Organized by: Bitvavo B.V., Keizersgracht 281, 1016 ED Amsterdam, The Netherlands. Bitvavo B.V. is licensed by the Dutch Authority for the Financial Markets (Autoriteit Financiële Markten, AFM) as a crypto-asset service provider under Regulation (EU) 2023/1114 (MiCA).
This document is drawn up in English as well as in other languages. In case of any discrepancy between different language versions, the English language version prevails.
1. General
These Terms and Conditions (the “Terms”) apply to the “Bitvavo Crypto Deposit Bonus Promotion” (the “Promotion”), a temporary promotion organised by Bitvavo B.V. (“Bitvavo”) without charging any fee for participating in this Promotion. The Terms apply in addition to our User Agreement.
By participating, you agree to be bound by these Terms and the User Agreement, and your participation constitutes your express acceptance of them. Participants must meet the requirements set out in paragraph 3. Bitvavo reserves the right to disqualify any participant who does not comply with these Terms. All decisions made by Bitvavo regarding eligibility or participation are final.
Questions or complaints relating to this Promotion can be submitted to [email protected].
Risk Warning: digital assets are highly volatile and investing in them is risky; you may lose part or all of your investment. See also our Risk Disclosure. Staking and lending are not regulated under MiCA and the protections afforded to users of regulated services may not apply to you.
2. Promotion Period
The Promotion runs from 25 June 2026 at 00:00 (CEST) to 30 September 2026 at 23:59 (CEST) (the "Promotion Period").
3. Eligibility Requirements
This Promotion is open to individuals who:
- Are legal residents of one of the following countries (the EEA plus Switzerland): Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, or Switzerland;
- Are 18 years or older at the time of signing up for the Promotion
- Have a verified Bitvavo account (identity and bank verification needs to be completed);
- Opt-in via the Campaign Hub in the Bitvavo app by clicking “Join now”; and
- Have enabled auto-earn (both staking and lending) via the Earn hub in the Bitvavo app, and keep it enabled during the Promotion Period, which is a condition of the Promotion.
Both new and existing Bitvavo users may participate, on their net new crypto asset deposits made during the Promotion Period.
Ineligible participants
The following are not eligible:
- institutional clients and those providing market-making or similar services;
- Bitvavo employees, affiliates, and their immediate family members;
- any participant who has violated Bitvavo's User Agreement or attempted to manipulate the Promotion; and
- any participant who, based on Bitvavo's anti-money-laundering or financial-crime risk assessment, is considered to present an unacceptable risk.
4. How the bonus works
The bonus is made up of two parts, a deposit bonus and a trading bonus, together up to 10% APY*, depending on how much you trade, and capped at €10,000 per user.
How to take part
- Opt in to the Promotion by clicking "Join now" in the Campaign Hub in the Bitvavo app;
- Enable auto-earn (both staking and lending) via the Earn hub in the Bitvavo app;
- Deposit crypto from an external source, and you start earning the deposit bonus; and
- Trade your new funds, and you earn more, up to the rates in the table below.
When you earn
Your bonus accrues pro-rata for each day your eligible net new deposit is on the platform with auto-earn enabled, during the Promotion Period. Accrual for a deposit starts once Bitvavo has accepted it (additional checks may apply) and runs until the end of the Promotion Period, so the earlier you deposit, the more you earn. Only days on which auto-earn is enabled count as accrual days; any day that auto-earn is switched off does not accrue a bonus.
Your rate and your days are set separately. Your rate is the tier in section 4.3, based on your total eligible turnover over the whole Promotion Period, measured at the end of the period (30 September 2026). The rate you reach applies across your whole accrual period, back to your deposit date, not only from the day you reach that turnover. Reaching a higher tier later therefore raises the rate over the whole period; it never lowers what you have already accrued.
4.1 Deposit bonus
- You receive a deposit bonus of 4% APY* on your net new deposits, provided auto-earn is enabled;
- "Net new deposits" means the euro value of crypto deposited to your Bitvavo account from an external source during the Promotion Period, minus the euro value of any withdrawals during the Promotion Period, measured over the whole Promotion Period regardless of when you opt in, whether withdrawn as crypto or as fiat;
- Only crypto deposits count. Fiat and stablecoin deposits (such as USDC or EURC) do not count; and
- Eligible sources: all external crypto deposits, excluding stablecoins.
4.2 Trading bonus
- You can earn an additional trading bonus on top of the deposit bonus, up to 6% APY* (the 10% total is reached at 20× turnover or more);
- Your trading bonus is determined by your net new deposits and your turnover, using the table in section 4.3;
- Turnover is the total euro value of your eligible filled buy and sell orders on your net new deposits. Each time you trade a volume equal to your net new deposits counts as 1× turnover (e.g. with €1,000 deposited, 10× turnover = €10,000 of eligible trades);
- Only eligible turnover counts towards the bonus table and the caps in section 4.3. Ineligible volume is ignored, so it does not raise your tier or your cap; and
- All eligible trades you place after your first deposit count toward your turnover
Eligible — counts towards turnover | Ineligible — does not count |
Genuine filled buy and sell orders on eligible crypto / EUR markets | Stablecoin pairs (e.g. USDC/EUR, EURC/EUR) |
Trades on your net new deposits | |
4.3 Bonus table
Your total bonus (deposit bonus plus trading bonus) is the same for everyone and depends only on your turnover:
Turnover | Total bonus (APY*) |
No trading | 4% |
5x | 5% |
10x | 6% |
20x or more | 10% |
- Turnover is your total eligible turnover relative to your net new deposits (see 4.2). If your turnover falls between two rows, the lower row applies;
- Your tier is based on your total eligible turnover over the whole Promotion Period (measured at the end, 30 September 2026), and that rate applies to your full accrual period (see When you earn in section 4). It does not matter at what point during the period you reach the tier;
- The same rate applies regardless of deposit size; the total bonus is capped at €10,000 per user (see 4.4); and
- Over the roughly 100-day Promotion Period, 10% APY* is about 2.7% of your net new deposits, and 4% APY* is about 1.1%.
4.4 Caps
- The total bonus is capped at 10% APY* and at €10,000 per user (a hard cap, regardless of deposit size). Whichever limit is reached first applies;
- The total rewards available under the Promotion are limited and subject to a maximum allocation determined by Bitvavo. If that allocation is reached at any time during the Promotion Period, Bitvavo reserves the right, in its sole discretion, to suspend, modify, or terminate the Promotion immediately and without prior notice; and
- Depositing or trading larger amounts? Reach out to [email protected] for a personal, one-to-one offer.
5. Reward and payout
- Your bonus is calculated per day on your net new deposits as they stand that day: the euro value you have deposited from an external source, minus the euro value of anything you have withdrawn (in crypto or as fiat), up to that day, and never less than zero. Your bonus for that day equals that amount × your rate (section 4.3) ÷ 365, and your total bonus is the sum across all days. Withdrawing lowers this amount from that day onward, so no bonus accrues on funds after they leave the platform;
- The bonus is calculated on a simple basis and does not compound: each day's amount is based on your net new deposits only, not on any bonus already accrued;
- The bonus is paid out in euros on 14 October 2026, before 17:00 (CEST);
- You must keep auto-earn (both staking and lending) enabled to earn the bonus. Any day that auto-earn is switched off does not count as an accrual day, so no bonus accrues for that day;
- Once the bonus is credited, an amount equivalent to the bonus must not be withdrawn (in crypto or any fiat currency) from your account for a minimum of 180 days. The funds can still be used (traded) on the platform during that period. Your deposit itself is not locked and can be withdrawn at any time; only an amount equal to your bonus is held for the 180 days;
- Participants will be notified of any credited bonus in the Bitvavo app and via email or push notification.
6. Abuse, modification and other
6.1 Prohibited conduct
Bitvavo monitors participation and may investigate deposit and trading activity. Cheating or abusive behaviour is prohibited and may lead to disqualification under section 6.2, including but not limited to: wash trading, self-trades, or other trades without genuine economic interest; market manipulation (such as matched orders, layering, or spoofing); artificially inflating turnover through round-trip or circular transactions; depositing and withdrawing the same funds, or moving funds between accounts you control, to create the appearance of net new deposits; using multiple or third-party accounts; and providing false KYC information or failing source-of-funds checks.
Only genuine eligible turnover on net new deposits counts; Bitvavo may exclude any volume linked to the above when calculating your bonus.
6.2 Consequences
If Bitvavo determines that a participant has engaged in prohibited conduct, Bitvavo may, at its sole discretion and without prior notice:
- disqualify the participant from the Promotion;
- reduce, withhold, or cancel any bonus (including after payout);
- require repayment of any bonus already paid (clawback);
- suspend or restrict the account; and/or
- take any other action permitted under Bitvavo's User Agreement.
Bitvavo's determination is final.
6.3 Other
- Bitvavo may require additional verification of the source of deposited funds or of trading activity at any time.
- Bitvavo reserves the right to modify, suspend, or withdraw the Promotion, and to amend these Terms, at any time and at its sole discretion.
- These Terms are governed by the laws of the Netherlands, in addition to Bitvavo's User Agreement and Risk Disclosure.
7. Liability, Data Protection, and Taxes
Bitvavo accepts no liability for technical failures or cancellations due to force majeure. Participant data is processed per the Privacy Policy. Participants are solely responsible for any taxes incurred in connection with the payments or rewards.
*APY = Annual Percentage Yield, the return on an annual basis. Because the bonus is paid over the roughly 100-day Promotion Period (25 June – 30 September), the actual percentage of your net new deposits is lower than the APY figure: 4% APY equals about 1.1%, and 10% APY equals about 2.7%.