Established exchange known for security and advanced trading features.
KYC verification: Same day
Available in: US, UK, AU, FR, DE, IT, ES, CA
Australian traders wanting fast AUD funding through Osko and lower Pro trading fees
Most deposit issues are bank-side checks or setup mistakes, so do a small test transfer first
Primary Osko/PayID
Osko deposits are typically near-instant. Standard bank transfers can take 0 to 1 business day.
⚠ Deposits can be delayed or rejected when the bank account name does not match the verified Kraken account name.
⚠ First-time Osko payments can trigger bank fraud checks or beneficiary approval delays.
AUSTRAC-registered Digital Currency Exchange (DCE) (Bit Trade Pty Ltd, ABN 42 163 237 634)
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for bank transfers
Why is Kraken asking for my bank account name to match?
AUD funding expects the bank account holder name to match your verified Kraken profile. If you send from a different name or a business account, the deposit can be rejected or delayed.
Why did my first Osko transfer take longer than expected?
Some banks hold first-time real-time payments for fraud checks. Once the first transfer clears, later deposits are usually much faster. Start with a small test transfer.
What is the fastest way to fund Kraken from an Australian bank?
Osko is usually the fastest. Confirm your bank supports Osko real-time payments for near-instant deposits.
Why is my deposit showing as pending or on hold?
Kraken may place deposits on hold for manual checks, or the bank may not have released the payment yet. Check the deposit status page in your Kraken account and confirm the details match your deposit instructions.
US traders wanting quick bank funding through ACH and lower Pro trading fees
State restrictions apply (NY, ME unavailable) and missing transfer references cause delays
Primary ACH Transfer
ACH deposits using Plaid typically process within minutes. Wires depend on bank cutoffs and can take the same day to 1 business day.
⚠ ACH and some US funding options are not available in certain states, including TX, NY, and ME.
⚠ Domestic transfers can be delayed when required references like your Kraken Public Account ID are missing.
US Money Services Business (MSB) registration (Payward Ventures, Inc.)
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for ACH, wire fees vary
Is Kraken available in my US state?
Kraken does not offer services to residents of New York and Maine. Some funding options are also unavailable in TX. Check Kraken's state availability page before signing up.
Why is ACH not showing up as a deposit option?
ACH funding depends on residency and eligibility, and may be restricted in certain states. If it is available, it usually appears under USD funding options using Plaid.
Why did my domestic transfer get delayed or not credited?
If your bank transfer requires a reference, missing your Kraken Public Account ID can delay crediting. Re-check the deposit instructions and resend only after confirming the reference format.
Why did my wire deposit fail?
Wire deposits sent as ACH can fail and may take up to 10 business days to return to your bank. Double-check the wire type before sending.
UK traders wanting GBP funding through Faster Payments and lower Pro fees for active trading
Most issues come from choosing the wrong manual transfer method or missing transfer references
Primary Faster Payments
GBP funding through FPS or BACS is estimated at 0 to 3 business days, and can be instant depending on the method used.
⚠ UK deposits can fail when users select the wrong deposit method or provider inside the Manual bank transfer flow.
⚠ Transfers can be delayed by bank holidays or bank fraud checks on first-time payees.
FCA-registered cryptoasset business (Payward Ltd) (effective 22 November 2021)
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for bank transfers
Why is my GBP deposit not showing on Kraken?
FPS or BACS deposits can be instant or take up to 3 business days depending on the route. Check for bank holidays, then confirm you used the exact deposit details and any required reference.
Where do I pick the right UK deposit method on Kraken?
In the Deposit flow, use Manual bank transfer and then choose the funding method shown for your account. If you pick the wrong provider, the transfer can fail or delay.
What is the cheapest way to fund Kraken in the UK?
Bank transfer is usually cheaper than card. Use Faster Payments if available with your bank.
Why did my bank block the transfer to Kraken?
Some UK banks flag first-time payments to exchanges. Add Kraken as a payee first, do a small test transfer, and complete any in-app bank security prompts.
Canadian traders wanting CAD funding through Interac e-Transfer and lower Pro fees for active trading
Most common delays come from bank authorization steps or daily Interac limits
Primary Interac e-Transfer
Interac e-Transfer deposits can take between 1 hour and 1 day to process.
⚠ e-Transfers can stall if your bank requires an extra authorization step before releasing the payment.
⚠ Daily Interac limits at your bank can cause partial sends or failed attempts.
FINTRAC MSB registration (MSB No. M19343731) and Canadian securities registration as a Restricted Dealer (OSC)
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for Interac e-Transfer
How long should an Interac e-Transfer deposit take on Kraken?
Kraken notes that an e-Transfer can take between 1 hour and 1 day. If it takes longer than a day, contact support and check whether your bank needed an extra authorization step.
Why does my bank show the e-Transfer as debited but Kraken has nothing?
Some banks show the debit before the transfer is fully released. Check your bank for pending authorization prompts, then wait up to a day before escalating.
What is the best funding rail for most Canadian banks?
Interac e-Transfer is usually the easiest for retail users. EFT can be a good backup when Interac limits get in the way.
Why did my deposit fail?
Most failures are from incorrect details or hitting bank limits. Re-copy the exact format from Kraken's deposit instructions and resend a small test amount.
German traders wanting EUR deposits through SEPA and the ability to switch to Pro for lower trading fees
Most problems come from reference mistakes or bank fraud holds, so do a small SEPA test transfer before sending larger amounts
Primary SEPA Instant
SEPA Instant can credit quickly when supported by your bank. Standard SEPA deposits are typically 0 to 3 business days.
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match Kraken's deposit instructions.
⚠ Some banks treat exchange transfers as higher risk and may hold first-time payments for fraud checks.
MiCA-licensed Crypto Asset Service Provider (CASP) authorised by the Central Bank of Ireland, available across the EEA under passporting
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for SEPA transfers
What is the best way to fund Kraken in Germany?
SEPA Instant is the fastest when your bank supports it, otherwise standard SEPA works well.
Why did my SEPA deposit not credit?
Double-check the beneficiary details and reference from Kraken's deposit instructions. Missing references are a common reason for delays.
Why did Kraken receive less EUR than I sent?
Intermediary banks can deduct fees on some transfer routes. Kraken documents this as a cause of short credits.
Why is my bank holding the transfer to Kraken?
Some banks hold first-time transfers to exchanges. Add Kraken as a beneficiary, confirm any in-app bank prompts, and retry with a small amount.
French traders wanting EUR deposits through SEPA and the option to use Pro for lower trading fees
Most deposit delays come from beneficiary setup and reference mistakes, so set up the payee early and test with a small transfer
Primary SEPA Instant
SEPA Instant can credit quickly when supported by your bank. Standard SEPA deposits are typically 0 to 3 business days.
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match Kraken's deposit instructions.
⚠ Bank fraud checks are common on first-time transfers to exchanges, especially when the payee is new.
MiCA-licensed Crypto Asset Service Provider (CASP) authorised by the Central Bank of Ireland and passported into France (AMF whitelist entry)
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for SEPA transfers
What is the fastest way to fund Kraken in France?
SEPA Instant is usually the fastest when your bank supports it.
Why is my SEPA deposit delayed?
SEPA can take up to 3 business days. Delays also happen when the reference or beneficiary details do not match Kraken's deposit instructions.
Why did I receive less EUR than I sent?
Some transfers pass through intermediary banks that deduct fees. Kraken documents intermediary fees as a reason for short credits.
How do I keep fees lower when buying after my deposit arrives?
Use Kraken Pro and place orders on the order book instead of using instant buys. Pro fees are volume-based.
Italian traders wanting EUR deposits through SEPA and the option to use Pro for lower trading fees
Most deposit delays come from beneficiary setup and reference mistakes, so set up the payee early and test with a small transfer
Primary SEPA Instant
SEPA Instant can credit quickly when supported by your bank. Standard SEPA deposits are typically 0 to 3 business days.
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match Kraken's deposit instructions.
⚠ First-time transfers to exchanges can be held by banks for fraud checks.
MiCA-licensed Crypto Asset Service Provider (CASP) authorised by the Central Bank of Ireland, available across the EEA (including Italy) under passporting
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for SEPA transfers
What is the fastest way to fund Kraken in Italy?
SEPA Instant is usually the fastest when your bank supports it. Intesa Sanpaolo and UniCredit typically support SEPA Instant.
Why is my SEPA deposit delayed?
SEPA can take up to 3 business days. Delays also happen when the reference or beneficiary details do not match Kraken's deposit instructions.
Why did I receive less EUR than I sent?
Some transfers pass through intermediary banks that deduct fees. Kraken documents intermediary fees as a reason for short credits.
Why did my bank hold the transfer?
First-time transfers to exchanges can be held for fraud checks. Add Kraken as a beneficiary, confirm any security prompts, and retry with a small amount.
Spanish traders wanting EUR deposits through SEPA and the option to use Pro for lower trading fees
Most deposit delays come from beneficiary setup and reference mistakes, so set up the payee early and test with a small transfer
Primary SEPA Instant
SEPA Instant can credit quickly when supported by your bank. Standard SEPA deposits are typically 0 to 3 business days.
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match Kraken's deposit instructions.
⚠ First-time transfers to exchanges can be held by Spanish banks for fraud checks.
MiCA-licensed Crypto Asset Service Provider (CASP) authorised by the Central Bank of Ireland, available across the EEA (including Spain) under passporting
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for SEPA transfers
What is the fastest way to fund Kraken in Spain?
SEPA Instant is usually the fastest when your bank supports it. CaixaBank and Santander typically support SEPA Instant.
Why is my SEPA deposit delayed?
SEPA can take up to 3 business days. Delays also happen when the reference or beneficiary details do not match Kraken's deposit instructions.
Why did I receive less EUR than I sent?
Some transfers pass through intermediary banks that deduct fees. Kraken documents intermediary fees as a reason for short credits.
Why did my bank hold the transfer?
Spanish banks sometimes hold first-time transfers to exchanges for fraud checks. Add Kraken as a beneficiary, confirm any security prompts, and retry with a small amount.
Dutch users wanting instant iDEAL deposits and competitive trading fees on EUR pairs
Check your daily limit before depositing, as iDEAL payments count toward your bank's transfer limit
Primary Ideal
iDEAL deposits are instant. SEPA Instant can credit quickly when supported by your bank. Standard SEPA deposits typically take 0 to 2 business days.
⚠ iDEAL payments can fail if you exceed your daily limit in the banking app
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match Kraken's deposit instructions
Kraken holds a MiCA license from the Central Bank of Ireland, valid across the EEA including the Netherlands
Last verified: 2026-01-28 · View source
Trading Fees
0.00-0.40% maker/taker (volume-based)
Deposit Fees
Free for iDEAL and SEPA transfers
What is the fastest way to fund Kraken from a Dutch bank?
iDEAL is usually the fastest for instant EUR deposits. All major Dutch banks (ING, Rabobank, ABN AMRO, bunq) support iDEAL.
Why did my iDEAL payment fail?
iDEAL payments count toward your daily transfer limit. Check your remaining limit in your banking app and try again with a smaller amount if needed.
Why is my SEPA deposit delayed?
SEPA can take up to 2 business days. Delays also happen when the reference or beneficiary details do not match Kraken's deposit instructions.
Why did my bank hold the transfer?
Dutch banks sometimes hold first-time transfers to exchanges for fraud checks. Add Kraken as a beneficiary, confirm any security prompts, and retry with a small amount.
Kraken supports ach, wire, faster-payments, osko, sepa for deposits.
Kraken typically completes KYC verification in same day.
Kraken is available in US, UK, AU, FR, DE, IT, ES, CA and more.