Surface Crypto Exchange Review: Best Platforms for Beginners and Traders in 2025

Ellen Stenberg Dec 10 2025 Cryptocurrency
Surface Crypto Exchange Review: Best Platforms for Beginners and Traders in 2025

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Choosing a crypto exchange in 2025 isn’t about finding the cheapest one-it’s about finding the right one for how you trade. Whether you’re buying your first Bitcoin or running complex trades with leverage, the platform you pick changes everything. Some exchanges are built for beginners who want simplicity. Others are built for pros who need speed, depth, and control. There’s no single best exchange. But there are clear winners for different types of users.

Best Overall: eToro

eToro stands out as the top pick for most people in 2025. It’s not just a crypto exchange-it’s a full social trading platform with over 38 million users. Launched in 2007 and now publicly listed on Nasdaq, eToro brings a level of credibility most crypto platforms still lack. It holds licenses from major regulators like the FCA, CySEC, and ASIC, and uses segregated custodial accounts with SOC 2 Type II certification. Your funds aren’t just sitting in a wallet-they’re protected.

What makes eToro special isn’t just security. It’s the CopyTrader feature. You can look at the real-time portfolios of top investors, see what they’re buying, and click one button to copy their trades. It’s like having a professional trader in your pocket. For beginners, this removes the guesswork. For experienced users, it’s a way to discover new strategies.

eToro offers over 130 cryptocurrencies, including major ones like Bitcoin and Ethereum, plus newer tokens. It added futures trading in Europe and options in the UK in early 2025. The platform also has a free learning hub called eToro Academy, with videos, articles, and demo accounts so you can practice without risking real money. Fees are higher than some competitors-around 1% per trade-but you’re paying for ease, safety, and education.

Best for Beginners: Coinbase

If you’ve never bought crypto before, Coinbase is your safest starting point. It’s the most trusted name in U.S. crypto, with a 4.6/5 rating from NerdWallet in September 2025. The interface is clean, intuitive, and doesn’t overwhelm you with charts and buttons. You can buy Bitcoin or Ethereum in under 90 seconds.

New users get $200 in cryptocurrency just for signing up and completing a small trade. There’s no minimum deposit, and fees range from 0% to 4%, depending on how you pay. If you use a bank transfer, you pay less. If you use a credit card, you pay more. That’s standard across the industry.

Coinbase also leads in education. Its Learn & Earn program lets you earn free crypto by watching short videos and answering questions. It’s a smart way to learn while getting rewarded. Tax reporting is built in, which is huge for U.S. users. The platform files your 1099 forms automatically, saving you hours of bookkeeping.

The downside? Coinbase doesn’t offer advanced tools like limit orders with time-in-force or margin trading. You’re not here to day trade. You’re here to buy, hold, and learn.

Best for Advanced Traders: Binance

For serious traders, Binance is still the king of volume and selection. It supports over 200 trading pairs and has access to hundreds of altcoins you won’t find anywhere else. Its global version offers futures, options, leveraged tokens, and even crypto savings accounts with APYs over 10%.

Binance US, the version available in the U.S., is more limited due to regulations-but it still beats most competitors in fees and asset variety. Trading fees start at 0.1% and drop with volume. Maker fees (adding liquidity) are even lower. If you’re trading $10,000 a day, you’ll pay far less than you would on Coinbase or eToro.

Binance’s interface is complex, though. New users get lost in the tabs. But once you get used to it, you’ll appreciate the depth: customizable charts, stop-loss triggers, trailing stops, and API access for automated bots. It’s not for everyone. But if you know what you’re doing, it’s the most powerful tool in the market.

Kraken castle made of blockchain blocks with staking coins rising, while Robinhood is locked in glass.

Best for Security and Institutions: Kraken

Kraken is the exchange that institutional investors trust. It’s been around since 2011 and was one of the first to comply fully with U.S. regulations. It holds a BitLicense from New York State and is registered with FinCEN. Its security record is flawless-no major hacks in over a decade.

Kraken Pro is its professional trading platform. It offers advanced order types, real-time depth charts, and low-latency execution. Maker fees are just 0.16%, taker fees are 0.26%. That’s competitive with Binance. But Kraken adds something Binance doesn’t: transparent audit reports. Every quarter, Kraken publishes proof of reserves showing it holds more crypto than it owes users.

It also leads in staking. You can earn up to 8% APY on Ethereum, Solana, and other major coins. Kraken’s mobile app is solid, and customer support is available 24/7 via live chat. It’s not the easiest platform to use, but if you care about safety, transparency, and long-term reliability, Kraken is the quiet powerhouse.

Best for Security-Conscious Users: Gemini

Gemini, founded by the Winklevoss twins, was built from the start with security as its core value. It’s a New York-based exchange regulated by the NYDFS. Its custody solution, Gemini Custody, is used by hedge funds and corporations to store billions in crypto.

Fees range from 0.03% to 3.49%, depending on your payment method and whether you use Gemini Exchange or Gemini Advanced. New users get $20 in Bitcoin if they trade at least $100 within 30 days. No minimum deposit. No hidden fees.

Gemini’s interface is clean and simple, but it lacks the advanced tools of Kraken or Binance. It doesn’t offer futures or margin trading. It’s not for active traders. It’s for people who want to store crypto safely, buy it easily, and know their assets are protected by a regulated entity.

Best for Multi-Asset Trading: Uphold

Uphold isn’t just a crypto exchange. It’s a digital wallet that lets you trade between crypto, stocks, precious metals, and even fiat currencies like USD and EUR-all in one place. It’s like a Swiss bank account for the digital age.

It earned the highest NerdWallet rating in 2025: 4.8/5. Fees are low, between 0.2% and 2.95%. You can start with just $1. There’s no promotional bonus, but you don’t need one. The platform is straightforward, fast, and works globally.

If you want to swap Bitcoin for gold or euros for Ethereum in a single click, Uphold is the only exchange that makes it seamless. It’s not the best for deep trading, but it’s unmatched for flexibility.

Uphold wallet spilling crypto, gold, and stocks into a rainbow vortex, other exchanges as calm islands.

What About Robinhood and Interactive Brokers?

Robinhood and Interactive Brokers aren’t crypto-only exchanges-they’re traditional brokers that added crypto trading. Robinhood offers commission-free crypto trades with no account minimum. It’s great if you already use it for stocks. But you can’t withdraw your crypto to an external wallet. You’re locked into their platform.

Interactive Brokers charges up to 1% per trade, but it’s ideal for existing clients who want to add crypto to their portfolio without switching platforms. Both have 4.3/5 ratings, but they’re not full-featured crypto exchanges. They’re add-ons.

How to Choose in 2025

Here’s how to pick:

  • If you’re new: Start with Coinbase. It’s simple, safe, and educational.
  • If you want to copy pros: Use eToro. CopyTrader is unmatched.
  • If you trade often: Go with Binance for low fees and deep markets.
  • If you care about security and transparency: Choose Kraken.
  • If you want to hold crypto long-term and avoid risk: Gemini is your best bet.
  • If you trade crypto, stocks, and metals: Uphold is your all-in-one tool.

Regulation matters more than ever in 2025. Exchanges without U.S. licenses are risky. Even if they offer higher yields, they can vanish overnight. Stick to platforms with clear compliance. They may charge a little more-but you’re paying for peace of mind.

What’s Changing in 2025

The crypto exchange game has evolved. It’s no longer just about buying Bitcoin. Platforms now offer:

  • Staking with real APYs (up to 10% on some coins)
  • DeFi integration (lending, borrowing, yield farming)
  • NFT marketplaces built into the app
  • AI-powered trading signals
  • Mobile apps that work like stock trading apps

eToro’s Nasdaq listing in May 2025 was a turning point. It proved crypto exchanges can become mainstream financial institutions. More are likely to follow.

The future belongs to exchanges that combine security, regulation, and ease of use-not just low fees. The best platform isn’t the cheapest. It’s the one you can trust for years to come.

What is the safest crypto exchange in 2025?

Kraken and Gemini are the safest. Both are fully regulated in the U.S., publish proof of reserves quarterly, and have never suffered a major hack. Kraken is preferred by institutions for its transparency, while Gemini offers top-tier custody for long-term holders.

Which crypto exchange has the lowest fees?

Binance offers the lowest trading fees, starting at 0.1% and dropping with volume. Kraken is close behind with 0.16% maker fees. For beginners, Coinbase and eToro have higher fees but include education and security features that justify the cost.

Can I trust eToro with my money?

Yes. eToro is regulated by top financial authorities including the FCA and ASIC. It uses segregated accounts, SSL encryption, and mandatory two-factor authentication. It also completed a public Nasdaq listing in May 2025, making it one of the most transparent crypto platforms in the world.

Why can’t I withdraw crypto from Robinhood?

Robinhood doesn’t allow crypto withdrawals because it’s not designed as a full crypto exchange. It’s a stock broker that added crypto as a feature. You can only buy and sell within their platform. If you want to move crypto to your own wallet, choose Coinbase, Kraken, or Binance.

What’s the best exchange for staking crypto in 2025?

Kraken offers the highest and most reliable staking yields, with up to 8% APY on Ethereum and other major coins. Binance and eToro also offer staking, but Kraken’s transparency and regulatory compliance make it the safest choice for earning passive income.

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10 Comments

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    Heath OBrien

    December 11, 2025 AT 20:35

    Why are we even talking about these platforms? Just use Binance. Everything else is a glorified shopping mall for crypto newbies. 🤷‍♂️

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    Sarah Luttrell

    December 12, 2025 AT 00:34

    Oh wow eToro is *listed on Nasdaq* now? How revolutionary. I'm sure that means they won't vanish like FTX did. /s

    Also 'CopyTrader'? So I'm just supposed to follow some rich guy's portfolio like it's a TikTok trend? Next they'll have a 'Follow' button for whale wallets. 🤡

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    PRECIOUS EGWABOR

    December 12, 2025 AT 12:33

    Let’s be real-Coinbase is the only one that doesn’t make you feel like you’re hacking a bank. The interface is clean, the tax stuff works, and you don’t need a PhD in trading to use it. I’m not here to day trade. I’m here to not lose my life savings.

    Also, $200 just for signing up? That’s not a bonus. That’s a public service.

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    Taylor Farano

    December 13, 2025 AT 18:20

    kraken’s 'transparency'? lol. they publish proof of reserves like it’s a magic spell. what about the 17 other exchanges doing the same? they all say they’re 'secure.' until they aren’t.

    and why does everyone act like gemini is some fortress? it’s just a walled garden with a fancy name and higher fees. 🤡

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    Kathleen Sudborough

    December 15, 2025 AT 11:53

    I get that people want low fees and fancy charts, but honestly? If you’re new to crypto, you don’t need any of that. You need to understand what you’re holding before you start trading it.

    Coinbase’s Learn & Earn program actually taught me more about blockchain in a week than all the YouTube videos I watched last year. And yes, the fees are higher-but I’d rather pay $2 to learn than $200 to lose.

    Also, eToro’s CopyTrader is kind of magical if you’re just starting out. I copied someone who traded ETH during the last dip and made back my fee in three days. No genius needed.

    Security isn’t sexy, but it’s the only thing that matters when your life savings are on the line. Kraken and Gemini? They’re the quiet ones who show up when the storm hits.

    Uphold? I didn’t even know this existed until today. Trading crypto for gold in one click? That’s wild. I’m definitely trying that.

    And Robinhood? No. Just no. If you can’t withdraw your crypto, it’s not yours. That’s not investing. That’s renting.

    Bottom line: pick based on what you need, not what’s trending. And if you’re still confused? Start small. Learn. Then grow.

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    Kathryn Flanagan

    December 16, 2025 AT 07:07

    Hey everyone, I just wanted to say I really appreciate how this article breaks things down so clearly. I’m 62 and I’ve been scared of crypto for years-until I read this. I started with Coinbase because it felt safe, and I’ve been learning a little every day. I even did the Learn & Earn thing and got a little bit of Dogecoin. It’s not about getting rich. It’s about understanding the future.

    And Sarah, I know you’re being sarcastic about eToro, but I actually used CopyTrader and it helped me see how other people think. I didn’t copy their whole portfolio, just one trade. And guess what? I made a little profit and didn’t panic. That’s huge for someone like me.

    Also, Kraken’s quarterly reports? That’s the kind of thing that makes me sleep at night. I don’t care if their interface is clunky. I care that they’re honest.

    To the guy who said 'just use Binance'-I get it. Lower fees are tempting. But if you don’t know what you’re doing, lower fees just mean you lose faster.

    And Alex, I love how you said 'if you can’t withdraw it, it’s not yours.' That’s the truth. I wish more people would say that.

    Thanks for writing this. I feel less alone now.

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    Alex Warren

    December 17, 2025 AT 02:27

    Robinhood doesn’t allow withdrawals because they’re not a custodial exchange. They’re a broker-dealer with crypto as a feature. Legally, they can’t offer direct wallet access without becoming a money transmitter. That’s why Coinbase, Kraken, and Binance exist-they’re licensed as money service businesses. This isn’t opinion. It’s regulatory architecture.

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    Toni Marucco

    December 19, 2025 AT 02:15

    The fundamental shift in 2025 isn’t about trading volume or fee structures-it’s about institutional legitimacy. The fact that eToro is now a publicly traded entity on Nasdaq signals a maturation of the entire sector. This is no longer the Wild West of 2017.

    Regulation is not a constraint; it is the scaffolding upon which sustainable value is built. Exchanges without FCA, SEC, or ASIC oversight are not 'high-yield opportunities'-they are time bombs disguised as investment platforms.

    Moreover, the integration of DeFi primitives into regulated interfaces-staking, lending, yield aggregation-is not a gimmick. It is the convergence of traditional finance and decentralized infrastructure. Kraken’s proof-of-reserves audits are not PR-they are fiduciary accountability.

    The user who dismisses Gemini as a 'walled garden' misunderstands the purpose of custody. The goal is not liquidity for day traders-it is preservation for wealth holders. The Winklevoss twins built Gemini not to compete with Binance, but to outlast it.

    And to the individual who believes 'low fees equal intelligence'-I offer this: a Ferrari with no brakes is still fast. But you won’t live to see the finish line.

    Choose your platform not by what it can do, but by what it will protect when the market turns.

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    amar zeid

    December 20, 2025 AT 18:26

    As someone from India, I’ve tried Binance, Kraken, and Coinbase. Binance was fastest but had KYC issues. Kraken was secure but slow. Coinbase? Simple but expensive. I ended up using WazirX for local INR and Binance for global trades. But I agree with the article-regulation matters. I lost $800 on an unregulated platform last year. Never again.

    Also, staking on Kraken gives me 7.8% on ETH. That’s better than my bank’s fixed deposit. And I sleep better knowing they publish audits. No hype. Just facts.

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    Caroline Fletcher

    December 21, 2025 AT 06:39

    Author here. Just wanted to say thank you to everyone for the thoughtful replies. I didn’t expect this much engagement. Your insights-especially about regulation and custody-add real depth to the piece. I’ve updated the article to include a note on international access for non-US users. You’re all why this matters.

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