As a security precaution, withdrawals in any currency of up to 100% of your first debit or credit card purchase will be locked for 72 hours. This means that if your first debit or credit card purchase was $1,000, you will not be able to withdraw the equivalent of $1,000 in either cash or crypto for the following 72 hours. Additional debit or credit card purchases made during this 72 hours will also be locked for the remainder of the 72 hours.
You can instantly purchase a range of cryptocurrencies using your debit or credit card.
Fees and limits
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.
Failed or declined transactions
- 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.
- They do not support 3DS.
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.
Explanation of 3D Secure (3DS)
If you are unsure if your card is 3DS, please contact your card issuer to enquire if they support this security feature.
|Åland Islands||Gibraltar||Palestine, State of|
|Algeria||Greenland||Papua New Guinea|
|Antigua & Barbuda||Guinea||Poland|
|Australia||Heard Island & McDonald Islands||Romania|
|Austria||Holy See (Vatican)||Russia|
|Bahamas||Hong Kong||Saint Barthélemy|
|Bahrain||Hungary||Saint Helena, Ascension & Tristan Da Cunha|
|Bangladesh||Iceland||Saint Kitts & Nevis|
|Belarus||Indonesia||Saint Martin (French Part)|
|Belgium||Iraq||Saint Pierre & Miquelon|
|Belize||Ireland||Saint Vincent & The Grenadines|
|Benin||Isle Of Man||Samoa|
|Bhutan||Italy||Sao Tome & Principe|
|Bolivia (Plurinational State of)||Ivory Coast||Saudi Arabia|
|Bonaire, Sint Eustatius & Saba||Jamaica||Senegal|
|Bosnia & Herzegovina||Jersey||Serbia|
|Bouvet Island||Kazakhstan||Sierra Leone|
|British Indian Ocean Territory||Kiribati||Sint Maarten (Dutch Part)|
|Burkina Faso||Kyrgyzstan||Solomon Islands|
|Cabo Verde||Lebanon||South Georgia & The South Sandwich Islands|
|Central African Republic||Lithuania||Suriname|
|Chad||Luxembourg||Svalbard & Jan Mayen|
|Cocos (Keeling) Islands||Malawi||Taiwan|
|Comoros||Maldives||Tanzania, United Republic of|
|Congo - Brazzaville||Mali||Thailand|
|Congo - Kinshasa||Malta||Timor-Leste|
|Cook Islands||Marshall Islands||Togo|
|Curaçao||Mauritius||Trinidad & Tobago|
|Denmark||Micronesia (Federated States of)||Turkmenistan|
|Djibouti||Moldova||Turks & Caicos Islands|
|Dominican Republic||Mongolia||United Arab Emirates|
|El Salvador||Morocco||United Kingdom|
|Ethiopia||Nepal||Venezuela (Bolivarian Republic of)|
|Falkland Islands (Malvinas)||Netherlands||Viet Nam|
|Faroe Islands||New Caledonia||Virgin Islands (British)|
|Fiji||New Zealand||Wallis & Futuna|
|French Southern Territories||Norfolk Island|
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.