Cash deposit options (fees, minimums and processing times)

Withdrawal hold

Certain deposits, such as first time ACH purchases, debit or credit card purchases or digital wallet purchases will trigger a temporary (72 hour) withdrawal hold on the account, for security purposes.

For enhanced security, debit and credit card purchases using USD may experience the 72 hour lock discussed above on all purchases, not just your first purchase.

How can I deposit funds into my Kraken account?

Before you can buy or trade cryptocurrencies on Kraken, you'll need to deposit funds into your Kraken account using one of the below supported currencies. Select the local currency you would like to use to view specific deposit options. The most common method is via a bank transfer, from your bank account to Kraken, using a unique reference number.

Want to buy instantly?

If you have verified your account to Express (USA only), Intermediate or Pro level, depending on your country of residence, you may be able to use one of the below payment methods:

Visa and Mastercard debit/credit card
Digital wallet purchases
ACH online banking

Deposit funds now

Supported currencies

USD (US Dollar)

Availability	Deposit method	Deposit minimum	Deposit fee	Processing time	Withdrawal Hold
USA only	ACH (Plaid)*	1 USD	free	Near-instant	7 days
USA only**	FedWire (MVB Bank)	1 USD	free	0-1 business days	None
USA only**	FedWire (Customers Bank)	100 USD	free	0-1 business days	None
USA only	FedWire (Etana Custody)	150 USD	free	2-5 business days or instant	None
Worldwide**	CBIT™ (Customers Bank Instant Token)	N/A	free	Near-instant	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.

EUR (Euro)

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	7 days
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

*PayPal fees will vary dependant 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. You can also review our geographic restrictions to determine if you are able to use a Kraken account.

CAD (Canadian Dollar)

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 (Canada Post)	20 CAD	1.25 CAD + 0.25%	30-60 min	None
Canada only	Interac e-Transfer	5 CAD	0.5%	0-1 business days or instant	None
Worldwide* Business Pro	Wire transfer (InterFIN)	1,000 CAD	free	0-10 min	None
Worldwide*	SWIFT (Bank Frick)	4 CAD	3 CAD	1-5 business days	None
Worldwide*	SWIFT (Etana Custody)	150 CAD	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.

**$12.38 fee charged by the intermediary bank.

AUD (Australian Dollar)

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	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

GBP (Pound Sterling)

Availability	Deposit method	Deposit minimum	Deposit fee	Processing time	Withdrawal hold
UK and Gibraltar	FPS/BACS (ClearJunction)	1 GBP	free	0-3 business days or instant	None
UK and Gibraltar	CHAPS (ClearJunction)	22 GBP	21 GBP	Same day	None
UK and Gibraltar	FPS/BACS (Plaid)	1 GBP	free	0-3 business days or instant	None
UK only	FPS (Banking Circle)	2 GBP	free	0-1 business days	None
UK only	PayPal	1 GBP	free*	Near-instant	7 days
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

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

CHF (Swiss Franc)

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

JPY (Japanese Yen)

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

Create a Kraken account

Important deposit information

Deposits must match the same currency specified in the deposit option. For example, CAD funds should only be sent to CAD deposit options. Funds sent to deposit options that they do not belong to, may be returned and could result in charges.
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.
We cannot accept deposits from certain third-party payment processors.
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

Why hasn't my deposit arrived yet?

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.

Are there any other fees?

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.

What are the deposit limits?

Deposit limits will depend on your verification level.

Why is my deposit being held?

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.

Contact Support

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.