What's the minimum amount I can buy?

There is no monthly fee and no large minimum on the standard buy flow — you can start small. Broker Desk orders start from €1,000 per trade, and block trades from €100,000 are handled by the OTC desk.

What fees does Penning charge?

A flat 2% trading fee with no hidden FX spread on DKK or EUR funding. No deposit fees, no monthly platform fees. Network fees on wallet delivery are passed through at cost.

Do I actually own the coins, or just an IOU?

You own the native asset. Penning settles directly on the underlying blockchain and delivers to a compatible wallet you control — Penning doesn't hold your crypto.

How fast can I buy after opening an account?

Account approval is typically same-day via MitID. Once your DKK or EUR deposit lands (0–2 bank days), you can place your first buy in minutes — settlement is real-time on the underlying chain.

What happens to my crypto if Penning shuts down?

Your crypto sits in your own wallet — Penning doesn't hold it. Assets already delivered to you are unaffected by anything that happens to Penning. Client EUR/DKK is held in segregated client accounts at a Danish bank and is not part of any insolvency estate — a MiCA requirement.

Can I sell back to DKK?

Yes. Sell into EUR or DKK and withdraw to the same Danish bank account you funded from. No FX spread, no card processor in the way.

Denmark based CASP4.8/5

Buy crypto in Denmark

Q: Is Penning regulated to sell crypto in Denmark?

Yes. Penning Financial Services ApS is the first Danish CASP (Crypto-Asset Service Provider) authorised under MiCA and supervised by the Danish FSA (Finanstilsynet). Penning holds no client crypto — assets are delivered directly to your own wallet.

Pick an asset to see live pricing, a step-by-step buying guide, and the exact funding rails that work from a Danish bank account. Every asset settles natively — no wrapped tokens, no offshore intermediaries — on a MiCA-licensed platform supervised by the Danish FSA.

Open free account See all 190+ tokens

Choose an asset

Start with the asset you actually want to hold

Every asset is delivered to a wallet you control — works with MetaMask, Phantom, Keplr, Ledger and any compatible wallet. Penning never holds your crypto.

How it works

From DKK in your bank to crypto in your wallet — in 4 steps

Open a Penning account

Verify with MitID

KYC handled in-platform with MitID or a passport. Typically under 5 minutes; same-day account approval.

Deposit DKK or EUR

Send DKK via a Danish bank transfer or EUR via SEPA. Funds available within 0–2 business days — no card fees, no FX spread.

Buy your first crypto

Go to the asset, see the live price, confirm the all-in amount, and execute. You receive the native token — delivered to your own wallet.

Funding

DKK in, crypto out — no hidden FX spread

Penning settles in EUR or DKK directly from your Danish bank account. No card processing fees, no marked-up exchange rate, no third-party payment processor skimming on the way out. Withdraw back to the same account when you sell.

DKK

Danish Krone

EUR

Euro via SEPA

Fees

Transparent pricing — what you see is what you pay

The exact fee is shown before you confirm every trade. No deposit fees, no monthly platform fees, and no marked-up exchange rate on DKK or EUR.

Flat trading fee — no hidden FX spread

€0

Deposit & monthly platform fees

At cost

Network fees on wallet delivery

€1,000+

Broker Desk per trade · OTC from €100k

Our ecosystem

Supported networks

Trade and invest across 30+ networks

Supervised by the Danish FSA, secured by MiCA

Penning Financial Services ApS is the first Danish CASP authorised under MiCA and supervised by the Danish FSA (reg. FTID 10902). Penning holds no client crypto — your assets are delivered directly to your own wallet — and your DKK + EUR are held in segregated client accounts with regulated Danish counterparties.

Read about the CASP license

Crypto-assets are volatile and your capital is at risk — you can lose the amount you invest. Buy only what you can afford to hold through market swings.

What clients are saying

Testimonials

See all on Trustpilot

Excellent support and an easy-to-use platform! The phone is always answered quickly, or they call back shortly after if you have any questions. Just a few hours from fiat in your traditional bank to crypto in your own wallet.

Ulrik Bruhn

October 21, 2025