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Monflo

MONFLO B.V. · Netherlands
Key points
Official sourceUnclaimedMiCA-licensed · Netherlands
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇳🇱 Netherlands
Team size
11-49

Regulation

Regulatory licences
MiCA licence
Licensing authority
Netherlands Authority for the Financial Markets (AFM)
Registered services
not disclosed in the register
Register consulted
Consult the register → · verified on 23/08/2026

Monflo is a Dutch Web3 account combining a euro IBAN, an individual crypto wallet and exchanges via a decentralised aggregator. The aim is to bring everyday banking and digital assets together in a single web and mobile experience, with a dedicated vault for each user. A debit card gradually completes the offer, currently aimed mainly at the Dutch market.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: not disclosed

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Monflo suits some use cases more than others.

Minimum deposit: not disclosedMobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Withdrawal to a personal wallet possible.

Available in Netherlands.

03How much it costs

Deposit
SEPA transfer0 %

+ 0,9 % currency conversion

Trading
0,9 %
published spread
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Monflo: mandatory subscription of 7,99 €/month after a 30-day trial, then an explicit commission of 0,90 % per swap. Incoming/outgoing EUR transfers via the Web3 IBAN are announced at 0 % on Monflo's side; this 0 % applies to the bank transfer, not to buying crypto. Third-party network/DEX fees may be added depending on the transaction.

Fee source: https://monflo.com/fees · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Monflo provides an individual custodial wallet linked to the Web3 IBAN, with asset segregation via Stichting Monflo Custody. No omnibus account: the website states a dedicated vault per user. Fireblocks is used as security infrastructure. Monflo is MiCA-authorised for custody, order execution and transfers.

05What to know before you start

Dutch Web3 account combining EUR IBAN, individual custodial crypto wallet, swaps via a DEX aggregator and now the Monflo Debit Card documented via Gnosis Pay / Monavate (Visa). Dedicated vault for each client, segregation via Stichting Monflo Custody. Individual subscription 7,99 €/month after a 30-day trial + 0,9 % per swap. Retail currently confirmed in the Netherlands; opening in other EU countries and a business offer are not disclosed.

Compensation transparency: affiliate partnership with Monflo: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Monflo licensed under MiCA?

Yes. MONFLO B.V. is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Netherlands Authority for the Financial Markets (AFM), Netherlands. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on Monflo?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,9 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

Can you withdraw your crypto from Monflo to your own wallet?

Yes, Monflo lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on Monflo?

No, Monflo does not offer staking.

Can you schedule recurring purchases (DCA) on Monflo?

No, Monflo does not offer scheduled recurring purchases (DCA).