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.
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.
Supported currencies
If you have verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies. Purchases are processed in EUR, so check with your bank to determine if any currency conversion fees will apply. Note: The debit or credit card option is not currently available for US clients, however ACH online banking is available via instant buy for US clients.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| USA only | FedWire (MVB Bank) |
1 USD | Free | 0-1 business days |
| USA only | FedWire (Signature Bank) |
1 USD | Free | 0-1 business days |
|
USA only |
FedWire (Silvergate) |
100 USD | 10 USD | 0-1 business days |
| USA only | FedWire (Etana Custody) |
150 USD | Free | 2-5 business days or instant |
| USA only* | FedWire (Synapse) |
20 USD | 5 USD | 3-5 business days |
| Worldwide* | SWIFT (Etana Custody) |
150 USD | Free | 2-5 business days or instant |
|
Worldwide* |
SWIFT (Signature Bank) |
1 USD | Free | 0-5 business days |
|
Worldwide* |
SWIFT (Silvergate Bank) |
100 USD | 10 USD | 0-5 business days |
| EEA Individual EEA & US |
SWIFT (Bank Frick) |
4 USD | 3 USD | 1-5 business days |
| Worldwide* Business Pro |
Signet | No minimum | Free | Near-instant |
| Worldwide* Business Pro |
Silvergate Exchange Network (SEN) |
No minimum | Free | Near-instant |
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies.
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 |
|---|---|---|---|---|
| SEPA | SEPA (Fidor) |
1 EUR | Free | 0-3 business days or instant |
| SEPA | SEPA (Bank Frick) |
1 EUR | Free | 0-3 business days |
| SEPA / SEPA Instant (ClearJunction) |
1 EUR | Free |
0-3 business days |
|
|
Worldwide* |
SWIFT (Bank Frick) |
4 EUR | 3 EUR | 1-5 business days |
|
Worldwide* |
SWIFT (Fidor) |
50 EUR | Free | 1-5 business days |
|
Worldwide* |
SWIFT (Etana Custody) |
150 EUR | Free | 2-5 business days or instant |
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies. Purchases are processed in EUR, if your debit or credit card account is based in another currency, check with your bank to determine what conversion fees will apply.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| Canada only | Domestic wire transfer (Credit Union Atlantic) | 125 CAD | Free** | 1-5 business days |
| Canada only | In-person cash or debit (Canada Post) |
20 CAD | 1.25 CAD + 0.25% | 30-60 min |
| Canada only | Interac e-Transfer | 5 CAD | 1.5%*** | 0-1 business days or instant |
| Worldwide* Business Pro |
Wire transfer (InterFIN) |
1,000 CAD | Free | 0-10 min |
| Worldwide* | SWIFT (Bank Frick) |
4 CAD | 3 CAD | 1-5 business days |
| Worldwide* | SWIFT (Etana Custody) |
150 CAD | Free | 2-5 business days or instant |
*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.
**$11.50 fee charged by the intermediary bank.
*** The deposit fee for Interac e-Transfers is 1.5% but only up to a max of 30 CAD.
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies. Purchases are processed in EUR, if your debit or credit card account is based in another currency, check with your bank to determine what conversion fees will apply.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| Australia only | Bank Transfer / Osko | 5 AUD | Free | 0-2 business days. Near instant for Osko transactions |
| Worldwide* | SWIFT (Etana Custody) |
150 AUD | Free | 2-5 business days or instant |
*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.
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies. Purchases are processed in EUR, if your debit or credit card account is based in another currency, check with your bank to determine what conversion fees will apply.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| UK and Gibraltar* | FPS/BACS (ClearJunction) | 1 GBP | Free | 0-3 business days |
| UK and Gibraltar* | CHAPS (ClearJunction) | 22 GBP | 21 GBP | Same day |
| Worldwide* | SWIFT (Bank Frick) |
4 GBP | 3 GBP | 1-5 business days |
| Worldwide* | SWIFT (Etana Custody) |
150 GBP | Free | 2-5 business days or instant |
*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.
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies in euros. Purchases are processed in EUR, if your debit or credit card account is based in another currency, check with your bank to determine what conversion fees will apply.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| Liechtenstein & Switzerland only | SIC (Bank Frick) |
1 CHF | Free | Same day |
| Worldwide* | SWIFT (Bank Frick) |
1 CHF | 0.75 CHF | 1-5 business days |
| Worldwide* | SWIFT (Etana Custody) |
150 CHF | Free | 2-5 business days or instant |
*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.
If you've verified your account to Intermediate or Pro level and live in one of these countries, you can also use your debit or credit card to directly purchase cryptocurrencies. Purchases are processed in EUR, if your debit or credit card account is based in another currency, check with your bank to determine what conversion fees will apply.
| Availability | Deposit method | Deposit minimum | Deposit fee | Processing time |
|---|---|---|---|---|
| Worldwide* | SWIFT (Etana Custody) |
15,000 JPY | Free | 2-5 business days or instant |
| Japan only | Furikomi/Domestic remittance(NEO Bank - SBI Net Bank) | 1,000 JPY | Free | 0 - 10 min |
*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.
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
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.
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.