Kraken fees 2026: Kraken Pro, instant buy, SEPA and withdrawals

Kraken fees depend on where you place your order. On Kraken Pro you pay 0.40% as a maker and 0.80% as a taker at the entry tier, while the simple Kraken app charges 1% on instant buys plus a spread. Euro deposits by SEPA bank transfer are free, and a SEPA withdrawal costs €1.

We checked Kraken’s fee schedule, funding page and support tables on 23 October 2026, and every figure below comes from those pages. Kraken is licensed for EU residents: Payward Europe Solutions Limited holds a MiCA authorisation from the Central Bank of Ireland, granted on 25 June 2025 and passported to every EEA country. Our Kraken review covers the licence and track record; this page covers what you pay.

Kraken fees in 30 seconds

• Kraken Pro spot trading: 0.40% maker, 0.80% taker at the lowest tier, falling as your 30-day trading volume grows.
• Kraken app (instant buy): 1% on direct and recurring buys, 1.5% on custom orders, plus a variable spread.
• Stablecoin and FX pairs: 0.20% maker and taker at the entry tier.
• SEPA deposit: free. Card purchases: fee not published on Kraken’s funding page.
• SEPA withdrawal: €1, or €0.90 by SEPA Instant.
• Bitcoin withdrawal: 0.000015 BTC (subject to change).
• Futures: 0.02% maker, 0.05% taker below $5 million futures volume, for EU clients who pass an appropriateness test.
• Cheapest route: SEPA in, limit order on Kraken Pro: €4.00 on a €1,000 buy.

Kraken’s fee structure at a glance

Kraken’s fee structure has three layers: a trading fee on every trade, a spread on app purchases, and fixed fees on some deposits and withdrawals. Trading fees are a percentage of the order; most withdrawal fees are fixed amounts.

The spread is the gap between the price you buy at and the market price. Kraken builds it into the app price and doesn’t publish its size, so the real cost of buying crypto in the Kraken app is always higher than the headline 1%.

Kraken Pro fees: maker and taker by tier

Kraken Pro fees start at 0.40% for a maker order and 0.80% for a taker order. A maker order is a limit order that waits in the order book until someone trades against it; a taker order fills straight away against an existing order, as every market order does.

In July 2026 Kraken restructured its Kraken Pro fees. The entry tier rose from 0.25% maker and 0.40% taker to 0.40% and 0.80%, which doubled the taker fee for anyone trading small amounts.

Kraken maker fees and taker fees by trading volume

Kraken lowers both fees as your 30-day trading volume rises. It measures volume in USD on one shared ladder, so spot volume, futures volume or assets held on Kraken can each qualify you for a tier. These are the main spot tiers on Kraken’s fee schedule:

Above $10 million, Kraken’s Pro tiers for very large traders cut the taker fee further, to 0.05% at the top. If you invest €100 a month, you stay on the lowest tier: €100 is nowhere near $2,500 in 30 days. For most readers, 0.40% and 0.80% are the rates that count.

Stablecoin, pegged-token and FX pairs, such as swapping euros for USDC or EUR for USD, run on a separate ladder that starts at 0.20% for both maker orders and taker orders.

Instant buy fees in the Kraken app

Buying crypto in the standard Kraken app costs 1% on direct and recurring buys and 1.5% on custom orders, plus a variable spread and possible payment-method fees. That makes instant buy the simplest way to trade on Kraken, and also the most expensive.

The Kraken mobile app and Kraken Pro are two separate apps (on the App Store and Google Play, and in your browser) that share one Kraken account and one login. Switching costs nothing, and your funds are in the same account either way. The standard Kraken app shows basic price charts and a buy button; Kraken Pro adds the order book, where the lower fees are.

Kraken+ and zero app trading fees

Kraken+ is a subscription that removes the app trading fee on up to $10,000 of volume a month. It isn’t zero fee trading in full: the spread still applies, so zero trading fees in the app still leave a cost built into every price. Check the subscription price in the app and compare it with 1% of what you buy each month before you sign up.

Kraken deposit fees: SEPA, card and crypto deposits

Kraken charges nothing for euro deposits by SEPA bank transfer, so bank transfers are the cheapest way to fund a Kraken account. Other payment methods can cost more, and some fees are not published.

• SEPA bank transfers: free. The name on your bank account must match the name on your Kraken account, so a transfer from someone else’s account won’t be accepted.
• Card purchases: Kraken’s funding page doesn’t publish a card fee, and instant buys can add a payment processing fee on top of the 1%. Check the final total on screen before you confirm card transactions.
• Minimum deposit: Kraken’s funding page doesn’t state a minimum for euros. Your funding limits depend on your verification level.
• Crypto deposits: Kraken’s crypto deposit fees are not in our checked data. When you send coins in, the network fee is charged by the wallet or exchange you send from.
• Other fiat currency deposits: Kraken supports seven fiat currencies (EUR, USD, GBP, CHF, CAD, AUD and JPY). We only checked euro methods.

US customers are served by a separate company, Payward Interactive, Inc. US methods such as ACH transfers have their own fees, which this page doesn’t cover.

Kraken withdrawal fees for euros and crypto withdrawals

A standard SEPA withdrawal costs €1 and a SEPA Instant withdrawal via ClearJunction costs €0.90, according to Kraken’s support table updated on 28 September 2026. Crypto withdrawals carry a fixed fee per coin; for bitcoin it is 0.000015 BTC.

The bitcoin fee is fixed in BTC, so its value in euros moves with the price. As an illustration only: if one bitcoin were worth €100,000, 0.000015 BTC would be €1.50. Because the fee is charged per withdrawal, one large withdrawal costs less than several small ones. Kraken says its crypto withdrawal fees are subject to change, so check the fee on the confirmation screen.

Worked examples: what Kraken charges in euros

These are the Kraken fees on four common orders, funded by a free SEPA deposit, at the entry tier. App figures leave out the spread, which Kraken doesn’t publish.

A €100 simple buy

• Kraken app instant buy: €100 × 1% = €1.00 plus the spread.
• Kraken Pro market order (taker): €100 × 0.80% = €0.80.
• Kraken Pro limit order (maker): €100 × 0.40% = €0.40.

A €1,000 limit order on Kraken Pro

A €1,000 limit order that rests in the order book pays the maker fee: €1,000 × 0.40% = €4.00. If your limit price is at or past the market price, the order fills straight away and is charged as a taker: €8.00. The same €1,000 as an instant buy in the app costs €10.00 plus the spread.

€100 a month for a year

Placing a monthly limit order on Kraken Pro instead of a recurring app buy saves at least €7.20 a year, and more once you count the spread.

A round trip: buy and sell €1,000

Say you deposit €1,000 by SEPA, buy bitcoin on Kraken Pro, later sell €1,000 worth and withdraw the euros to your bank account:

Order type has a direct impact on your total cost: €8.00 of the €17.00 is avoidable with limit orders.

Futures trading and margin trading fees

Kraken’s futures fees start at 0.02% maker and 0.05% taker for traders with under $5 million in 30-day futures volume. EU residents can trade crypto futures only through Kraken’s Cyprus firm, Payward Europe Digital Solutions (CY) Limited (CySEC licence 342/17), after passing a MiFID II appropriateness test, and with extra product and leverage limits. These geographic restrictions come from EU rules for derivatives.

Futures fees apply to the full position, not to your own money. Put €1,000 into a position at 5x leverage and the position is worth €5,000: opening as a taker costs €5,000 × 0.05% = €2.50, and closing costs about the same again. Perpetual contracts also carry funding payments between traders, which can cost more than the trading fee on a position you hold for days.

Margin trading on spot markets, where you borrow funds to buy more than you hold, is offered to “eligible clients” only, and Kraken’s fee schedule lists separate margin fees. We couldn’t confirm whether EU retail clients qualify, so check eligibility in your Kraken account before you rely on it.

How to pay lower fees on Kraken

The quickest way to pay lower fees on Kraken is to fund by SEPA, use Kraken Pro instead of instant buy, and place limit orders. Together, those three steps turn a €1,000 buy from €10.00 plus a spread into €4.00.

1. Use Kraken Pro instead of the Kraken app. Same account, same login, and no spread on top: 0.80% as a taker against 1% plus a spread.
2. Place limit orders. A limit order that waits in the book pays the 0.40% maker fee, half the taker fee. Set your buy price slightly below the current price; if the market moves away, the order simply doesn’t fill.
3. Pay by SEPA bank transfer, not card. SEPA deposits are free, while card purchases can add a payment processing fee that Kraken doesn’t publish on its funding page.
4. Batch your withdrawals. The €1 SEPA fee and the 0.000015 BTC fee are charged per withdrawal, so withdraw less often and in larger amounts.
5. Don’t chase tiers. At $2,500 of 30-day volume the fees drop to 0.30% / 0.60%, but trading more only to reach a tier costs more than it saves.

Is Kraken Pro worth it? For anyone who buys more than once in a while, yes: it’s free to use, and every €1,000 you place as a limit order costs €6.00 less than an instant buy, before the spread.

Kraken fees compared with other licensed crypto exchanges

Kraken is not the cheapest MiCA-licensed exchange at the entry tier: Bybit EU and OKX charge less per trade, while Coinbase charges more. These are entry-tier spot fees and euro costs from each provider’s own fee pages, checked on 23 October 2026:

• Kraken vs Bybit EU: Bybit EU’s flat 0.25% is cheaper on every order size, but it shows withdrawal fees only after you log in. See Bybit fees.
• Kraken vs OKX: OKX is cheapest once you open its X-Perps derivatives account; even without it, 0.35% taker beats Kraken’s 0.80%. See OKX fees.
• Kraken vs Coinbase: both are MiCA-licensed, but Coinbase Advanced costs 50% more at the entry tier. See Coinbase fees or our Coinbase vs Kraken comparison.

Kraken stands out for range and regulation rather than price: more than 600 crypto assets by our count of its public API, seven fiat currencies, and EU-regulated futures in one account.

Why are Kraken fees so high?

Kraken’s fees look high mainly because of the July 2026 change, which doubled the entry-tier taker fee to 0.80%. Add the app’s 1% plus a spread, and the price of convenience is clear. For Kraken users who trade with limit orders on Kraken Pro, the cost drops to 0.40%, which is still above Bybit EU and OKX.

Who Kraken’s fees suit: long-term holders and advanced users who place limit orders and value a licence and a wide choice of coins. Who should look elsewhere: anyone who buys €50 to €100 at a time with market orders and wants the lowest cost per trade. For a step-by-step walkthrough of a purchase, see our guide to buying bitcoin on Kraken.