SEPA transfer on Kraken

Yes, in 48 of the 127 countries we rank it in, from Albania to Wallis and Futuna Islands. By reach it is second of the 14 rails on our record for Kraken; Credit or debit card is offered in more countries. Support is decided market by market, so the country pages linked here are the exact list.

Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland and France and 36 more, from our country guides reviewed between 2026-08-12 and 2026-09-07.

One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday. That describes the rail itself; Kraken may hold a first deposit for longer while it verifies your account.

Set by your own bank rather than by the scheme, and inside the EU and EEA a euro transfer to another SEPA country must cost the same as a domestic one. On Kraken's side: ACH and SEPA deposits are free or low cost; card and digital wallet deposits carry processing fees. Country notes: Albania, through Openpayd for accounts outside the EEA, 2 EUR fee, 1 EUR minimum; Montenegro, through Openpayd for accounts outside the EEA, 2 EUR fee, 1 EUR minimum; North Macedonia, through Openpayd for accounts outside the EEA, 2 EUR fee, 1 EUR minimum; Serbia, through Openpayd for accounts outside the EEA, 2 EUR fee; Serbian banks offer no SEPA Instant yet.

The scheme itself sets no amount cap, but it moves euro only and your own bank applies the daily transfer ceiling and the cut off time that apply to you. Any limit Kraken applies on top is set per account tier and shown inside the platform.