Kraken fees: the app, Kraken Pro and euro transfers

Two ways to buy, two price lists

Kraken gives you one account and two very different ways to buy.

Instant Buy in the Kraken app is the quick option. Kraken charges 1% on instant and recurring buys and 1.5% on a custom order where you set the price. On top of that, the price you see includes a spread: the gap between the market rate and the rate you get. Kraken calculates it before each order. It varies with the coin, the order size, the payment method and market conditions, and Kraken may keep any spread surplus. No percentage is published for it.

Kraken Pro is the trading platform with an order book. There is no Instant Buy spread; you pay a fixed fee per order, based on your trading volume over the last 30 days, measured in US dollars:

A market order takes liquidity from the order book, so it pays the taker fee. A limit order that waits in the book pays the lower maker fee when it fills.

How we compare Kraken

Because the Instant Buy spread is not published, we cannot calculate what the app really costs. For Kraken we therefore simulate a market order on Kraken Pro: the 0.80% taker fee plus the actual prices in Kraken's order book. On €100 that means €0.80 in fees plus whatever the spread costs at that moment, which the table above shows per coin.

Depositing and withdrawing euros

SEPA Instant deposits usually arrive within moments; standard SEPA can take up to three working days. If you fund your account by card or PayPal, withdrawals can be held for 72 hours.

Kraken does not publish a price for buying crypto directly with a card, so in our comparison Kraken appears without a figure when you choose "card". With "euro balance", we assume the money is already in your account.

Licence and protection

Kraken's EU business runs from Ireland. Payward Europe Solutions Limited has held a MiCA licence from the Central Bank of Ireland since 25 June 2025, and ESMA's register shows it passported to all 30 EEA countries. Kraken's own licensing page lists the same 30 countries. Euro balances sit with Payward Ireland Limited, an e-money institution, rather than with the crypto business.

Kraken publishes a proof of reserves checked by an independent auditor. For the snapshot of 30 June 2026 it reported reserves of 102.9% for bitcoin and 100.5% for ether; euro balances are not part of that check. Some tokens cannot be deposited or traded from the EEA, and Opt-In Rewards are limited to bitcoin there. See how Kraken's licence compares on our MiCA-licensed exchanges page.

Who Kraken suits

The two halves of Kraken suit different habits. Instant Buy is simple, but you only see the full price per order. Kraken Pro takes a little more effort, publishes every rate, and becomes cheaper as your 30-day volume grows. Whether Kraken Pro beats other platforms for a given purchase depends on the coin and its order book; compare live for bitcoin, solana or any other coin in the comparison.