Comparison of Pointpay vs Exmo [ 2024 ]

The crypto exchanges compared by their commissions, cryptos, security and much more. Here is the Pointpay vs Exmo comparison!

Your expert: Alejandro Borja

pointpay

Pointpay

  • Threenvest valuation: 3,7/5
  • US legal: No
  • Security: High 4,6/5
  • Mobile App: No
Go exchange

Investing risks losing your money

Your expert: Xavier Tarrasó

exmo

Exmo

  • Threenvest valuation: 3,5/5
  • US legal: No
  • Security: High 4,5/5
  • Mobile App: No
Go exchange

Investing risks losing your money

Main points

Fees

0.05%

Earns

Yes

Customer service

3/5
≤0,30%

Fees

Yes

Earns

3/5

Customer service


Recommended for

Beginners

Yes

Trading

Yes

Passive income

Yes

Buy and hold

Yes
No

Beginners

Yes

Trading

Yes

Passive income

Yes

Buy and hold


Comparison of fees

Rating

3.9 – Reasonable fees with additional benefits for crypto banking.
4.0 – Reasonable fees with strong local support in Europe.

Level

0.05%
≤0,30%

Brief explanation

PointPay’s commission structure is designed to be competitive and accessible for traders of all levels. The platform primarily operates on a flat fee model for trading, charging fees that are generally considered lower than the industry average. For instance, PointPay charges a trading fee of 0.05% for both makers and takers, which is appealing because it is below the typical rates found at many other exchanges. This low fee structure is particularly advantageous for active traders who perform frequent transactions, as it helps to keep trading costs down and maximize potential profits. Moreover, the absence of different fees for makers and takers simplifies the trading process, making it easier for beginners to understand and calculate their trading costs upfront without surprises.
Exmo employs a straightforward fee structure with competitive rates that cater to a wide range of traders. The exchange charges a flat trading fee starting at 0.3%, which can be reduced based on trading volume and by using Exmo’s native token, EXM, for fee discounts. The maker and taker fees are equal, simplifying the fee calculation process for users. In terms of deposits, Exmo does not charge any fees for deposits made through most payment methods. However, withdrawal fees are applied and vary depending on the cryptocurrency being withdrawn. For example, the withdrawal fee for Bitcoin is 0.0005 BTC, which is slightly below the global industry average . Overall, Exmo’s fee structure is transparent and competitive, offering lower fees for high-volume traders and those utilizing their native token for transactions. This makes it an appealing option for both casual and frequent traders looking to minimize their trading costs.

Pointpay

pointpay
Read pointpay review
  • Regulation Compliance: PointPay operates under the cryptocurrency laws of the UK and Estonia, providing a regulated environment which enhances user trust and security.
  • Security Features: The platform employs robust security measures, including two-factor authentication and encrypted communication, to protect user data and funds.
  • Reputation and Reviews: Since its launch, PointPay has maintained a positive reputation in the cryptocurrency community, supported by favorable user reviews that often highlight its reliability and user-friendly interface.
  • Customer Service: PointPay offers comprehensive customer support with multiple channels including live chat, ensuring users can get assistance whenever needed.
  • Innovative Financial Products: The integration of various financial services such as a crypto bank, a multi-currency wallet, and options for crypto-backed loans provides users with a versatile and comprehensive trading and banking experience.
  • Pros
  • Integrated crypto bank services
  • Low trading fees
  • User-friendly interface
  • Cons
  • Limited cryptocurrency options
  • Inflexible lending rates

Read pointpay review

Exmo

exmo
Read pointpay review
  • Year Founded: Exmo was established in 2013, giving it over a decade of experience in the cryptocurrency market. This long-standing presence indicates stability and reliability in the industry.
  • Volume Managed: Exmo handles a substantial daily trading volume, which ensures high liquidity and smooth transaction processing. This high volume also reflects the platform's popularity and trust among traders.
  • Number of Users: With a robust user base, Exmo supports millions of traders worldwide. This extensive user adoption is a testament to the platform's credibility and trustworthiness.
  • Reputation and Reviews: Exmo has garnered positive reviews for its reliability, user-friendly interface, and competitive fees. The platform's reputation is reinforced by its commitment to security and continuous improvements, making it a trusted choice for many in the crypto community.
  • Security Methods: Exmo employs advanced security measures, including two-factor authentication (2FA) and cold storage for cryptocurrencies. These protocols ensure that user funds and data are well-protected against potential threats.
  • Pros
  • Low trading fees.
  • Wide range of trading pairs.
  • Supports multiple fiat currencies.
  • Cons
  • Limited payment methods.
  • Restricted customer support channels.

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Product selection

Native token

No
No

Earns

Yes
Yes

NFT marketplace

No
No

Cripto/debit card

No
No

Company information

Full name

Point Pay Ltd.
EXMO EXCHANGE LTD.

Regulation

Not regulated
Registrado en el Reino Unido

Year founded

2018
2013

Founder

Andrey Svyatov
Ivan Petukhovsky and Pavel Lerner

Payment methods

Transfers

No
Yes

Mastercard

Yes
Yes

Wire transfer

No
Yes

Card

Yes
Yes

Comparative table

Pointpay FEATURES Exmo
PointPay allows users to start trading with relatively low minimums, making it accessible for beginners.
Minimum Trade
The minimum trade amount on Exmo is low, making it accessible for new traders.
PointPay offers competitive trading fees which are lower than many other platforms, making it cost-effective for traders.
Trading and Transaction Fees
Exmo has competitive trading fees, with a flat fee model starting at 0.3%, which can be reduced based on trading volume .
While PointPay supports popular cryptocurrencies, its range is narrower compared to larger exchanges. More variety could enhance trading opportunities.
Number of Cryptocurrencies
Exmo supports over 50 cryptocurrencies, providing a good range for trading but fewer than some major exchanges .
The platform provides several trading pairs, but the selection is less extensive than what is found on more established exchanges.
Crypto-to-Crypto Trading Pairs
Exmo offers around 180 trading pairs, giving users reasonable options for trading .
PointPay maintains high transparency regarding fees, services, and operational procedures, which helps built trust among users.
Website Transparency
Exmo’s website is transparent, providing detailed information on fees, security measures, and supported assets .
This absence could be a significant drawback for users who seek the convenience of directly spending their crypto holdings in a traditional manner, such as through point-of-sale transactions or online shopping using a card linked directly to their cryptocurrency accounts.
Credit/Debit Card
Exmo does not offer its own credit or debit card for purchases with cryptocurrencies .
PointPay offers secure storage solutions, including a multi-currency wallet that supports various cryptocurrencies.
Storage Offering
Exmo employs robust security measures including cold storage for the majority of user funds .
The platform offers staking options, but the benefits and yields are less competitive compared to leading platforms focused on staking.
Staking and Rewards
Exmo does not currently offer staking and reward features, which limits earning opportunities for users .
PointPay provides both mobile and desktop applications that are user-friendly and feature-rich, though some users may find the mobile app lacks certain advanced features.
Mobile App and Desktop
Exmo provides a user-friendly mobile app and desktop interface, ensuring accessibility for trading on the go .
PointPay has a responsive customer service team accessible through multiple channels, although response times can vary during peak times.
Customer Service
While Exmo offers 24/7 live chat and email support, response times can be slow, affecting user satisfaction .
Deposits and withdrawals are handled efficiently, but the options for fiat transactions are limited, which could be inconvenient for some users.
Deposit and Withdraw
Exmo supports multiple deposit and withdrawal methods, including bank transfers, credit/debit cards, and electronic wallets .

Key features

Analysis tools

Basic charting tools
Basic charting tools, technical indicators

Mobile APP

No
No

Security

High 4,6/5
High 4,5/5

Additional features

Crypto banking, staking, PointPay token (PXP) rewards
Margin trading, staking, Exmo cashback, fiat on/off ramps

Anonymity

Yes
No

Key points

Available cryptocurrencies

50+
50+

User-friendliness

PointPay features an intuitive and user-friendly interface that is easy to navigate, making it suitable for beginners. The platform focuses on providing a seamless trading experience.
Exmo provides a straightforward and easy-to-use platform that is ideal for beginners. The interface is clean and intuitive, making it easy to navigate and execute trades.

Value for money

Delivers reasonable value for money with competitive fees and a user-friendly interface, though it may lack some advanced features.
Offers good value for money with competitive fees and a user-friendly platform, making it a good choice for European traders.

Countries of operation

United States, Canada, United Kingdom, Australia, Singapore
United Kingdom, Russia, Ukraine, Kazakhstan, Poland

Best for

Best for traders seeking a user-friendly platform with competitive fees and a wide range of supported cryptocurrencies.
Ideal for European traders looking for a reliable platform with competitive fees and a user-friendly interface.

Base currencies available

USD, BTC
USD, EUR, RUB, BTC

Account

Trading

PointPay provides a secure platform with a decent range of cryptocurrencies and competitive fees. It offers additional services like staking and loans but lacks advanced trading tools.
EXMO is a European exchange with a good range of cryptocurrencies and easy fiat integration. It offers competitive fees but lacks advanced trading features.

Deposit and withdrawal

PointPay supports various deposit and withdrawal methods, including bank transfers and crypto. Withdrawals are processed efficiently, with low fees.
EXMO supports various deposit methods, including bank transfers and crypto. Withdrawals are processed efficiently, with competitive fees.

Account opening process

PointPay offers an easy and quick account registration process. Users need to provide personal details and verify their identity. The process is fully digital and typically takes less than a day to complete.
EXMO provides a straightforward account registration process. Users need to submit personal information and verify their identity. The process is efficient and usually takes less than a day to complete.

KYC required?

Yes
Yes

Customer Service

PointPay offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.
EXMO provides support through email and live chat. The support team is responsive and available 24/7, making it convenient for users needing immediate help.

Security

PointPay ensures security through 2FA, encryption, and cold storage. Despite its strong security measures, the platform is not regulated by top-tier financial authorities, which could be a concern for some investors.
EXMO ensures security with 2FA, encryption, and cold storage. However, it is not regulated by top-tier financial authorities, which might be a concern for some users.

Which of these exchanges is for you?

alejandro-borja-analista-de-brokers.webp

Alejandro Borja

As a cryptocurrency analyst who has extensively reviewed various platforms, I highly recommend PointPay for both newcomers and seasoned traders. Its all-in-one platform is especially beneficial for users looking to manage multiple crypto activities from a single account. The ease of use, combined with robust security measures and a regulated environment, makes PointPay a trustworthy choice. Whether you’re interested in trading, staking, or simply managing a diverse portfolio, PointPay offers a user-friendly and comprehensive solution that caters to all your cryptocurrency needs.
Xavier-tarraso-mascarell.jpg

Xavier Tarrasó

As an expert at Threenvest, I recommend Exmo for its robust security measures, low trading fees, and support for multiple fiat currencies, which make it accessible and cost-effective for a wide range of traders. While the user interface could use an update and customer support response times can be slow, the platform’s reliability and comprehensive features outweigh these drawbacks. Exmo is a solid choice for both new and experienced traders looking for a dependable and secure cryptocurrency exchange.

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How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

 

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).


For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.

More comparatives Pointpay and Exmo