How to deposit on Kraken

Our rating: 4.7
Rails: 14
Countries: 127
Review updated: 2026-08-23

Kraken takes 14 payment rails across the 127 countries we rank it in. The widest: Credit or debit card (128 countries), Wire transfer (47 countries), SEPA transfer (44 countries).

Every rail, by how far it reaches

Counted from our country guides: a rail is listed here only where at least one country we rank Kraken in carries it. Each rail opens its own page with the exact countries.

Domestic bank rail

Domestic bank rail on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Local bank transfer	2Australia, Switzerland	Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days.
Faster Payments	1United Kingdom	Payments are processed in near real time and can be sent and received 24 hours a day, seven days a week, so a deposit usually lands within seconds.
iDEAL	1Netherlands	You approve in your bank app and the merchant gets confirmation immediately, so an exchange normally credits the deposit within minutes.
Interac e-Transfer	1Canada	The recipient typically sees the money within minutes or even seconds of accepting it, though routine fraud checks can add delay.
PayID / Osko	1Australia	Australian Payments Plus says Osko payments arrive in under a minute, 24 hours a day including weekends and public holidays, although a payment can be held for security checks.

SEPA (euro area)

SEPA (euro area) on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
SEPA transfer	44Andorra, Austria, Belgium +41	One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday.
SEPA Instant	22Austria, Belgium, Bulgaria +19	Funds must be made available to the recipient within ten seconds of the payment order, at any hour including weekends and public holidays.

ACH (United States)

ACH (United States) on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
ACH transfer	1United States	Standard entries normally settle the next banking day, while Same Day ACH has three windows each banking day settling at 1:00 pm, 5:00 pm and 6:00 pm Eastern.

International wire

International wire on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Wire transfer	47American Samoa, Anguilla, Antigua and Barbuda +44	A domestic wire clears the same business day, with Fedwire open from 9pm eastern the previous calendar day until 7pm eastern and closed on weekends and Federal Reserve holidays, while a cross border wire can take several business days.

Card

Card on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Credit or debit card	128Albania, American Samoa, Andorra +125	Authorisation is real time, so a card deposit normally lands within seconds and rarely takes more than a few minutes.
Carte Bancaire	1Guadeloupe	Authorisation happens in seconds, so the payment is confirmed while you are still on the checkout page.

Pay wallet

Pay wallet on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
Apple Pay	1United States	Instant, because it is an ordinary card authorisation approved in a second or two, exactly as fast as tapping the underlying card.
Google Pay	1United States	Instant, since the transaction is a normal card authorisation approved in a second or two, so the deposit arrives as quickly as the underlying card allows.

Local e-wallet

Local e-wallet on Kraken: each rail with the number of countries it is offered in.
Rail	Countries	Speed
PayPal	1United States	A PayPal payment posts to the recipient's account straight away, while moving money back out to your own bank is either the free standard transfer or a faster Instant Transfer that costs extra.

As published by Kraken: ACH transfer (US), SEPA transfer (Europe), Wire transfer, Debit and credit cards, Apple Pay and Google Pay, PayPal.

Frequently asked questions

What payment methods does Kraken accept?

14 rails across the countries we rank it in: Credit or debit card, Wire transfer, SEPA transfer, SEPA Instant, Local bank transfer, Faster Payments, iDEAL, Interac e-Transfer, PayID / Osko and ACH transfer and 4 more. Which of them you can use depends on your country; each rail below lists exactly where it is offered.

Can I deposit by bank transfer on Kraken?

Yes. Wire transfer, SEPA transfer, SEPA Instant, Local bank transfer, Faster Payments, iDEAL, Interac e-Transfer, PayID / Osko and ACH transfer are on our record for Kraken, covering 91 countries between them.

Can I pay by card on Kraken?

Yes. Credit or debit card and Carte Bancaire are offered in 127 countries we rank Kraken in. ACH and SEPA deposits are free or low cost; card and digital wallet deposits carry processing fees.

Does Kraken take mobile money or e-wallets?

Yes: Apple Pay, Google Pay and PayPal, in 1 country. These are local rails, so each one is offered only where the wallet itself operates.