Cash deposit options (fees, minimums and processing times)

Withdrawal hold

How can I deposit funds into my Kraken account?

To buy or trade crypto on Kraken, first deposit funds using a supported currency below. Choose your local currency to see available deposit options. The most common method is bank transfer.

Supported currencies

Prevent deposit delays

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal Hold

USA only

ACH (Plaid)*

1 USD

Free

Near-instant

7 days

USA only

PayPal

1 USD

Free*

Near-instant

72 hours

USA only**

FedWire (Dart Bank)

1 USD

Free

0-1 business days

None

USA only**

FedWire (Etana Connect)

10 USD

Free

0-1 business days

None

Worldwide**

CUBIX™ (Customers Bank Instant Transfer)

N/A

Free

Near-instant

None

Worldwide**

SWIFT (Customers Bank)

100 USD

Free

1-3 business days

None

Worldwide**

SWIFT (Etana Custody)

150 USD

Free

2-5 business days
or instant

None

Worldwide**

SWIFT (Bank Frick***)

4 USD

3 USD

1-5 business days

None

*ACH deposits via Plaid are available instantly for trading, but will be subject to a seven day withdrawal hold.

**Availability for this funding provider may be limited to specific regions, please select the purple text under the 'Deposit Method' column to view the support article for the provider and find out more details. You can also review our geographic restrictions to determine if you are able to use a Kraken account.

***Fees may vary depending on the geographic location used to register your Kraken account (country of residence).

Which deposit option is the best for me?If your bank account is within the Single European Payment Area (SEPA), you may choose any of our SEPA deposit methods. For worldwide* EUR deposits, please choose one of our SWIFT deposit methods based on your preference around deposit minimums and fees.

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

SEPA**

SEPA / SEPA Instant (ClearJunction)

1 EUR

free

0-3 business days or instant

None

SEPA

SEPA/SEPA Instant (Plaid)

1 EUR

free

0-3 business days or instant

None

SEPA

SEPA (Bank Frick***)

1 EUR

free

0-3 business days

None

SEPA**

SEPA/SEPA Instant (Banking Circle)

1 EUR

free

0-3 business days or instant

None

EEA

PayPal

1 EUR

free*

Near-instant

72 hours

Worldwide**

 

SWIFT (Bank Frick***)

 

4 EUR

3 EUR

1-5 business days

None

Worldwide**

SWIFT (Etana Custody)

 

150 EUR

free

2-5 business days or instant

None

Netherlands

iDeal

10 EUR

free

Near-instant

None

*PayPal fees will vary depending on your region and are displayed on the final confirmation page.

**Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details.

***Fees may vary depending on the geographic location used to register your Kraken account (country of residence).

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

Canada only

Domestic wire transfer (Credit Union Atlantic)

100 CAD

free**

1-5 business days

None

Canada only

In-person cash or debit

20 CAD

1.25 CAD + 0.25%

30-60 min

None

Canada only

Interac e-Transfer

5 CAD

free

0-1 business days or instant

None

Worldwide*

SWIFT (Bank Frick***)

4 CAD

3 CAD

1-5 business days

None

Worldwide*

SWIFT

150 CAD

free

2-5 business days
or instant

None

Canada only

Apaylo (Bill Pay)

1 CAD

0.25% per transaction.Max of 30 CAD per deposit

1-5 business days

None

*Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details.

**$13.74 fee charged by the intermediary bank.

***Fees may vary depending on the geographic location used to register your Kraken account (country of residence).

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

Australia only

Bank Transfer / Osko

5 AUD

free

0-2 business days. Near instant for Osko transactions.

None

Australia only

PayPal

1 AUD

free*

Near instant

72 hours

Australia only

Real Time Gross Settlement (RTGS)

100 AUD

33 AUD

0-1 business days

None

Worldwide*

SWIFT (Etana Custody)

150 AUD

free

2-5 business days
or instant

None

*Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details.

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

UK only

FPS (Plaid)

1 GBP

free

0-1 business days*

None

UK (EEA upon request)

FPS

2 GBP

free

0-1 business days*

None

UK only

PayPal

1 GBP

free**

Near-instant

72 hours

Worldwide***

SWIFT (Bank Frick****)

4 GBP

3 GBP

1-5 business days

None

Worldwide***

 

SWIFT (Etana Custody)

 

150 GBP

free

2-5 business days
or instant

None

*First time deposits may take 1-3 business days to be credited.

**PayPal fees will vary depending on your region and are displayed on the final confirmation page.

***Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details.

****Fees may vary depending on the geographic location used to register your Kraken account (country of residence).

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

Liechtenstein & Switzerland only

 

SIC (Bank Frick**)

 

1 CHF

free

Same day

None

Worldwide*

 

SWIFT (Bank Frick**)

 

1 CHF

0.75 CHF

1-5 business days

None

Worldwide*

 

SWIFT (Etana Custody)

 

150 CHF

free

2-5 business days or instant

None

*Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details.

**Fees may vary depending on the geographic location used to register your Kraken account (country of residence).

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

Worldwide*

 

SWIFT (Etana Custody)

 

15,000 JPY

free

2-5 business days
or instant

None

*Availability for this funding provider may be limited to specific regions, please select the purple text under the ‘Deposit Method’ column to view the support article for the provider and find out more details. You can also review our geographic restrictions to determine if you are able to use a Kraken account.

Availability

Deposit method

Deposit minimum

Deposit fee

Processing time

Withdrawal hold

Argentina only*

Bank transfer 

10,000 ARS

1.5%

Near-instant

None

*Funding methods by account type

  • Intermediate accounts will have full access to ARS funding.

  • Pro personal and Business accounts will support SWIFT funding only.

Accounts that support ARS will not have any alternative funding methods enabled. If you have questions or require assistance, please contact our support team for further guidance.

AvailabilityDeposit methodDeposit minimumDeposit feeProcessing time

Brazil only

Bank transfer (PIX)

50 BRL0.2% + 0.3% IOF taxNear instant
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing time

Mexico only

Bank transfer (SPEI)150 MXN0.50%

Up to 20 minutes 

Want to buy instantly?

If you have verified your Kraken account, depending on your country of residence, you may be able to use one of the next payment methods:

Kraken Pay

Kraken Pay offers a quick, cost-free way to move funds directly between Kraken accounts. Click here to learn more.

Important deposit information

Prevent deposit delays
  • The currency you use for a bank transfer (deposit) to Kraken, must match the currency of the deposit method. For example, if you're sending EUR, it should only go to EUR deposit methods like SEPA & SEPA Instant (Banking Circle), SEPA (Bank Frick), or EUR SWIFT (Bank Frick) for transfers from outside the SEPA area. If you send a cash transfer in the wrong currency to one of our bank accounts, the transfer may be returned and/or some additional charges may be applied.

  • Deposit fees are what it costs Kraken to accept your deposit and do not include your bank's charges (if any) for sending a transfer.

  • Verified residents in Canada can deposit with cash and debit cards using our In-Person provider.

  • Please be mindful of banking holidays

  • This information can change without notice and is not always current. Please sign in to your Kraken account and navigate to the relevant funding page to see the most current information.

  • Kraken does not currently support US domestic deposits via checks. Do not mail checks or deposit physical cash directly to any of our bank accounts or addresses. Any checks we receive will be destroyed.

Frequently asked questions

Processing times are estimates only and are outside of Kraken's control. Delays are possible. If your deposit does not arrive within the estimated time frame above, please follow these steps.

Your bank may charge you fees for sending the deposit to our payments processors.

Intermediary or correspondent banks (banks between your bank and our bank that processes the transaction in transit) may also charge fees or convert the transaction to a different currency en route (if sending euros from outside of Europe, for example). These fees are on the account of the sender and the responsibility of the sending bank.

Deposit will depend on your verification level.

A deposit might be held for various reasons. When a deposit is held our support team will reach out promptly with more information. Alternatively, you can contact support if you haven't heard from us yet.

The decimal and thousands separators shown in this article may differ from the formats displayed on our trading platforms. Review our article on how we use points and commas for more information.
How can I deposit funds into my Kraken account?
Supported currencies
Important deposit information
Frequently asked questions

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