European Crypto Wallet Tools

#1 Trezor

Prague, Czech Republic Device prices were not shown on the pages we read; see trezor.io Demo on request

Best for: Holders who want an open-source hardware wallet that signs for third-party wallets and dApps

• Operating company. Trezor Company s.r.o.
• Jurisdiction. EU (Czech Republic)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask (as the key store), Coinbase Wallet

Trezor is the hardware wallet line of Trezor Company s.r.o., which has its head office at Kundratka 2359/17a in Prague 8. The Safe 3, Safe 5 and Safe 7 differ in screen, build, chip and connectivity, and the Trezor Suite app runs on Android, Mac, Windows and Linux. Trezor lists 12, 20 and 24 word backups and an advanced multi-share backup.

The company is registered under ID 02440032 and says it is part of SatoshiLabs Group. Trezor describes its code and design as 100% open source, though we did not read the licence. Passphrase protection, Tor, coin control and FIDO2 are listed on the comparison page. Check iPhone support per model before buying.

Standout feature. Trezor is the one wallet here that pairs open-source code and design with Tor identity protection on every model.

#2 Tangem

Zug, Switzerland 2 cards set $54.90, 3 cards set $69.90, Family Pack $144.80, Ring with 2 cards $160.00, one-time payment with no subscription (USD prices on the English page) Demo on request

Best for: Newcomers who want a cold wallet with public prices and a phone-based app

• Operating company. Tangem AG
• Jurisdiction. Switzerland (adequacy decision, outside the EEA)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask (as the key store), Coinbase Wallet

Tangem is a hardware wallet shaped like a bank card, sold by Tangem AG with its global headquarters at Baarerstrasse 10 in Zug. The keys sit on a chip in the card, and a phone powers it over NFC. Every card in a set holds the same wallet, so the set is also the backup.

Tangem states that its chip is certified EAL6+ and was developed with Samsung Semiconductors, and that Kudelski Security and Riscure reviewed the firmware. Those are the vendor's own statements. The company offers a 25-year limited warranty, free shipping above a threshold that differs between pages, and an in-app buy, sell, swap and stake function through providers.

Standout feature. Tangem is the only hardware wallet here whose prices, from $54.90 for two cards, could be read without asking the vendor.

#3 Ledger

Paris, France Device prices were not shown on the pages we read; see ledger.com Demo on request

Best for: Users who want a French hardware wallet with a companion app and a large product range

• Operating company. Ledger SAS
• Jurisdiction. EU (France)
• Where the data sits. Website hosted by Shopify Inc. (Canada) according to the legal notice; wallet data location not stated
• Source code. Closed source
• Replaces. MetaMask (as the key store), Coinbase Wallet

Ledger is published by Ledger SAS, registered at 106 rue du Temple in Paris under RCS number 529 991 119 with share capital of 1,224,265 euros. The range runs from the Nano Gen5 and Nano Classics to the Flex and Stax touchscreen devices. The Ledger Wallet app is the companion for buying, swapping and staking.

Beyond consumer devices, Ledger lists Ledger Enterprise and Ledger Multisig for institutions, plus a crypto card. The shop checkout terms name Global-e France SAS as the seller for some countries, and a Delaware corporation with a New York address also appears without an explained role. Ledger warns on its homepage that it never asks for the 24 recovery words.

Standout feature. Ledger is the one vendor here that sells consumer devices, an enterprise product and a multisig product under one roof.

#4 NGRAVE

Wavre, Belgium Device price not shown on the pages we read; see ngrave.io Demo on request

Best for: Holders who want fully offline signing and still use MetaMask for dApps

• Operating company. Hestara SRL (trading as NGRAVE)
• Jurisdiction. EU (Belgium)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask (as the key store)

NGRAVE is the trade name of Hestara SRL, a Belgian company with its registered office at Venelle des Platanes 2 in Wavre. The NGRAVE ZERO is an air-gapped device that, according to the vendor, has no USB, Bluetooth, NFC, WiFi or 4G, so every transaction is signed through QR codes on a 4 inch colour touchscreen.

The company states that the ZERO is the only hardware wallet with EAL7 certification, that it was made in Belgium, and that it holds more than 100 accounts and 3,500 coins and tokens. We did not check those claims. The device pages say it integrates with MetaMask and Rabby, and the partners page links Changelly, BTC Direct and Arch Lending for swaps, trading and loans.

Standout feature. NGRAVE is the only device in this category that states it has no cable or radio interface of any kind.

#5 Coinomi

Geneva, Switzerland Free to use; the site states zero Coinomi fees for sending and receiving, you pay only network fees; exchange fees not read Demo on request

Best for: Holders who want a free multi-chain software wallet with no account signup

• Operating company. Loksias SA (Coinomi)
• Jurisdiction. Switzerland (adequacy decision, outside the EEA)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask, Coinbase Wallet, Trust Wallet

Coinomi is a software wallet operated by Loksias SA, a Swiss company registered c/o Bridge Corporate Services Sàrl at Route de Malagnou 6 in Geneva. Apps exist for iOS, Android and desktop. Coinomi states support for more than 10,000 assets across over 50 blockchains, NFTs, a built-in exchange and live chat support.

Sending and receiving carry no Coinomi fee, so you pay only the network fee, and the app is free to download. Coinomi says private keys never leave the device, that no KYC is needed to access funds and that its servers hide your IP address from third parties. These are vendor statements. The terms are governed by Swiss law, and the vendor says it has been running since 2014.

Standout feature. Coinomi is the only free software wallet in this category that spans iOS, Android and desktop with a built-in exchange.

#6 Safe{Wallet}

Berlin, Germany Safe Pro Starter EUR 189 a month excl. VAT (2 Safe accounts, 30-day free trial), Business from EUR 669 a month (5 to 20 accounts), Enterprise custom; annual billing saves about 10% Demo on request

Best for: DAOs, treasuries and teams that need several signers for each transaction

• Operating company. Safe Labs GmbH
• Jurisdiction. EU (Germany)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask for shared treasuries

Safe{Wallet} is run by Safe Labs GmbH at Unter den Linden 10 in Berlin, entered at Amtsgericht Charlottenburg as HRB 270980 B. It is a multisig smart account in which several signers approve each transaction. The Safe site says it has been built on the Safe Smart Account since 2017.

Plans are priced in euros: Starter is EUR 189 a month excl. VAT for 2 Safe accounts with a 30-day trial, Business starts at EUR 669 a month for 5 to 20 accounts, and Enterprise is on request. The product adds Safe{Mobile}, Safe{API}, a shared address book and an activity log. The homepage figures for volume, assets and accounts are vendor claims that we could not verify.

Standout feature. Safe{Wallet} is the only tool in this category where one person alone cannot send funds.

#7 BitBox

Zurich, Switzerland Device prices were not shown on the pages we read; see bitbox.swiss Demo on request

Best for: Bitcoin-focused holders who want Swiss hardware with open firmware

• Operating company. Shift Crypto AG (trade name BitBox)
• Jurisdiction. Switzerland (adequacy decision, outside the EEA)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. MetaMask (as the key store)

BitBox is the trade name of Shift Crypto AG, a privately held company commercially registered in the Canton of Zurich. The range consists of the BitBox02 and the BitBox02 Nova, managed with the BitBoxApp, plus the BitBoxCare service. Accessories include a backup card, Steelwallet, Steelwallet Pro and tamper-evident bags.

Shift Crypto says its firmware is open source and that it introduced a dual-chip architecture in 2019. The site publishes a bug bounty policy, a refund and warranty policy and a privacy policy effective June 2026. Prices, coin lists and chip names were not on the pages we read, and the company presents the product as a Swiss vault for bitcoin first.

Standout feature. BitBox is the Swiss device in this category that combines open firmware with metal backup accessories.

#8 Cryptnox

Carouge (Geneva), Switzerland Prices not shown on the pages we read; see the Cryptnox store Demo on request

Best for: Users who want a card wallet that signs for MetaMask and WalletConnect dApps

• Operating company. Cryptnox SA
• Jurisdiction. Switzerland (adequacy decision, outside the EEA)
• Where the data sits. Newsletter software runs on the company's WordPress hosted by Infomaniak in Switzerland; wallet data location not stated
• Source code. Closed source
• Replaces. MetaMask (as the key store)

Cryptnox is a card hardware wallet from Cryptnox SA at Avenue Cardinal-Mermillod 36 in Carouge, near Geneva. The company states that private keys sit in the card's secure element and that a second card made in dual mode acts as the backup, without a seed phrase. Biometric authentication is added through the mobile app.

Cryptnox says the card works with MetaMask, WalletConnect and Web3 apps, and the site has an online tool for signing a message over WalletConnect. The company also sells FIDO2, PIV and Shamir Secret Sharing cards and runs a business line for card scheme infrastructure. It ships from Switzerland, the EU and the US without import duties, according to the vendor.

Standout feature. Cryptnox is the one card wallet here that comes with a second card created in the same step as its backup.

#9 Electrum

Berlin, Germany Founded 2013 Free; the privacy policy states the service is provided at no cost Demo on request

Best for: Bitcoin users who value open code, signed builds and control over the server

• Operating company. Electrum Technologies GmbH
• Jurisdiction. EU (Germany)
• Where the data sits. Website hosted by Electrum Technologies GmbH; wallet files stay with the user
• Source code. Closed source
• Replaces. Bitcoin use of MetaMask or Coinbase Wallet

Electrum is the Bitcoin wallet of Electrum Technologies GmbH, Paul-Lincke-Ufer 8d in Berlin, founded by Thomas Voegtlin in 2013 according to the imprint and distributed under the MIT licence. It handles Bitcoin only. Builds exist for Windows, macOS, Linux and Android, through Google Play and F-Droid.

The executables are reproducible and signed independently by several builders, and the site publishes GPG signatures with a verification guide. It warns that anti-virus software often flags the binaries and tells users to check signatures instead. You can run your own server with an installation guide or the Rust implementation Electrs. The latest release we read was 4.8.3.

Standout feature. Electrum is the one wallet here that lets you verify, with signatures from several builders, that the binary you run matches the published code.

#10 LOBSTR

Estonia (city not stated), Estonia Free app; fees for buying and swapping were not read Demo on request

Best for: Stellar and XRP users who want an easy mobile wallet

• Operating company. Ultra Stellar OÜ
• Jurisdiction. EU (Estonia)
• Where the data sits. not stated on the pages we read
• Source code. Closed source
• Replaces. Wallet use for Stellar and XRP Ledger

LOBSTR is provided by Ultra Stellar OÜ, an Estonian private limited company whose terms fall under Estonian law. It says it is an independent entity unaffiliated with the Stellar Development Foundation. The app holds, sends, receives, buys and swaps assets on Stellar and the XRP Ledger, with access through web, iOS and Android.

Purchases work by card, Apple Pay or Google Pay, and the site lists on-chain and cross-chain swaps and market alerts. 2FA, a PIN and multisig are the account protections, with LOBSTR Vault and a Signer Extension for further multisig use. The site claims more than 1,000,000 users. The terms were last updated on 9 January 2024, and the registered city is not shown.

Standout feature. LOBSTR is the only wallet in this category built around the Stellar and XRP Ledger networks.

#11 Specter

Neuchâtel, Switzerland Free; funded by donations Demo on request

Best for: Bitcoin users who run a node and want multisig with hardware wallets

• Operating company. Specter Association
• Jurisdiction. Switzerland (adequacy decision, outside the EEA)
• Where the data sits. Runs on your own computer and Bitcoin node
• Source code. Closed source
• Replaces. Bitcoin use of MetaMask

Specter is developed by the Specter Association, a Swiss non-profit, and Specter Desktop is free software under the MIT licence. It does not store keys. It coordinates a Bitcoin Core node with hardware devices you already own, such as BitBox, Trezor, Keystone, Coldcard, Jade, Ledger, KeepKey, Specter DIY and SeedSigner.

Wallets can be single-signature or multisig. Transactions are built, signed and broadcast through Bitcoin Core, with PSBT signing over QR codes, SD cards or USB. Support runs through documentation and a contact form, and the project asks for donations. The imprint names both Neuchâtel and Zurich, so check which address applies. A Specter hardware wallet is described, with a build guide for DIY builders.

Standout feature. Specter is the one tool here that works with hardware wallets from nine named vendors and projects rather than selling a device of its own.

#12 Relai

Paris, France 1% on buying and selling, 0.9% with an invite code (home page FAQ, 28 Oct 2026) Demo on request

Best for: People who want to own Bitcoin keys instead of leaving coins on an exchange

• Operating company. Relai EU SASU
• Jurisdiction. EU (France)
• Where the data sits. Not stated on the pages we read
• Source code. Closed source
• Replaces. Coinbase

Relai is a Bitcoin app in which the coins you buy go to a wallet where only you hold the 12-word recovery phrase. Relai EU SASU is registered in Paris (RCS 934 814 062, share capital EUR 3,501,000) and, according to the vendor, registered as a MiCA CASP with the AMF. Relai AG in Switzerland is described as a VQF member.

The one published fee is 1% on buying and selling, or 0.9% with an invite code, according to the home page FAQ of 28 October 2026. That is above the fees of exchanges such as Finst or Bitvavo. The app cannot reset a lost recovery phrase, and we did not confirm which of the two entities contracts with you in each country.

Standout feature. Relai is the only entry that combines a self-custody wallet with a stated MiCA registration.