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Is Paymium a Good Crypto Exchange for Beginners?

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Is Paymium a Good Crypto Exchange for Beginners?

Updated: February 25, 2025

Mikhail Vnuchkov

Contributor

Reviewed by

Olga Shendetskaya

Editor

Official Paymium
website Full Paymium
overview

Your capital is at risk.

Paymium's Top Features for Beginners

Paymium’s beginner-friendly features, such as a demo account, low minimum deposit, educational materials, copy trading, staking, a user-friendly mobile app, customer support, fiat deposit and withdrawal options, and low fees, were compared against the top two competitors to ensure a comprehensive evaluation.

	Paymium	OKX	Kraken
Demo account
Minimum deposit, USD or USDT	5	10	10
P2P exchange
Spot maker fee	0,15	0,08	0,25
Fiat transactions
Bank cards
Commissions and fees	5.7	9.25	6.2
Educational tools
Crypto bonuses
Staking
Copy trading
	Open an account Your capital is at risk.	Open an account Your capital is at risk.	Open an account Your capital is at risk.

Why We Focused on Comparing These Beginner-Friendly Features:

Demo account – Allows beginners to practice trading without risking real funds, helping them gain confidence and understand the platform.

Minimum deposit, USD or USDT – Ensures low entry barriers, making it affordable for newcomers to start trading with a small initial investment.

P2P exchange – Enables direct cryptocurrency trading between users, often with no intermediaries, providing a straightforward and accessible way to trade.

Spot maker fee – Highlights competitive trading fees for placing limit orders, which is cost-effective for those starting with spot trading.

Fiat transactions – Simplifies the process of depositing and withdrawing funds using local currencies, making it convenient for first-time users.

Bank cards – Provides an easy and familiar way for beginners to fund their accounts quickly using Visa or Mastercard.

Commissions and fees – Transparent and competitive fee structures help beginners calculate costs and avoid unexpected charges.

Educational tools – Tutorials, webinars, and guides equip beginners with the knowledge needed to trade confidently and effectively.

Crypto bonuses – Offers incentives like signup rewards or deposit bonuses, encouraging newcomers to explore trading.

Staking – Allows beginners to earn passive income on their holdings, introducing them to advanced cryptocurrency features with minimal effort.

Copy trading – Lets new traders learn by replicating the strategies of experienced traders, reducing the learning curve.

Short summary about the broker Paymium

The Paymium cryptocurrency exchange was created in 2011 in France and is headquartered in Paris. Paymium is a subsidiary of UAB PAYRNET and is registered with the number 305264430. The company presents itself as the first Bitcoin exchange and is certified by the EU to provide payment services using digital currencies.
Paymium accommodates sellers and separate payment systems by receiving crypto payments without the risks associated with fluctuations in fiat rates.

💰 Account currency:	EUR, BTC, and ETH
🚀 Minimum deposit:	$1
⚖️ Leverage:	1:1
💱 Spread:	Market
🔧 Instruments:	Cryptocurrencies and P2P trading
💹 Margin Call / Stop Out:	No

Paymium Pros and Cons

👍 Advantages of trading with Paymium:

•Official registration with the French regulator L'Autorité des marchés financiers (AMF) with the number E2021-011;

•Its interface is not overloaded with unnecessary elements. Anyone can get comfortable with the functions of the exchange’s website;

•Secure service. Over 90% of the assets are stored in cold wallets;

•Centralization. This exchange’s business is regulated by the state and European regulatory bodies;

•A convenient interface and every client gets a personal manager;

•Minimum fees for working with crypto and fiat currencies;

•Commercial offers for large clients;

•Funds can be added to accounts in different ways, including SEPA and SWIFT.

👎 Disadvantages of Paymium:

•Limited number of cryptocurrency pairs;

•Deposits and withdrawals require mandatory verification;

•Limited number of language versions of the website.

Trading Conditions for Paymium Users

Before you start working with an exchange, it is important that you evaluate its trading conditions. Paymium offers traders the following conditions.

Minimum deposit, USD or USDT	5
Futures leverage	Not allowed
Spot leverage
Coins Supported	2
Affiliate program
Replenishment / Withdrawal	Debit and credit cards, Р2Р cryptocurrency trades, and external services
Trading features	Investment programs
	Open an account Your capital is at risk.

Paymium's Fees

We compared XXX's fees with the top two competitors to provide a clear understanding of how affordable the exchange is for its users.

	Paymium	OKX	Kraken
Spot Taker fee, %	0,25	0,1	0,4
Spot Maker fee, %	0,15	0,08	0,25
Futures Taker fee, %		0,05	0,05
Futures Maker fee, %		0,02	0,02
Withdrawal fee	0,0005 BTC	0,0004 BTC 2,6 USDT	0,0005 BTC

The size of commissions and fees is also an important factor of choice. Traders Union analysts have prepared a short review of Paymium commissions and fees. In this section, you will find trading fees of the exchange as well as withdrawal fees.

Information

The analysis of the commissions done by the Traders Union specialists showed that Paymium’s approach to charging fees differs from that of other crypto exchanges. For makers, the fees are negative, meaning they don’t actually pay fees but earn income instead. For takers, the fees are up to 0.5%

Account type	Spread (minimum value)	Withdrawal commission
Standard	Starting at $0.99	Yes

Investment programs of Paymium

It is important for novice traders not only to trade actively, but also earn passive income. Passive investing can help you earn extra profit, and also compensate for the losses you may incur as a result of active trading. Paymium offers the following passive income options.

Paymium provides very specific instruments for cryptocurrency trading. For instance, there is the OTC Desk, which enables verified users to trade Bitcoins using over-the-counter technology. It gives them access to higher liquidity and personalized support in real-time, and their assets are protected by the state. To trade using the OTC Desk, a client has to fill out a short form on the website. He will be contacted by a specialist from the crypto exchange to discuss the individual conditions for cooperation.

Paymium’s investment programs

The Paymium crypto exchange offers its users the opportunity to make investments through the OTC Desk program. Its essence is the early purchase or sale of cryptocurrencies. Clients who trade in large volumes can request an individual commercial offer.

Important!

If you are a large investor and plan on investments over $10,000, contact us at vip-invest@tradersunion.com or by the feedback form on our website. Our professional team will take you through all the intricacies of thedeal and all the steps from signing up to withdrawal of profits.

Paymium’s affiliate program

The platform has a referral system that promotes the reduction of commissions. All traders participate in this referral system automatically. Every participant receives BTC and EUR as rewards in the amount of 30% of the fees paid by his referrals. The rewards accrue in his balance automatically. They can be used for trading or withdrawn as crypto or fiat currency.

There are no unique differences between the offers on other exchanges. It’s the same referral system or affiliate program, which partially compensates for the commissions paid by an invitee. Unlike other crypto exchanges, Paymium pays rewards in EUR and BTC. Percentages accrue right after invitees make transactions.

Conclusion. Is Paymium good for beginners?

The Paymium cryptocurrency exchange will be an excellent choice for beginners. The exchange offers a convenient trading platform, which a beginner can learn to work with rather quickly. There is an excellent education center with a large number of materials for novice traders. Also, traders can earn passive income on good conditions. Therefore, Paymium could be considered as a good cryptocurrency exchange for a start.

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FAQ

What do I need to know about the fees charged by cryptocurrency exchanges?

The majority of cryptocurrency exchanges use the Maker/Taker fee model. As a rule, they use a multi-level system for traders that depends on the trading volume. The higher the trader’s trading volume, the lower the fees.

How do I choose a reliable cryptocurrency exchange?

Crypto exchanges mostly operate without licenses, as the majority of countries haven’t adopted legislation to regulate them. In order to choose a reliable exchange, you need to find out about its reputation and read the reviews about user experiences with it.

How many cryptocurrencies could a crypto exchange offer?

The number of cryptocurrencies on the listing of a cryptocurrency exchange may be very different. Some platforms offer less than 10, while others – several hundreds. It is important that you check the choice of cryptocurrency before registering on the exchange.

What are the risks of investing in cryptocurrencies?

Investing in cryptocurrencies carry high risks due to their high volatility. It could cause substantial losses, which is why it is important to observe the rules of risk management.