Cash withdrawal options (fees, minimums and processing times)

Last updated: July 4, 2026
Withdrawal hold

For security, certain transactions such as ACH, Paypal, debit or credit card purchases or digital wallet purchases will trigger a temporary (72 hour) withdrawal hold. Cash deposits via ACH Plaid are held from withdrawal for 7 days. This applies to all crypto and fiat withdrawals. Debit/credit card purchases in USD may always be subject to the 72-hour hold, not just the first transaction.

Krak App

The Krap App offers a quick, cost-free way to move funds directly between Kraken accounts.

The decimal and thousands separators shown in this article may differ from the formats displayed on our trading platforms.

Below is an overview of withdrawal options and their minimums, fees and processing times.

Important withdrawal information

  • •

    This information can change without notice and is not always current. Please sign in to your Krak account and navigate to the relevant funding page to see the most current information.

  • •

    Cash, checks, Cash or third-party payments processor withdrawals are not possible.

  • •

    Processing times are estimates only and are outside of Krak’s control, so delays are possible.

  • •

    Please be mindful of banking holidays. 

  • •

    If your withdrawal does not arrive within the estimated time frame below, follow these steps.

Supported currencies

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

USA only

ACH

1 USD

Free

0-2 business days (cutoff at 2pm EST)

USA only*

FedWire
(Customers Bank)

20 USD

4 USD

0-1 business days

USA only*

FedWire (Dart Bank)

20 USD

4 USD

0-1 business days

Worldwide*

SWIFT (Bank Frick**) 

100 USD

14 USD

1-5 business days 

USA Only*

RTP***

20 USD

1.50% (50 USD max)

Near-instant

*Availability for this funding provider may be limited to specific regions, please select purple text under the 'Withdrawal Method/Processor' column to view the support article for the provider and find out more details.

**Transfers may be processed as SWIFT if IBAN is not SEPA-reachable and additional SWIFT fees may apply. Fees may also vary depending on the geographic location used to register your Krak account (country of residence).

***RTP Withdrawals require the connected financial institution or bank account to support RTP. Krak cannot enable this feature.

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

SEPA only

SEPA (Bank Frick**)

2 EUR

1 EUR

0-5 business days

SEPA only*

SEPA (Banking Circle)

2 EUR

1 EUR

0-5 business days

SEPA only*

Instant SEPA (Banking Circle)

2 EUR

1 EUR

Near-instant****

SEPA only

SEPA

3 EUR

0.90 EUR

Near-instant****

SEPA

SEPA / SEPA Instant (Openpayd)

2 EUR

1 EUR

0-3 business days

Worldwide*

SWIFT (Bank Frick**)

100 EUR

5 EUR

1-5 business days

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details.

**Transfers may be processed as SWIFT if IBAN is not SEPA-reachable and additional SWIFT fees may apply. Fees may also vary depending on the geographic location used to register your Krak account (country of residence).

****While SEPA Instant Credit Transfers (SCT Instant) are typically processed near-instantly, we have no control over the regulatory checks and compliance procedures at banks, which may occasionally extend processing times.

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

UK and Gibraltar*

FPS (Banking Circle)

5 GBP

1.95 GBP

Near-instant

UK only

FPS (Openpayd)

5 GBP

1.95 GBP

Near-instant

Worldwide*

SWIFT (Bank Frick**)

100 GBP

13 GBP

2-5 business days

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details.

**Transfers may be processed as SWIFT if IBAN is not SEPA-reachable and additional SWIFT fees may apply. Fees may also vary depending on the geographic location used to register your Krak account (country of residence).

****While Faster Payments Service (FPS) transfers are typically processed near-instantly, we have no control over the regulatory checks and compliance procedures at banks, which may occasionally extend processing times.

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

Canada only

EFT
 (POSCONNECT)

50 CAD

0.35%

2-5 business days

Canada only

e-Transfer

15 CAD

10 CAD

0-1 business days or instant

Worldwide*

SWIFT (Bank Frick**)

100 CAD

13 CAD

1-5 business days

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details. 

**Transfers may be processed as SWIFT if IBAN is not SEPA-reachable and additional SWIFT fees may apply. Fees may also vary depending on the geographic location used to register your Krak account (country of residence).

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

Australia only

Bank Transfer

5 AUD

free

0-2 business days

Australia only

Osko

5 AUD

free

Near-instant

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details. 

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

Liechtenstein & Switzerland only

SWIFT (Bank Frick**)

2 CHF

1 CHF

Same day

Worldwide*

SWIFT (Bank Frick**)

100 CHF

1 CHF

1-5 business days

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details. 

**Transfers may be processed as SWIFT if IBAN is not SEPA-reachable and additional SWIFT fees may apply. Fees may also vary depending on the geographic location used to register your Krak account (country of residence).

Availability

Withdrawal Method/Processor

Withdrawal Minimum

Withdrawal Fee

Processing time

Worldwide*

SWIFT
 (Etana Custody)

15,000 JPY

35 USD
 equivalent in JPY

3-5 business days
 or instant

*Availability for this funding provider may be limited to specific regions, please select purple text under the ‘Withdrawal Method/Processor’ column to view the support article for the provider and find out more details. 

Availability

Withdrawal Deposit method

Withdrawal minimum

Withdrawal fee

Processing time

Withdrawal hold

Argentina only*

Bank transfer 

10,000 ARS

1.5%

Near-instant

None

*Funding methods by account type

  • •

    Pro personal and Business accounts will support SWIFT funding only.

  • •

    Verified accounts will have full access to ARS funding.

Accounts that support ARS will not have any alternative funding methods enabled. If you have questions or require assistance, please contact our support team for further guidance.

Please note: While ARS transfers are typically processed near-instantly, we have no control over the regulatory checks and compliance procedures at banks, which may occasionally extend processing times

AvailabilityWithdrawal methodWithdrawal minimumWithdrawal feeProcessing timeWithdrawal hold

Brazil only

PIX

R$500.50%Near InstantNone
AvailabilityWithdrawal methodWithdrawal minimumWithdrawal feeProcessing timeWithdrawal hold

Mexico only

Bank transfer (SPEI)

150 MXN

0.5%

Near instant

None

Please note: While MXN transfers are typically processed near-instantly, we have no control over the regulatory checks and compliance procedures at banks, which may occasionally extend processing times

Frequently Asked Questions

The payments providers that we work with charge us fees for withdrawals.

Withdrawal limits depend on your verification level.

Intermediary or correspondent banks (banks between our bank and your bank that processes the transaction in transit) may sometimes charge fees or convert the transaction to a different currency en route.

Still need help?

Contact support via the Krak app on your phone.

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