guide

Crypto Trading Fees: Rates, Products and Total Cost

Compare crypto trading fees by product and region, understand maker and taker charges, and calculate trading costs without return forecasts.

Last reviewed: 8 Sept 2026

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What each charge means

Maker commission

A maker execution fills an order that previously rested in the book and provided liquidity. A limit order is a maker only for the portion that rests before execution; a marketable limit order can immediately take liquidity. Maker rates can be lower than or equal to taker rates. An unfilled order has no execution commission, but it also leaves your intended trade unexecuted.

Taker commission

A taker execution matches existing liquidity immediately. Market orders and immediately matched portions of limit orders are taker executions. The applicable rate depends on the product, pair and account tier; choosing a limit price alone does not ensure a lower fee.

Spread and slippage

A broker or instant-buy quote can include a spread as well as a stated charge. An order-book trade also crosses a bid–ask spread when it takes liquidity and can incur slippage. Compare the final asset quantity for the same cash outlay; there is no universal spread percentage shared by all platforms. Kraken card purchases

Costs outside the headline trading rate

Quoted spread and execution price

A low stated commission does not guarantee the best execution price. Compare an executable quote for the same amount at the same time, including any spread or slippage; avoid adding an included spread twice.

Withdrawal and network charges

The exchange's withdrawal quote and the blockchain transaction fee are different measurements. Providers can batch withdrawals or use different charging policies. Do not assume every withdrawal fee is an exchange markup, and do not reuse a fixed Bitcoin amount across networks. Kraken cryptocurrency withdrawal charges

Currency conversion

Your bank, card issuer or payment provider can convert a payment currency and charge for it. Confirm the supported account currency and the provider's quote. The EUR costs in this guide keep their stated denomination; changing a display-currency preference does not change the provider’s charges.

Account and service charges

Check the terms for the exact account and service: subscriptions, custody, financing or inactivity can have separate conditions. No universal twelve-month inactivity fee or standard percentage is assumed for the platforms in this comparison.

Funding over the holding period

Record each actual funding debit or credit, its settlement currency and contract interval. A changing notional or funding rate changes the payment; periodic funding does not by itself imply fixed compound interest. A funding debit may reduce available margin and affect liquidation risk.

Read the comparison with its product limits

The rates below belong to the named products and tiers described above. Bybit's global crypto-pair spot schedule differs from Bybit EU's non-VIP spot schedule, which quotes 0.10% maker and 0.25% taker. A global derivatives fee is not evidence that a European account may use that product. Product eligibility and applicable law must be checked separately. Bybit EU spot fees The applicable total depends on your account, transaction size and payment method; confirm product availability separately from the fee percentage.

Platform	Spot maker	Spot taker	Futures maker	Futures taker	SEPA deposit	Product and tier scope
Kraken Ad	0.40%	0.80%	0.02%	0.05%	Free for listed supported methods	Pro entry tiers; qualifying volume or assets may change the applicable rate.
Bitpanda	Broker premium: see Bitcoin quote above	Broker premium: see Bitcoin quote above	Not compared here	Not compared here	Confirm selected method	Broker Bitcoin quote differs from Fusion order-book pricing.
Bybit	0.10%	0.10%	0.02%	0.055%	Entity and method dependent	Global rates shown; Bybit EU spot uses a separate schedule.
PrimeXBT	Not compared here	Not compared here	0.01%	0.045%	Confirm supported local method	Regular Crypto Futures tier; regional eligibility and contract limits differ.

Illustration: trading cost over twelve months

This illustration buys €1,000.00 of assets before fees each month for 12 months. Trading fees are paid separately on top of that amount. Annual traded notional is €12,000.00; total cash outlay is that notional plus the calculated fee. The five percentages are illustrative rates, not all-inclusive quotes for a named provider. Spread, slippage, funding, deposits, withdrawals, tax and asset-price changes are excluded. Monetary results are rounded to cents. No portfolio return or compounding is calculated.

Illustrative rate	Annual traded notional	Fees paid separately	Total cash outlay
0.075%	€12,000.00	€9.00	€12,009.00
0.10%	€12,000.00	€12.00	€12,012.00
0.80%	€12,000.00	€96.00	€12,096.00
0.99%	€12,000.00	€118.80	€12,118.80
2.00%	€12,000.00	€240.00	€12,240.00

Compare before opening an account

The total is not just the trading percentage: funding, currency conversion, spread, slippage, execution fees and withdrawal charges can all matter. Compare the amount of the same asset you would receive for the same cash budget at approximately the same time. Separate a simple quoted purchase from an order-book trade; comparing different interfaces can make one exchange appear cheaper without being a like-for-like test.

Frequently Asked Questions

Does a limit order always pay a maker fee?

No. A limit order that immediately matches resting orders is a taker execution for that portion. A portion that rests in the order book and later executes can be a maker execution. Maker fees can equal taker fees at some tiers. Check the actual fills and applicable schedule.

Are crypto trading fees tax-deductible?

Treatment depends on your tax jurisdiction, activity, asset and transaction. Acquisition expenses, sale expenses, business expenses and funding payments can be treated differently. Retain dated records of trades, fees and currencies, and consult the current local tax rules or a qualified adviser. The guide does not establish one deduction rule for the EU. German BMF crypto tax guidance, 6 March2025

How can I reduce trading costs?

Compare your actual execution quote and funding method, use the account tier you already qualify for, and check whether a discount saves more than it costs. Do not assume a limit order is automatically a maker, or increase turnover or hold a risky exchange token solely to obtain a lower advertised rate.

What costs can sit outside the stated trading fee?

The spread, slippage, payment processing, currency conversion, funding, liquidation-related charges and withdrawals can affect total cost. Some charges are already included in a quoted price, so avoid double-counting them. Their amount depends on the specific service and transaction; there is no universal hidden-fee percentage.

Are futures fees cheaper than spot fees?

A lower execution-rate percentage does not necessarily mean a lower total cost. Futures commission applies to executed notional, and both entry and exit can incur it. Funding may be payable or receivable at the contract's current intervals; liquidation-related charges may also apply. Leverage increases notional relative to initial margin.

How do Kraken's cross-platform fee tiers work?

Kraken's July 2026 structure can qualify an account using spot volume, futures volume or assets held on the platform, according to the relevant tier table. Spot Tier 1 is 0.40% maker and 0.80% taker. Assets are assessed at the applicable current valuation, not as a promise of a permanent tier. Consult the detailed thresholds for the exact product; the instant-buy app and special pairs have separate pricing. Kraken cross-platform tiers

Do global fee tables establish availability in Europe?

No. The contracting entity, country, client classification and product determine access. A stablecoin's status under MiCA does not by itself authorize leveraged derivatives, and MiCA excludes crypto-assets that qualify as financial instruments from its scope. Verify the exact provider and instrument through current official information. ESMA MiCA Article2

Derivatives & Leveraged Products — Important Risk Warning

Derivatives and leveraged products are complex and carry a high risk of rapid, substantial losses. Depending on the product and account rules, losses can exceed the initial margin or money committed. A stand-alone purchased option can lose its entire premium plus transaction costs; writing options, exercising into another position, or combining positions can create additional obligations. An uncovered call writer can face unlimited loss. Applicable legal protections can affect the loss boundary.

You should carefully consider whether you understand how derivatives work and whether you can afford to take the high risk of losing your money. This content is for educational purposes only and does not constitute financial advice, investment advice, or a recommendation to trade derivatives.

Legal availability and regulatory protections depend on the product, service, provider and jurisdiction. In the EU, check the applicable investment-services rules, including MiFID II where relevant, and any product restrictions. Before trading, verify with the relevant regulator whether the provider has the permissions required for the service and whether the product may be offered to you. A website being accessible, or a product appearing on this website, does not establish authorization or eligibility.

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