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SEPA transfer on Kraken

Our rating
4.7
Offered in
44 countries
Type
SEPA (euro area)
Rail reviewed
2026-08-18
Review updated
2026-08-23

Yes. Kraken takes SEPA transfer in 44 of the 127 countries we rank it in, from Andorra to Wallis and Futuna Islands. One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday. By reach it is third of the 14 rails on our record for Kraken; Credit or debit card is offered in more countries.

What SEPA transfer is

SEPA transfer is the ordinary euro bank transfer, formally the SEPA Credit Transfer scheme, which is run by the European Payments Council and reaches the 41 countries and territories of the Single Euro Payments Area. You send it from your normal bank account using the recipient's IBAN, and it is the standard way to move euro into an exchange account. It carries euro only, so a payment in any other currency falls outside the scheme and is priced differently by your bank.

Speed
One business day at most for an electronically submitted order, so a Friday evening transfer typically lands on Monday.
Cost of the rail
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.
Limits
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.

Every exchange that takes SEPA transfer

Where Kraken offers SEPA transfer

Each country opens the Kraken page for that market, with its rank there and every rail it takes. The number is Kraken's rank in that country's guide.

Europe (37)

Africa (2)

Caribbean (2)

Oceania (2)

South America (1)

What SEPA transfer costs on Kraken

ACH and SEPA deposits are free or low cost; card and digital wallet deposits carry processing fees.

Other ways to pay on Kraken

13 other rails at least one country we rank Kraken in uses, widest reach first.

Frequently asked questions

Does Kraken accept SEPA transfer?

Yes, in 44 of the 127 countries we rank it in, from Andorra to Wallis and Futuna Islands. By reach it is third 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.

In which countries can I use SEPA transfer on Kraken?

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France and French Guiana and 32 more, from our country guides reviewed between 2026-08-12 and 2026-08-20.

How long does a SEPA transfer deposit take on Kraken?

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.

What does SEPA transfer cost on Kraken?

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.

Are there limits on SEPA transfer deposits?

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.

Sources