Price quoted in USDT and converted to EUR at the market rate.
No MiCA licence. Lists many new, often volatile cryptos very early. The price shown here is an estimate, as the platform only publishes a last traded price.
Price quoted in USDT and converted to EUR at the market rate.
No MiCA licence, no euro deposits, and the platform is closed to residents of France, the United Kingdom and the United States. Trading happens against USDT.
No MiCA licence, and the platform is closed to French residents. Elsewhere in the European Union, no European regulator can be approached in the event of a dispute.
European residents are served by Bybit EU, the entity licensed under MiCA in Austria. Some products of the global platform, including certain derivatives, are not offered there.
Price quoted in USDT and converted to EUR at the market rate.
Most trading happens against USDT, so a purchase in euros goes through a conversion. European residents are served by Gate's MiCA-licensed European entity.
Price quoted in USDT and converted to EUR at the market rate.
Without a MiCA licence as of 1 July 2026, Binance no longer accepts new customers living in France and has suspended buying, selling, deposits and staking for French accounts. Outside France, check that it is authorised in your country before opening an account.
European residents are served by OKX's European entity, which holds a MiCA licence. The platform regularly publishes a proof of reserves that each customer can check.
Plateforme d'épargne et de prêt adossés à des cryptos, avec agrément MiCA depuis juillet 2026. Prêter vos actifs comporte un risque de contrepartie que le rendement affiché ne montre pas.
Backed by the Stuttgart Stock Exchange. No advertised commission: the platform earns the price spread, around 1.25%. Reserved for residents of Germany and Austria.
Price quoted in USD and converted to EUR at the market rate.
No advertised commission: the platform earns the price spread, about 1.9% on bitcoin when we measured it. Robinhood has also owned Bitstamp since 2025.
The fee depends on your account tier, which is tied to how many of the platform's tokens you lock: from 1% with no commitment to about 0.25% at the top tier. The price shown here is for the entry tier.
A neobank where crypto is just one feature among many. The fee depends on your plan — 1.49% on the free plan. Withdrawing to your own wallet is not possible for every crypto.
A French broker whose fee schedule varies with the amount: the real cost depends on how much you invest. The price shown is estimated from the published fee schedule.
The first provider registered in France, with human support that explains the pricing. Its fees are among the highest we compare. The price shown is estimated from the published fee schedule.
A Danish gateway built into several hardware wallets. The price shown is estimated from the published fee schedule.
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The reality of selling Gram (prev. Toncoin)
You just clicked the button to sell your Gram (prev. Toncoin). The transaction confirms instantly on the screen. Everything seems simple. Yet, the final amount hitting your bank account rarely matches the initial quote. Why does this gap exist? Converting GRAM into traditional currency involves more than a simple exchange. It is a multi-step process where technical and financial layers interact. Understanding these layers helps you manage expectations and avoid common frustrations.
Hidden layers between market price and your bank
Why does the final amount often disappoint? Most users focus solely on the exchange rate. However, platforms apply multiple layers of costs. Trading fees represent only the first step. These are usually deducted at the moment of execution.
The “spread” creates another gap. This is the difference between the buying and selling price on the order book. Does it affect you? Absolutely. It reduces your net proceeds before the money even leaves the exchange. If the market lacks liquidity, this gap can widen significantly during your trade.
Cost type
Impact timing
Trading fee
During execution
Spread
Market entry/exit
Withdrawal fee
Transfer initiation
Bank reception fee
Final deposit
💡 Tip: Check the withdrawal fee structure before initiating a large transfer to avoid surprises.
Beyond the platform, your own bank might charge a fee for incoming transfers. This is especially true for international wires or specific currency conversions. Result: a lower balance than expected.
Navigating the timeline of a withdrawal
How long must you wait? Selling GRAM happens in seconds. Sending those funds to a traditional bank takes much longer. Platforms must first verify the request. This internal review can take hours or even days depending on the security protocols.
⚠️ Note: High-volume market periods often extend processing times for all outgoing transfers.
Once the platform releases the funds, the banking network takes over. SEPA transfers usually arrive within one to three business days. International wire transfers can take longer. Have you checked your bank’s policy on crypto-related deposits? Some institutions flag these transactions for manual review. This adds further delays to the process.
Tax obligations and common transaction errors
Selling Gram (prev. Toncoin) for legal tender is often a taxable event. Most jurisdictions view the conversion into fiat as the moment a capital gain is realized. This applies even if you do not spend the money immediately. Tax laws vary significantly by country. Always consult a qualified tax professional or your local tax authority to understand your specific obligations.
🚫 Pitfall: Assuming the sale is tax-free because the money stays on the exchange balance.
What about the withdrawal itself? A single digit error in an IBAN can lead to lost funds. Ensure the name on your exchange account matches your bank account name perfectly. Mismatched names often trigger automatic reversals. Will the bank accept the transfer? Some banks reject funds from specific exchanges without warning. Verify this compatibility before you initiate the sell order.
Exiting your position in GRAM requires patience and precision. Understanding the mechanics of fees and bank delays prevents most frustrations. Your next move depends on your local regulations and your bank’s readiness. Are you prepared for the final settlement?
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