Zumo Review
Zumo is a Scottish app founded in 2018 for buying Bitcoin and Ether, registered with the FCA and focused on sustainability.
This review is editorial and independent. Investing in cryptocurrencies carries the risk of total loss — only invest what you can afford to lose.
What Zumo offers
Detailed rating
- FCA registration
- Simple app
- 0.5% fee
- −Bitcoin and Ether only
- −Crypto operations are not protected by the FCA
About Zumo
Founded in 2018 and headquartered in Edinburgh, Zumo has established itself as a strong player in the crypto exchange ecosystem. Under FCA cryptoasset registration (no. 901033) regulation, the platform offers more than 2 cryptocurrencies and more than 2 trading pairs.
Its offering stands out for a balanced combination of fees, liquidity and user experience — something especially valued by users looking for a reliable platform to trade Bitcoin and altcoins.
Deposits, withdrawals and fees
Zumo accepts crypto deposits on major networks (Bitcoin, Ethereum, BSC, Solana, Tron and more) and also allows fiat deposits via SEPA, card and other methods depending on country. Standard spot fees are 0,5% por operación, with additional discounts based on volume or use of the exchange's native token.
Crypto withdrawals are processed in minutes once the account is verified. For larger amounts, a standard manual review for the sector may apply.
Security and regulation
Operates under FCA cryptoasset registration (no. 901033) regulation, with two-factor authentication (2FA), withdrawal whitelisting, majority cold storage and periodically audited proof of reserves.
Mobile experience and support
There's a mobile app for iOS and Android, plus an optimized website. Support responds via 24/7 live chat and offers a complete help center.
How to open an account at Zumo
We explain step by step how to create your account at Zumo safely, from registration to your first deposit. The entire process usually takes less than 5 minutes.
- 1
Go to the official website
Visit the official Zumo website via the button at the end of this guide. Always check the URL to avoid phishing pages.
- 2
Click "Register" and enter your email
The sign-up button is in the top-right corner. Enter an email address you have permanent access to — you'll need it to verify the account and recover access.
- 3
Create a strong password
Choose a password of at least 12 characters combining uppercase, lowercase, numbers and symbols. Don't reuse passwords from other platforms; a password manager is highly recommended.
- 4
Verify your account and enable 2FA
Confirm your email, complete KYC (ID and proof of address if requested) and enable two-factor authentication (2FA) with Google Authenticator. It's the most important step to protect your funds.
- 5
Deposit and start trading
Make your first deposit in crypto (or fiat via SEPA, if available) and start trading on Zumo.
Our verdict
Zumo receives an editorial score of 3.4/5. It is an interesting option with room for improvement. Recommended for users who value its differentiating proposition versus larger brands.
Other recommended exchanges
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OKX was one of the first three global exchanges to receive a MiCA license in Malta (January 2025), with passporting across all 30 EEA countries. Extensive catalog, very competitive fees, and its own DeFi ecosystem.
Binance is the world's largest cryptocurrency exchange by volume. It offers the widest catalog, very low fees, and immense liquidity, but its offerings in the EU are limited, and it is not listed as a fully MiCA-licensed CASP in all EEA countries.