Data as of Q4 2026
Buy bitcoin in the Netherlands
As of Q4 2026, the cheapest buy route on the Virtuse Fee Index at €100/month is 21bitcoin (Auto-Invest plan): 0% variable fee, €0 annual fee drag. In the Netherlands, Box 3 still applies to holdings after you buy, because tax is on a deemed return rather than on disposal gains. Virtuse never holds your keys.
Local currency: EUR. The table shows the partners’ EUR-denominated fees from the Stacking Strategist schedule as of Q4 2026.
Ranked buy routes at €100/month
| Rank | Partner | Method | Variable fee | Annual fee drag | Speed |
|---|---|---|---|---|---|
| 1 | 21bitcoin | Auto-Invest plan | 0% | €0 | Automated |
| 2 | ByBit EU | Spot trading | 0.25% | €3 | Same day |
| 3 | Kraken | Pro trading | 0.8% | €10 | Same day |
Annual fee drag uses the live Stacking Strategist formula: a percentage of each purchase plus any listed monthly subscription.
Tax in the Netherlands
Gain tax: Box 3 wealth tax on a deemed return (about 36% of the assumed yield). Exemption: Tax-free allowance (about €57,000 per person, 2025).
Read the dedicated guide: Bitcoin tax in the Netherlands.
FAQ
What is the cheapest way to buy bitcoin in the Netherlands as of Q4 2026?
On the Virtuse Fee Index, 21bitcoin (Auto-Invest plan) has the lowest annual fee drag at €100/month: a 0% variable fee and €0 a year. Rankings use the published partner fee schedule, not spreads or currency conversion.
Does buying bitcoin trigger tax in the Netherlands?
The Netherlands does not use a classic capital gains tax. Box 3 wealth tax on a deemed return still applies to holdings (as of Q4 2026: Box 3 wealth tax on a deemed return (about 36% of the assumed yield)).
Are these fees the full cost of buying?
No. The index ranks the percentage fee plus any listed monthly subscription from the Stacking Strategist fee schedule. Spreads and network (miner) fees are not included.
Does Virtuse execute the buy?
No. Virtuse never holds your keys. You complete KYC on the partner platform and buy there.