Robinhood Europe Sets 0.95% Crypto Trading Fee Under MiCA License

Robinhood Europe's fee schedule dated Sept. 15, 2026 sets a standard charge of 0.95% on the euro value of most executed crypto trades, with a €0.01 minimum per transaction. The schedule, published by the Lithuanian-licensed entity, gives European retail customers a listed cost for buying and selling digital assets. Rates may vary by customer or transaction, a caveat that softens the headline number.

The arithmetic is straightforward. A €1,000 purchase would incur a €9.50 fee. A separate €1,000 sale would add another €9.50, bringing the two-trade total to €19 before any change in the asset's market price. In plain terms, a customer who buys and later sells €1,000 of bitcoin pays nearly €20 in fees before trading costs are even considered — roughly the price of a monthly streaming subscription.

What is exempt, and what costs extra?

EURC, a euro stablecoin, is exempt from the buy-and-sell charge. The schedule does not explain the rationale for the exemption; stablecoin trades typically carry minimal inventory risk for brokers, which may account for the carve-out, though Robinhood Europe does not say so. Robinhood's listed company charge for crypto transfers is €0, but each transfer still incurs a network fee that varies with network activity.

Staking commissions are specified precisely:

• 15% on Ether (ETH) staking rewards
• 15% on Solana (SOL) staking rewards
• 25% on Cardano (ADA) staking rewards

The Cardano rate stands one-third higher than the Ether and Solana rates. The schedule does not state why the differentiated commission applies, and customers comparing staking products across venues will need to weigh that spread against gross reward rates.

What does the Lithuanian license cover?

The Bank of Lithuania, the country's central bank, granted Robinhood Europe, UAB a crypto-asset service provider license effective May 29, 2025. The license covers custody and administration of crypto assets, order execution, transfers on behalf of clients, and receiving and transmitting orders. It authorizes those specified services in Lithuania and, through EU passporting, in 29 other EU member states.

That footprint matters commercially. A single national license, issued by a Baltic regulator, unlocks service provision across nearly the entire bloc — a structure the EU deliberately built to consolidate crypto market access.

How does MiCA frame the disclosure?

The European Union's Markets in Crypto-Assets Regulation (MiCA) has applied since Dec. 30, 2024. The regulation's effective date preceded the license's May 2025 start date, meaning Robinhood Europe entered the market under a fully operative regime rather than during a transitional window. The Sept. 15, 2026 fee schedule therefore sits inside a matured regulatory perimeter, where fee transparency and license scope are compliance obligations rather than voluntary disclosures.

The promise of a single listed rate carries qualifications worth restating: rates may vary by customer or transaction, and network fees apply on top of the €0 company transfer charge. Whether competitors undercut the 0.95% figure across the EU in the coming quarters will test how price-sensitive European crypto customers actually are.