users cross-border and holdings are not CIPF (FCPE) covered.
Why choose Coinhouse?
For a European, PSAN-regulated platform with strong security, a clean interface and simple staking. In Canada its appeal is limited by high fees and the lack of local registration.
What are the fees at Coinhouse?
Card purchases cost 2% to 3.49%, sales 2%, and conversions 0.5% to 2%. Fiat withdrawals cost 2% with a 5 EUR minimum, and crypto withdrawals pay network fees. These fees run above the market.
Who is Coinhouse for?
European beginners who want a regulated on-ramp with strong security. Canadian users are usually better served by a locally registered exchange.
Is it easy to withdraw from Coinhouse?
Yes, though fiat withdrawals cost 2% with a 5 EUR minimum and wire transfers are SEPA-oriented, which adds friction for Canadian users funding in CAD.
Sources
- AMF PSAN registration — Autorite des marches financiers, France, Coinhouse PSAN
- Coinhouse fee schedule — coinhouse.com, purchase, sale, conversion and withdrawal terms, consulted 2026
The author of this review
Who wrote this analysis?