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Cash deposit options (fees, minimums and processing times)
Withdrawal hold
Certain deposits, such as first time ACH purchases, Paypaldebit or credit card purchases or digital wallet purchases will trigger a temporary (72 hour) withdrawal hold on the account, for security purposes. Cash deposits via ACH Plaid are held from withdrawal for 7 days. 
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:
Prevent deposit delays
If required and shown in the deposit instructions, make sure your deposit includes a reference to your Kraken Public account ID which starts with AA and is 16 characters long.

Supported currencies

USD (US Dollar)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal Hold
USA onlyACH (Plaid)*1 USDfreeNear-instant7 days
USA only**FedWire (MVB Bank)1 USDfree0-1 business daysNone
USA only**FedWire (Customers Bank)100 USDfree0-1 business daysNone
USA onlyFedWire (Etana Custody)150 USDfree2-5 business days or instantNone
Worldwide**CBIT™ (Customers Bank Instant Token)N/AfreeNear-instantNone
Worldwide**SWIFT (Customers Bank)100 USDFree1-3 business daysNone
Worldwide**SWIFT (Etana Custody)150 USDfree2-5 business days or instantNone
Worldwide**SWIFT (Bank Frick)4 USD3 USD1-5 business daysNone
*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.
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
SEPA**SEPA / SEPA Instant(ClearJunction)1 EURfree0-3 business days or instantNone
1 EURfree0-3 business days or instantNone
SEPASEPA (Bank Frick)1 EURfree0-3 business daysNone
SEPA**SEPA/SEPA Instant (Banking Circle)1 EURfree
0-3 business days or instant
None
EEAPayPal1 EURfree*Near-instant72 hours
Worldwide**
SWIFT (Bank Frick)4 EUR3 EUR1-5 business daysNone
Worldwide**
SWIFT (Etana Custody)150 EURfree2-5 business days or instantNone
*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)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
Canada onlyDomestic wire transfer (Credit Union Atlantic)100 CADfree**1-5 business daysNone
Canada onlyIn-person cash or debit (Canada Post)20 CAD1.25 CAD + 0.25%30-60 minNone
Canada onlyInterac e-Transfer5 CAD0.5%0-1 business days or instantNone
Worldwide* Business ProWire transfer (InterFIN)1,000 CADfree0-10 minNone
Worldwide*SWIFT (Bank Frick)4 CAD3 CAD1-5 business daysNone
Worldwide*SWIFT (Etana Custody)150 CADfree2-5 business days or instantNone
*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.
**$13.74  fee charged by the intermediary bank.
AUD (Australian Dollar)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
Australia onlyBank Transfer / Osko5 AUDfree0-2 business days. Near instant for Osko transactions.None
Australia onlyReal Time Gross Settlement (RTGS)100 AUD33 AUD0-1 business daysNone
Worldwide*SWIFT (Etana Custody)150 AUDfree2-5 business days or instantNone
*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.
GBP (Pound Sterling)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
UK and GibraltarFPS/BACS (ClearJunction)1 GBPfree0-3 business days or instant
None
UK and GibraltarCHAPS (ClearJunction)22 GBP21 GBPSame dayNone
UK and GibraltarFPS/BACS (Plaid)1 GBPfree0-3 business days or instantNone
UK onlyFPS (Banking Circle)2 GBPfree0-1 business daysNone
UK onlyPayPal1 GBPfree*Near-instant72 hours
Worldwide**SWIFT (Bank Frick)4 GBP3 GBP1-5 business daysNone
Worldwide**SWIFT (Etana Custody)150 GBPfree2-5 business days or instantNone
*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.
CHF (Swiss Franc)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
Liechtenstein & Switzerland onlySIC (Bank Frick)1 CHFfreeSame dayNone
Worldwide*SWIFT (Bank Frick)1 CHF0.75 CHF1-5 business daysNone
Worldwide*SWIFT (Etana Custody)150 CHFfree2-5 business days or instantNone
*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.
JPY (Japanese Yen)
AvailabilityDeposit methodDeposit minimumDeposit feeProcessing timeWithdrawal hold
Worldwide*SWIFT (Etana Custody)15,000 JPYfree2-5 business days or instantNone
*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

  • 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.
  • 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.
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.

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