Compare the best crypto exchanges in Poland for 2026: MiCA licences, SEPA deposits and withdrawals, fees, coins, futures and each exchange's main catch.
The Poland column is checked live against each exchange's restricted-country list.
The best crypto exchanges in Poland
Phemex is our top pick for active traders in Poland who want the widest choice of coins and cheap futures, as long as they accept that it holds no MiCA licence. For everyone else, the licence comes first. After that, compare how you move euros in and out, what each trade costs, and which coins and products you can use.
MiCA is the EU’s crypto licence. A licensed exchange is supervised by a regulator in its home country and must follow MiCA’s investor protection rules, and a licence from any EU country covers customers in Poland. All but Phemex hold one. Most take euro deposits by SEPA, and they differ mainly in fees and product range.
Phemex offers the biggest selection here: 1,027 coins on spot, futures on 816 coins and up to 100x leverage. It also lists tokenized stocks, ETFs and commodities, so an active trader can cover a lot from one account.
The catch for Poland is that Phemex holds no MiCA licence. No EU regulator supervises the company holding your money, and MiCA's investor protections don't apply. You can deposit euros by SEPA, card, Apple Pay or Google Pay, but withdrawals only go out by bank transfer or crypto, so you can't send money back to a card.
Spot trades cost 0.1% for makers and takers, and futures cost 0.01% for limit orders and 0.06% for market orders; new users must verify their ID. Phemex launched in 2019, is based in Singapore and is run by co-founder and CEO Jack Tao. In January 2025 hackers drained coins from its hot wallets, so move long-term holdings to your own wallet rather than leaving them on the exchange.
Key points
Phemex holds no MiCA licence, so your account sits outside EU supervision.
You get 1,027 spot coins, futures up to 100x leverage, copy trading and bots.
Deposits work by SEPA, card, Apple Pay and Google Pay, but withdrawals go out only by bank transfer or crypto.
Kraken combines a MiCA licence from the Central Bank of Ireland, held by Payward Europe Solutions Limited, with a full trading menu for customers in Poland. You can trade 679 coins on spot, plus futures through a CySEC-licensed company at up to 10x leverage.
Moving money is easy: SEPA, cards, PayPal, Apple Pay and Google Pay all work for deposits, and SEPA, PayPal and card withdrawals get it back out. USDT and eight other stablecoins can't be traded in the EEA, so USDT pairs aren't available to you.
EU customers pay 0.4% for makers and 0.8% for takers on spot, while futures cost 0.02% and 0.05%; ID verification is required. Co-founded by Jesse Powell in 2011, Kraken is based in San Francisco, USA and led by CEO David Ripley. Its standard spot fees run higher than most rivals here, so frequent spot buyers pay noticeably more per trade.
Key points
Kraken holds a MiCA licence from the Central Bank of Ireland through Payward Europe Solutions Limited.
From Poland you can trade 679 spot coins and futures at up to 10x leverage, but not USDT.
SEPA, PayPal and card work for both deposits and withdrawals.
For customers in Poland, Coinbase operates under a MiCA licence issued by Luxembourg's CSSF to Coinbase Luxembourg S.A. EU customers also pay less than the global spot rate, with maker orders at 0.25% and taker orders at 0.5%. That narrows the gap with cheaper rivals if you buy regularly.
The spot market covers 402 coins, and futures come through a CySEC-licensed company with leverage reaching 10x and a fee of 0.05% for makers and takers. USDT and other non-MiCA stablecoins aren't offered and USDC rewards are switched off, so idle stablecoins earn nothing.
You can deposit by SEPA, card, PayPal or crypto and withdraw by SEPA, bank transfer or SWIFT once your ID is verified. Co-founded in 2012 by Brian Armstrong, who is still its CEO, Coinbase operates without a central headquarters. Thousands of customer accounts were compromised in 2021, so switch on two-factor authentication and address whitelisting before funding yours.
Key points
Coinbase holds a MiCA licence from Luxembourg's CSSF through Coinbase Luxembourg S.A.
EU customers can trade 402 spot coins and futures up to 10x leverage, without USDT.
You can deposit by SEPA, card or PayPal and withdraw by SEPA or SWIFT.
Bitvavo is built for Europeans who want to trade crypto directly against the euro, and most of its 427 coins are quoted in EUR. It holds a MiCA licence from the Dutch AFM through Bitvavo B.V., and SEPA deposits are free, so funding costs you nothing on Bitvavo's side.
A maker order on spot costs 0.15% and a taker order 0.25%, less than Kraken, Coinbase, Bitstamp or Bitpanda charge. There are no futures or margin, so it suits buying and holding rather than leveraged trading. Staking and lending pay out weekly.
Cards, PayPal, Apple Pay, iDEAL, Bancontact and EPS also work for deposits, withdrawals go out by SEPA or crypto, and every account has to pass an identity check. Bitvavo dates from 2018, has its headquarters in Amsterdam, and co-founder Mark Nuvelstijn serves as CEO. Withdrawals are capped at €25,000 a day, so cashing out a large sum can take several days.
Key points
Bitvavo holds a MiCA licence from the Dutch AFM through Bitvavo B.V.
It offers 427 spot coins, mostly paired with the euro, but no futures or margin.
SEPA deposits are free, and you can withdraw by SEPA or crypto.
Investors who want crypto, stocks, ETFs and metals in one app get exactly that at Bitpanda, with 575 coins alongside 7,758 stock tokens and 2,638 ETFs. It holds a MiCA licence from Austria's FMA through Bitpanda GmbH, so a mixed long-term portfolio stays with one EU-supervised company.
The trade-off is cost: the standard app charges 1.49% on buys and sells, far above Kraken, Coinbase or Bitvavo, so small regular purchases lose a real slice. Active traders can switch to Bitpanda Fusion, its advanced interface, where fees start at 0.25% and fall with volume. There are no futures.
You can fund by SEPA, bank transfer, card, Skrill, Neteller, Klarna or iDEAL and cash out by bank transfer or crypto after verifying your ID. Christian Trummer co-founded Bitpanda in 2014; the company has its headquarters in Vienna, with Eric Demuth as CEO. It publishes no proof of reserves, so you have no independent way to confirm customer holdings are fully backed.
Key points
Bitpanda holds a MiCA licence from Austria's FMA through Bitpanda GmbH.
Besides 575 coins you can buy stock tokens, ETFs and metals, but not futures.
SEPA, card, Klarna and Skrill deposits are supported, while standard trades cost 1.49% each way.
Spain's CNMV licences Bit2Me under MiCA through Bitcoinforme S.L., which gives customers in Poland an EU-supervised account for buying and holding crypto. Bit2Me lists 192 coins for spot trading and keeps assets in cold storage.
That range is narrower than at most rivals here, and there are no futures, so Bit2Me fits simple buying rather than active or leveraged trading. It also issues a debit card, which lets you spend your balance directly, and has its own B2M token.
You need to verify your ID before trading. Bit2Me launched in 2014 with headquarters in Elche, Spain; Leif Ferreira and Andrei Manuel founded it, and Leif Ferreira now shares the CEO role with Koh Onozawa Martinez. Without proof of reserves, you have to take on trust that your deposits are fully covered.
Key points
Bit2Me holds a MiCA licence from Spain's CNMV through Bitcoinforme S.L.
You can trade 192 coins on spot, with no futures.
Assets sit in cold storage, but there is no proof of reserves to confirm deposits are backed.
Few exchanges have run as long as Bitstamp, and it pairs that history with a MiCA licence from Luxembourg's CSSF, held by Bitstamp Europe S.A. EU customers also get 20 perpetual futures markets, offered by a Slovenian company holding a MiFID licence, with leverage reaching 10x, so you can hedge without leaving a regulated setup.
SEPA deposits are free and SEPA withdrawals cost €3, while card, PayPal, Apple Pay and Google Pay work in both directions. The spot list is short at 118 coins, and USDT, DAI, PYUSD and WBTC can't be traded, so altcoin hunters will find less here.
Spot orders cost 0.3% when you add liquidity to the order book and 0.4% when you take it, and you need to verify your ID. Co-founded in 2011 by Nejc Kodrič and based in Luxembourg, Bitstamp is led by CEO Jean-Baptiste Graftieau and has been owned by Robinhood since June 2025. It publishes no proof of reserves, which leaves you unable to verify that client assets match what the exchange holds.
Key points
Bitstamp holds a MiCA licence from Luxembourg's CSSF through Bitstamp Europe S.A.
EU customers can trade 118 spot coins and perpetual futures up to 10x leverage.
SEPA deposits are free, while SEPA withdrawals cost €3.
What we like
MiCA licence from Luxembourg's CSSF
Free SEPA deposits
Card, PayPal and Apple Pay in both directions
Perpetual futures for EU customers
Long operating history
What holds it back
Smallest coin list here at 118 coins
Spot fees of 0.3% and 0.4% for small traders
No proof of reserves
How we ranked these exchanges
Our editorial team selected, tested and ranked the best crypto exchanges for traders in Poland. We picked exchanges that accept users in Poland and ordered them on the whole package, not a scoring formula. The order is our editorial judgment of that package, while the CWR Score on each card rates that exchange on its own, so an exchange placed lower can have a higher score.
EU licensing: whether the exchange holds a MiCA licence and which regulator supervises it
Euro funding: how you deposit and withdraw euros, including SEPA
Trading fees: spot and futures costs for makers and takers
What you can trade: coins, futures and other products available from Poland
Security record: past hacks, proof of reserves and account protection
Is crypto trading legal in Poland?
Yes. Buying, holding and trading crypto is legal in Poland. Before MiCA, crypto firms serving Poland registered with the Tax Administration Chamber in Katowice. Now a MiCA licence from any EU country lets an exchange serve customers in Poland under EU supervision. Exchanges without a MiCA licence are not supervised by an EU regulator, and MiCA’s investor protections don’t apply to your account there.
How is crypto taxed in Poland?
In Poland, profit from selling crypto for money, or using it to pay for goods and services, is taxed at a flat 19%. Swapping one cryptocurrency for another isn’t taxed, and there’s no tax-free amount or holding-period exemption.
You can deduct what you paid for the crypto and exchange fees. If your costs are higher than your sales in a year, the difference carries over to the next year, but it can’t be set against gains on shares. Crypto profits go on the annual PIT-38 return, filed between 15 February and 30 April of the following year. Under the EU’s DAC8 rules, crypto providers record their customers’ transactions from 2026 and report them to tax authorities, with the first reports due in 2027.
This is a general overview, not tax advice. Tax rules change and depend on your situation, so check with the National Revenue Administration (KAS) or a tax adviser before you file.
Buying Bitcoin or Ethereum in Poland takes only a few steps once you know which exchange you want.
Pick a MiCA-licensed exchange. A MiCA licence from any EU country covers Poland, so Kraken, Coinbase, Bitvavo, Bitpanda, Bit2Me and Bitstamp can all serve you under EU supervision.
Open an account and verify your ID. Sign up with your email, then upload an ID document and complete any selfie check the exchange asks for.
Deposit euros. A SEPA transfer is the usual route and is free at Bitvavo and Bitstamp. Kraken, Coinbase and Bitstamp also take PayPal, and most exchanges here accept cards.
Buy your coins. Open the spot market and buy Bitcoin, Ethereum or another coin such as Solana or XRP. A limit order usually gets you the lower maker fee.
Store and record. Move long-term holdings to a wallet you control, and keep a record of every trade, deposit and withdrawal for your Polish tax return.
Bottom line
Phemex offers the most coins and cheap futures for active traders, but it has no MiCA licence, so your money sits with a company no EU regulator supervises. If you want EU oversight, Kraken gives you a broad spot and futures menu under Irish supervision, Coinbase suits beginners who prefer a simple app, and Bitvavo is the low-cost choice for buying and holding with free SEPA deposits. Bitpanda makes sense if you also want stocks and ETFs and accept higher fees. Bit2Me and Bitstamp are smaller licensed options for straightforward spot buying.
Questions
Frequently asked
Yes. Buying, holding and trading crypto is legal in Poland. The EU's MiCA licence lets an exchange licensed in any EU country serve customers in Poland under the supervision of its home regulator. Kraken, Coinbase, Bitvavo, Bitpanda, Bit2Me and Bitstamp all hold that licence.
Phemex charges the least on spot trades. Among the MiCA-licensed exchanges, Bitvavo is cheaper on spot than Kraken, Coinbase, Bitstamp or Bitpanda. Bitpanda's standard app is the most expensive, though its Fusion interface costs less for active traders.
No EU regulator supervises the company holding your money at Phemex, and MiCA's investor protections don't apply. You get more coins and lower fees, but if something goes wrong you have less recourse than at a licensed exchange.
Yes. Kraken, Coinbase and Bitstamp offer futures to EU customers through separately licensed EU companies. Leverage is capped lower than on their global platforms. Bitvavo, Bitpanda and Bit2Me offer no futures.
Most exchanges here take euros by SEPA bank transfer, and Bitvavo and Bitstamp charge nothing for SEPA deposits. Cards work on most of them, Kraken, Coinbase and Bitstamp accept PayPal, and Bitpanda also takes Klarna, Skrill and Neteller.
Not on Kraken, Coinbase or Bitstamp. They block USDT and other stablecoins that don't meet MiCA rules for EU customers. If you rely on USDT pairs, check this before you open an account.
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Accepts clients from Poland
