Top crypto exchanges for 2025: A guide for UK investors

People aren’t great with forecasts at the best of times, and crypto stocks are no exception. The contents of this page are intended for general informational purposes and do not constitute financial, investment, or any other form of advice. Investing in or trading crypto assets carries the risk of financial loss.

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You should not invest any money you cannot afford to lose, and you should not rely on any dividend income to meet your living expenses. Stocks listed on overseas exchanges may be subject to additional dealing and exchange rate charges, administrative costs, withholding taxes and different accounting and reporting standards. They may have other tax implications, and may not provide the same, or any, regulatory protection.

Top crypto exchanges for UK investors in 2025

Be sure to evaluate the total cost of each trade, including deposit and withdrawal fees. Its robust security features and insurance coverage make it an attractive choice for UK investors who prioritize safety. This product is based overseas and is not subject to UK sustainable investment labelling and disclosure requirements. Please remember loyalty bonuses received on funds held in the HL ISA or HL SIPP are exempt from tax. HMRC believes that from April 2013 rebates of annual charges (such as loyalty bonuses) paid on funds held in nominee accounts, such as our Fund & Share Account, should be subject to income tax.

What are cryptocurrency and blockchain?

You will need anonline investing platform or trading app to purchase shares in publicly-listed companies. Please note that the usual warnings about investments apply and that there is no guarantee that stock market investments will make money. The FCA says those buying cryptocurrency are “very unlikely to have any protection if things go wrong, so people should be prepared to lose all their money if they choose to invest in them”. However, where we are more positive, is on blockchain technology, as it has several promising applications such as forex trading. We also expect that ‘official’ digital currencies will materialize over the coming years; the European Central Bank, the Federal Reserve and the People’s Bank of China, among others, are looking into this. But these are so-called ‘stablecoins’, which are backed by hard assets and therefore a world away from bitcoin.

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Our best-value quarter Sovereign bullion coins feature portraits and designs ranging from Queen Elizabeth II to King Charles III. The Morningstar Medalist Ratings are not statements of fact, nor are they credit or risk ratings. A change in the fundamental factors underlying the Morningstar Medalist Rating can mean that the rating is subsequently no longer accurate. This article is for informational purposes only and should not be considered financial advice.

The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of investment advice. Bitcoin and other cryptocurrencies are highly speculative and volatile assets, which carry several risks, including the total loss of any monies invested. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions. Investments in a currency other than sterling are exposed to currency exchange risk. Currency exchange rates are constantly changing, which may affect the value of the investment in sterling terms.

Exchange

Cryptocurrencies have attracted great interest in recent years as investors look to attract meaningful returns that beat inflation. As a result, digital currencies like Ethereum (ETH) and Bitcoin (BTC) are now oft-seen holdings in many portfolios – for both experienced traders and retail investors. However, to buy crypto assets, you need to start trading through an online brokerage or crypto exchange which we discuss here.

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Those involved in crypto argue that they will democratise currency by getting around the reliance on banks. There are technically no age restrictions for trading or mining in cryptocurrencies – although established sites such as Coinbase and Paypal require users to be at least 18. Revix guides new clients through the sign-up process, to their first deposit and first investment.

While other Layer 1s have faded, Bitcoin remains the cornerstone of cryptocurrency, and Bitcoin Pepe will cement itself as the key Layer 2 solution for meme-driven DeFi. Institutional investors are starting to peek over the fence, sniffing out the potential for long-term gains. 2025 promises to be a thrilling ride for digital assets, fueled by a potent cocktail of regulatory clarity and institutional interest. Get the latest financial news, insights and expert analysis from our award-winning MoneyWeek team, to help you understand what really matters when it comes to your finances. A less restrictive regulatory environment could give the asset class a boost.

In 2025, it will be critical for anyone who wants their investments to be less risky should look into diversification. A mixed portfolio can consist of a greater percentage of equities for consistent returns, distributed with less cryptocurrencies for higher possible profits. Such a balanced portfolio enables for distribution of risks and allows for involvement with established and new markets too. To make the most of both asset classes, it’s essential to create a strategy that suits your investment goals and risk appetite. A combination of stocks and crypto could offer a balance of stability and growth potential. The cryptocurrency market is home to many exchanges, but some stand out due to their features, reputation, and services tailored to UK investors.

Advanced trading features

Most aren’t designed as currencies, and they don’t require excessive computing power to digitally mint new coins. Non-bitcoin crypto assets are often referred to as “altcoins” – alternatives to bitcoin. It’s estimated that some 3.3 million people in the UK own some form of digital asset which has value.

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Cryptocurrency value can decrease over time for various reasons, meaning that we can’t protect against coin risk. However, AQRU only offers access to the highest liquidity crypto markets, reducing the risk of this affecting our clients. Our approach ensures that you can trust us to provide you with a smooth and reliable investment experience. Investing in cryptocurrency can be a profitable venture, but it comes with significant risks. By following these tips, you can invest in cryptocurrencies wisely and reduce your risks. Remember to do your research, choose a reliable exchange, diversify your portfolio, keep a long-term perspective, understand the risks involved, and keep your investments secure.

On the whole, there is a correlation between risk and return – investors who are willing to take on a higher level of risk are potentially rewarded with a higher level of return. Long-term goals might be to start investing in a personal pension to supplement your state pension. Short-term goals might include buying a car or putting money aside for a deposit for a house in the next two or three years.

Security

It can be a good idea to seek qualified advice from an accountant or another financial professional. You may need to use specialist software to take and process crypto payments. Cryptocurrency ownership and transactions are recorded and tracked using distributed ledger technology (DLT). Remember, there’s no guarantee you can exchange it for real cash, and its value can change drastically in a short time. It means the currency can be used to transfer wealth outside of the traditional banking system, making it easier to cross borders or stay anonymous when moving wealth.

One example of this is the company Theodex, which reportedly scammed investors out of $2 billion. The Payment Bundle provides exposure to the largest five payment-focused cryptocurrencies looking to compete with government-issued fiat currencies to make digital payments cheaper, faster, and more global. These cryptos include Bitcoin (BTC), Ripple (XRP), Litecoin (LTC), Bitcoin Cash (BCH), and Stellar (XLM).

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Back in 2021 ESG was hugely popular with two thirds of investors saying that it was important to their investment choice. This has now fallen to less than 50% according to research by the Association of Investment Companies (AIC). Firstly, there has been a lot of adverse publicity about greenwashing and just how genuine their ESG credentials really are. ESG funds have generally been performing badly over the last 3-4 years. This is too big a risk to take with cryptocurrencies still regularly collapsing all over the world.

As someone who has been investing in property for over 30 years, I often get asked whether a crash is coming in the UK housing market. You might have seen headlines earlier this year reporting a 0.5% drop in property prices in March 2025, according to Halifax. If you’ve ever felt stuck in your property journey — either unsure how to start or overconfident that you’ve got it all figured out — you’re not alone. Over the years, I’ve seen two key mistakes that can cost investors dearly. Property Expert, Simon Zutshi, elaborates on which investment he thinks is better.

AQRU may not offer certain products, features and/or services on the AQRU App in certain jurisdictions due to regulatory restrictions. Purchase the crypto products that suit your portfolio, earn interest of up to 10%, paid daily and tracked to the second, or exchange and hold the coins of your choice. We design our AQRU Invest products with the kind of features that sophisticated investors are used to seeing in traditional finance, but that can be hard to find in the world of crypto. Crypto Invest offers a fully done-for-you solution that takes care of operations and compliance requirements on your behalf. Saving you time, money and effort – and leaving you with compliance peace of mind.

From major businesses such as Apple or Microsoft to upstart companies in biotechnology or alternative energy, there are many opportunities available for investment on the stock market. In 2025, a number of factors are expected to affect how well stocks perform – technology developments among others besides cleaner energy transition. In the UK, you cannot invest in cryptocurrency funds through stocks and shares ISAs, general investment accounts, or pensions due to regulations. To summarise, cryptoassets or cryptocurrencies exist purely electronically and effectively act as a means of storing value.

• However, it is essential to keep a long-term perspective when investing in cryptocurrencies.
• The regulator said cryptoassets are increasingly being considered by consumers as part of a wider investment portfolio.
• It has also often resulted in a strong performance of the yellow metal both during times of economic hardship, and during times of economic growth.
• It is recommended that you seek independent legal, financial, or tax advice to ensure the information is appropriate for your individual circumstances.
• You can usually buy ‘income’ or ‘accumulation’ units if you’re buying a fund-based investment.
• For UK investors, incorporating a crypto portfolio into a ltd company structure can offer certain advantages.
• What you own is a key that allows you to move a record or a unit of measure from one holder to another.

Legal, Privacy & Terms

We’ve been reviewing financial products and services and writing about U.K. Blain Reinkensmeyer, Elizabeth Anderson and Steven Hatzakis have each placed thousands of trades, including shares, options, futures, cryptos, and forex. It is also important to research and compare different crypto trading apps before deciding which one to use. Consider factors such as user interface, fees, available cryptocurrencies, and customer support. It is also important to check the app’s security measures to ensure your https://immediate-one.info personal information and assets are protected. Getting started with crypto trading apps is a straightforward process.

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Featuring Philip Nathan’s seminal design, our Britannia bullion coin depicts the female personification of the UK standing firm in the eye of a storm. Chosen to feature on The Royal Mint’s very first Britannia bullion coin in 1987, Nathan’s design has been acclaimed a modern masterpiece. TRUMP Coin has gained notoriety for its volatility and speculative nature. While it lacks the utility of other cryptos, its ability to attract attention makes it a tempting option for risk-tolerant investors. Ethereum is more than a cryptocurrency; it powers the decentralised finance (DeFi) and non-fungible token (NFT) ecosystems. Its transition to Ethereum 2.0 has enhanced scalability and reduced energy consumption.

Before incorporating, you should assess whether a corporate structure truly benefits your portfolio in terms of scalability, tax savings, and risk management, considering the volatility of the crypto market. Legitimacy is still a big issue for many investors, as well as the lack of evidence of the long-term viability of cryptocurrency as its core function. Certain altcoins with a compliance-first attitude like remittance-focused Telcoin could be a sign of things to come. Rather than fight regulation, the future of the sector might be determined by which use cases of the blockchain technology will work with regulators and get them onside. Remember that when you invest in companies investing in crypto, you’re really investing in the success of digital currencies.

From July to December, he grew his $25k account up to $1m and his community made high 7 figures through copying him.On top of this all, he’s become a crypto keynote speaker. He only speaks to audiences 500+ and has spoken at big crypto events in the US, Europe and South Africa. Yes, cryptocurrencies are categorised as alternative investments due to their decentralised nature and high-growth potential, similar to commodities and private equity. Futures markets are more complex than just buying Bitcoin and interested investors must take time to understand how it works before putting money on the line. The lure of Bitcoin derivatives is that investors do not hold the underlying assets and can sometimes even use leverage or borrow money from the exchange to increase their profit potential. There is no denying that Bitcoin has the potential to make people wealthy in the long term.

Key features to look for in a crypto exchange

• Solana has recently hit new milestones in transaction throughput, with TPS rates peaking beyond 65,000, making it one of the most scalable public blockchains.
• While it lacks the utility of other cryptos, its ability to attract attention makes it a tempting option for risk-tolerant investors.
• Generally speaking, when cryptoasset exchange tokens are sold, exchanged or given away then there could be a requirement to pay Capital Gains Tax if the gains take you over your tax-free allowance of £3,000.
• However, these available tokens are also higher risk as they are not vetted like those on centralised exchanges, so instances of scams are more likely.
• Our expert team of crypto assets lawyers have specific expertise in advising and assisting clients who are faced with any issues relating to digital assets.
• Longer term, Trump has said he will nominate crypto-friendly Paul Atkins to fill the role.

However, one of the crucial advantages of Binance is not just its breadth but also its speed. The exchange allows for instant payments that can rival more traditional forms of money payments that may take several hours, if not days, to settle. Of course, there is no such thing as a free lunch, but minimising your trading costs can be a big help – particularly when starting out with smaller trades.

The latest cryptocurrency prices and market caps can be seen on our live rates page,  which shows how different cryptocurrencies are performing in real-time. The disruptive potential of cryptocurrencies has made them a popular form of investment, but no one knows if they will fulfil that potential. That uncertainty and irrational trader behaviour can create price volatility, which makes many cryptocurrencies less suitable as money for everyday usage. While bitcoin accounts for about three-quarters of the total crypto market cap, it only accounts for 10% of the Top 10 Bundle weighting. While it’s true that bitcoin has been the star crypto performer in recent months, it’s actually underperformed the broader crypto market over nearly all longer-term time horizons.

It’s also important to know your donor, which can be tricky in the context of cryptoassets, as the blockchain relies on – indeed in some ways is designed to guarantee – anonymity and secrecy. Scammers on the other hand, may make such promises and ask for an upfront fee because they know they cannot deliver. Therefore, it’s crucial to be cautious and do your research before trusting any recovery service with your assets.

What Key Factors Do I Need to Consider when Buying Cryptocurrency?

• It can be a good idea to seek qualified advice from an accountant or another financial professional.
• There is also the unregulated nature of crypto itself which is used to finance crime and illegal activity on a wide scale.
• Most regular UK investment platforms or brokers don’t offer cryptocurrencies.
• Keep them in mind whether you are interested in basic or advanced trading.
• These are platforms where you can buy, sell or exchange cryptocurrencies.
• Last quarter, it posted a net loss of $340.2m, or $1.72 per share on a diluted basis.

Compared to markets like shares or forex, crypto is still in its infancy. In a developing market with lots of short-term speculative trading and prices particularly susceptible to news and events, the risk of being caught out by a big price move is very real. Steven Hatzakis is a well-known finance writer with 25+ years of experience in the foreign exchange and financial markets. He is the Global Director of Online Broker Research for Reink Media Group, leading research efforts for ForexBrokers.com since 2016. He has served as a registered commodity futures representative for domestic and internationally-regulated brokerages. Steven holds a Series III license in the US as a Commodity Trading Advisor (CTA).

Gemini is a highly secure exchange with a strong emphasis on regulatory compliance. It offers a range of cryptocurrencies for trading and supports GBP transactions. EToro also allows UK investors to trade both cryptocurrencies and traditional assets like stocks. To achieve long-term capital growth by primarily investing in digital assets companies (see also “Blockchain Innovation Companies” defined below).