Your Kraken account must be verified to the Intermediate or Pro level, with residence in one of the supported countries mentioned below.

You must hold a valid Visa or Mastercard in the same legal name as your Kraken account.

Your debit or credit card needs to support 3D Secure version 1 (3DSv1).

Card purchase fees:

• For every crypto purchase made with your card, a fee of 3.75% + €0.25 is deducted from the total spending amount specified. The Kraken fee of 1.5% is then applied and is provided on the final confirmation page as a monetary value of your investment.
• The transaction fee is provided on the final confirmation page and is visible before you complete the purchase.
• There are no hidden or additional fees and the total value shown on the 'Confirmation' page is what Kraken will charge to your card.
• Depending on your card issuers policy, they may charge additional fees for cash advance or online card purchases. These fees are independent from Kraken’s fee and are outside of our control.

Card and transaction limits:

• The minimum transaction amount is €10.
• There is a maximum spending amount of €7,500 within a time-based seven day rolling period.
• Purchase amounts count towards your daily and monthly funding limits.
• A maximum of three attempts to save your payment card is allowed within a 30 day rolling period. Deleting saved cards will not reset this limit so be mindful of this before removing any of your saved card details. Card information is securely stored and displayed according to PCI compliance regulations. Each new purchase will require 3DS authentication.

Purchases are currently only available in euros. Once you select 'debit & credit card' as the payment method, the spending amount will automatically change to EUR and any purchases will be charged to your card in EUR as well. Please ensure that your card issuer is able to process any applicable currency conversions.

The Buy Crypto widget and our Kraken app are specifically designed for easy buying and selling. Withdrawals to cards are not supported. 

The Global Settings Lock (GSL) prevents saved cards from being deleted. To delete your card, please disable this setting by following these instructions on how to remove GSL from your account.

If you are using the Kraken app and have Trading 2FA enabled, you will only be able to use your existing account balances. To use your card for a purchase, please disable Trading 2FA.  This limitation only applies when purchasing on the Kraken app. 

There are a number of reasons why a transaction could fail:

• The browser or app was either closed or refreshed before the crypto order could complete.
• Website or API connectivity issues.
• Adverse market volatility, meaning we're unable to lock down a price.

Transactions can also be declined by your card issuer if:

• They do not allow payments to crypto exchanges.

• You input the wrong 3DS code.
• They do not support 3DSv1.

If your card was charged but you did not immediately receive your crypto assets, the transaction will automatically be voided within two hours. 

These lists are not exhaustive, so please contact our Support team if your purchases continue to fail.

3DSv1, typically referred to as "Verified by Visa" or “Mastercard SecureCode", is an additional security layer used to authorize online purchases by entering a password or one-time-PIN. This authentication step is currently enforced on every transaction.

Digital or Cloud banks may require the purchase to be authorized within the app.

If you are unsure if your card is 3DSv1, please contact your card issuer to enquire if they support this security feature. 

We do not currently support 3DSv2.

Afghanistan	Ghana	Palau
Åland Islands	Gibraltar	Palestine, State of
Albania	Greece	Panama
Algeria	Greenland	Papua New Guinea
Andorra	Grenada	Paraguay
Angola	Guadeloupe	Peru
Anguilla	Guatemala	Philippines
Antarctica	Guernsey	Pitcairn
Antigua & Barbuda	Guinea	Poland
Argentina	Guinea-Bissau	Portugal
Armenia	Guyana	Qatar
Aruba	Haiti	Réunion
Australia	Heard Island & McDonald Islands	Romania
Austria	Holy See (Vatican)	Russia
Azerbaijan	Honduras	Rwanda
Bahamas	Hong Kong	Saint Barthélemy
Bahrain	Hungary	Saint Helena, Ascension & Tristan Da Cunha
Bangladesh	Iceland	Saint Kitts & Nevis
Barbados	India	Saint Lucia
Belarus	Indonesia	Saint Martin (French Part)
Belgium	Iraq	Saint Pierre & Miquelon
Belize	Ireland	Saint Vincent & The Grenadines
Benin	Isle Of Man	Samoa
Bermuda	Israel	San Marino
Bhutan	Italy	Sao Tome & Principe
Bolivia (Plurinational State of)	Ivory Coast	Saudi Arabia
Bonaire, Sint Eustatius & Saba	Jamaica	Senegal
Bosnia & Herzegovina	Jersey	Serbia
Botswana	Jordan	Seychelles
Bouvet Island	Kazakhstan	Sierra Leone
Brazil	Kenya	Singapore
British Indian Ocean Territory	Kiribati	Sint Maarten (Dutch Part)
Brunei Darussalam	Kosovo	Slovakia
Bulgaria	Kuwait	Slovenia
Burkina Faso	Kyrgyzstan	Solomon Islands
Burma (Myanmar)	Laos	Somalia
Burundi	Latvia	South Africa
Cabo Verde	Lebanon	South Georgia & The South Sandwich Islands
Cambodia	Lesotho	South Sudan
Cameroon	Liberia	Spain
Canada	Libya	Sri Lanka
Cayman Islands	Liechtenstein	Sudan
Central African Republic	Lithuania	Suriname
Chad	Luxembourg	Svalbard & Jan Mayen
Chile	Macao	Swaziland
China	Macedonia	Sweden
Christmas Island	Madagascar	Switzerland
Cocos (Keeling) Islands	Malawi	Taiwan
Colombia	Malaysia	Tajikistan
Comoros	Maldives	Tanzania, United Republic of
Congo - Brazzaville	Mali	Thailand
Congo - Kinshasa	Malta	Timor-Leste
Cook Islands	Marshall Islands	Togo
Costa Rica	Martinique	Tokelau
Croatia	Mauritania	Tonga
Curaçao	Mauritius	Trinidad & Tobago
Cyprus	Mayotte	Tunisia
Czech Republic	Mexico	Turkey
Denmark	Micronesia (Federated States of)	Turkmenistan
Djibouti	Moldova	Turks & Caicos Islands
Dominica	Monaco	Tuvalu
Dominican Republic	Mongolia	UAE
Ecuador	Montenegro	Uganda
Egypt	Montserrat	Ukraine
El Salvador	Morocco	United Kingdom
Equatorial Guinea	Mozambique	United States Minor Outlying Islands
Eritrea	Namibia	Uruguay
Estonia	Nauru	Uzbekistan
Ethiopia	Nepal	Vanuatu
Falkland Islands (Malvinas)	Netherlands	Venezuela (Bolivarian Republic of)
Faroe Islands	New Caledonia	Viet Nam
Fiji	New Zealand	Virgin Islands (British)
Finland	Nicaragua	Virgin Islands (US)
France	Niger	Wallis & Futuna
French Guiana	Nigeria	Western Sahara
French Polynesia	Niue	Yemen
French Southern Territories	Norfolk Island	Zambia
Gabon	Northern Ireland	Zimbabwe
Gambia	Norway
Georgia	Oman
Germany	Pakistan