Best Crypto Exchanges in Poland (2026)

Poland is the only EU country with no national crypto regulator, so every legal crypto exchange serving Poles holds a MiCA licence from another member state.

President Karol Nawrocki vetoed the bill naming the Polish Financial Supervision Authority (KNF) as supervisor three times, and the Sejm failed to override him each time.

When MiCA's transition ended on 1 July 2026, firms on Poland's old register lost the right to operate and Binance stopped taking Polish users. Zondacrypto, once Poland's best-known exchange, went bankrupt in August.

Kraken, Bybit EU, OKX, Coinbase, Bitpanda, Revolut and Crypto.com all serve Poland under MiCA passports, and five of them accept złoty through BLIK, PLN order books or a złoty balance.

We checked every licence against the ESMA register of crypto-asset service providers on 27 October 2026, compared złoty deposits and spot fees, and weighed the results against our exchange rankings.

This guide to the best crypto exchanges in Poland puts spot trading first and treats regulated futures as a bonus. It is not tax or legal advice.

Top 7 Crypto Exchanges in Poland

Exchange	Licence covering Poland	Spot maker / taker	Złoty (PLN) support	Regulated futures	Polish website	Key nuance
Kraken	MiCA (Central Bank of Ireland), MiFID (CySEC)	0.40% / 0.80%	No, euros by free SEPA Instant	Yes	Yes	Spot, futures and stocks in one account
Bybit EU	MiCA (Austria's FMA)	0.25% / 0.25%	BLIK deposits, four PLN pairs	No, MiFID licence pending	Yes	Top Coinperps global ranking
OKX	MiCA (Malta's MFSA), MiFID	0.10% / 0.20% (0.08% / 0.10% with derivatives account)	Three PLN pairs, BLIK through ZEN	Yes (X-Perps)	Yes	Lowest spot fees here
Coinbase	MiCA (Luxembourg's CSSF), MiFID (CySEC)	0.25% / 0.50%	BLIK for purchases only	Yes, Poland not confirmed	Yes	Listed on the S&P 500
Bitpanda	MiCA (Austria's FMA)	0.99% to 2.49% per trade	PLN wallet, 45 zł minimum	No	Yes	Crypto, stocks and ETFs in one app
Revolut	MiCA (CySEC)	0% / 0.09% on Revolut X	PLN account with a Polish IBAN	No	Yes	5.2 million Polish customers
Crypto.com	MiCA (Malta's MFSA)	0.25% / 0.50%	No, euros only	No	Yes	More than 400 coins

1. Kraken

Best forSpot, futures and stocks in one accountReviewVisit Kraken

Licence covering Poland

MiCA (Central Bank of Ireland), MiFID (CySEC)

Spot maker / taker

0.40% / 0.80%

Złoty (PLN) support

No, euros by free SEPA Instant

Regulated futures

Yes

Polish website

Yes

Kraken is the best crypto exchange in Poland because it pairs a MiCA licence for spot trading with regulated EU futures, free euro deposits and more than 600 crypto pairs on a Polish-language website.

Polish customers contract with Payward Europe Solutions Limited, which the Central Bank of Ireland authorised as a crypto-asset service provider (CASP) on 25 June 2025. The ESMA register lists Poland among the countries it serves, and Kraken runs a Polish website and help centre.

Derivatives come from Payward Europe Digital Solutions (CY) Limited, which holds CySEC licence 342/17. Its EEA eligibility rules require an appropriateness questionnaire and a tax number and exclude no EEA country.

Kraken has no złoty balance or PLN pairs, so Poles fund it in euros. SEPA and SEPA Instant deposits are free, with a €1 minimum, while debit cards cost €0.25 plus 3.75%. Kraken Pro charges makers 0.40% and takers 0.80% at the lowest tier, under the cross-platform tiers introduced on 9 July 2026.

Kraken's proof of reserves for 30 June 2026 shows 102.9% Bitcoin backing. Our Kraken restricted countries guide covers regional access, or open an account through Kraken.

2. Bybit EU

Best forTop Coinperps global rankingReviewVisit Bybit

Licence covering Poland

MiCA (Austria's FMA)

Spot maker / taker

0.25% / 0.25%

Złoty (PLN) support

BLIK deposits, four PLN pairs

Regulated futures

No, MiFID licence pending

Polish website

Yes

Bybit tops our global exchange rankings, and its Vienna-based arm, Bybit EU GmbH, is the licensed exchange with the deepest złoty support in Poland.

Austria's FMA authorised Bybit EU under MiCA on 28 May 2025, and the ESMA register lists Poland in its passport. Its Polish website covers trading too.

Poles can top up złoty with a BLIK code, and Bybit EU charges no deposit fee for fiat. The platform's API lists four złoty order books, BTC/PLN, ETH/PLN, SOL/PLN and USDC/PLN, so a Pole can buy Bitcoin without touching euros.

Spot trading costs a flat 0.25% for makers and takers below €100,000 of monthly volume. The EU platform lists about 108 coins but no perpetual futures until its MiFID II licence, applied for in September 2025, is granted.

Bybit's proof of reserves for 23 September 2026 shows 104% Bitcoin backing across the group. It lost about $1.5 billion in ETH to a North Korean hack in February 2025 and covered client losses in full. Compare it in our Bybit vs Kraken guide, or sign up through Bybit.

3. OKX

Best forLowest spot fees hereReviewVisit OKX

Licence covering Poland

MiCA (Malta's MFSA), MiFID

Spot maker / taker

0.10% / 0.20% (0.08% / 0.10% with derivatives account)

Złoty (PLN) support

Three PLN pairs, BLIK through ZEN

Regulated futures

Yes (X-Perps)

Polish website

Yes

OKX has the lowest spot fees of any licensed exchange in Poland, plus złoty pairs and regulated perpetual-style futures in one EU account.

OKX Europe Limited holds a MiCA licence from the Malta Financial Services Authority (MFSA), granted on 27 January 2025, and passports it into Poland under the OKX Europa name.

The Polish fee page charges 0.10% maker and 0.20% taker on a spot account, or 0.08% and 0.10% with a combined spot and derivatives account. OKX lists BTC/PLN, ETH/PLN and USDC/PLN order books, and since June 2026 ZEN.COM customers in Poland can fund OKX directly, including by BLIK.

X-Perps, launched on 15 April 2026, are five-year futures with a funding rate, issued under MiFID II by OKX Europe Markets Limited. OKX supports all 30 EEA countries but warns that access may open at different times, after an appropriateness test.

OKX's proof of reserves dated 3 October 2026 shows 110% Bitcoin backing. In February 2025 its parent pleaded guilty in the US to unlicensed money transmission and agreed to pay about $505 million. See our OKX vs Kraken comparison, or open an account through OKX.

4. Coinbase

Best forListed on the S&P 500ReviewVisit Coinbase Futures

Licence covering Poland

MiCA (Luxembourg's CSSF), MiFID (CySEC)

Spot maker / taker

0.25% / 0.50%

Złoty (PLN) support

BLIK for purchases only

Regulated futures

Yes, Poland not confirmed

Polish website

Yes

Coinbase is the only exchange here in the S&P 500, and it accepts BLIK for złoty purchases from a Polish bank account.

Polish customers moved to Coinbase Luxembourg S.A., authorised under MiCA by Luxembourg's CSSF, on 22 September 2025. Its EU payment table allows BLIK for purchases in Poland but not for sales or withdrawals, so there is no złoty balance and sales cash out in euros.

Advanced trading charges 0.25% maker and 0.50% taker at the EU entry tier after a fee cut on 16 September, while the simple app charges more through a spread. On 9 March 2026 Coinbase launched regulated futures in 26 European countries through a CySEC-licensed firm, without saying whether Poland is included.

A May 2025 data breach exposed customers' personal details, and the Central Bank of Ireland fined Coinbase Europe €21.46 million in November 2025 for transaction monitoring failures. Open an account through Coinbase.

5. Bitpanda

Best forCrypto, stocks and ETFs in one app

Licence covering Poland

MiCA (Austria's FMA)

Spot maker / taker

0.99% to 2.49% per trade

Złoty (PLN) support

PLN wallet, 45 zł minimum

Regulated futures

No

Polish website

Yes

Bitpanda suits investors who want a złoty wallet and crypto, stocks, ETFs and metals in one app.

Polish customers contract with Bitpanda GmbH, which Austria's FMA authorised under MiCA on 9 April 2025. Bitpanda accepts deposits in PLN and nine other currencies, with a minimum deposit of 45 zł and a minimum trade of 5 zł.

The app builds a premium into the price, 0.99% on Bitcoin and up to 2.49% on other assets, so a 1,000 zł Bitcoin purchase costs about 9.90 zł. Bitpanda Fusion, its order-book platform, charges 0.25%.

Bitpanda offers long-only margin trading at up to 10x on more than 100 assets after an appropriateness test, but no perpetual futures. In August the FMA fined Bitpanda GmbH €70,000 for MiCA breaches in its marketing.

6. Revolut

Best for5.2 million Polish customers

Licence covering Poland

MiCA (CySEC)

Spot maker / taker

0% / 0.09% on Revolut X

Złoty (PLN) support

PLN account with a Polish IBAN

Regulated futures

No

Polish website

Yes

Revolut is the easiest start for the millions of Poles who already bank with it, since crypto buys come straight from a złoty balance.

Revolut had 5.2 million customers in Poland by June 2026, more than mBank or Millennium. Its crypto arm, Revolut Digital Assets (Europe) Ltd, received a CySEC MiCA licence on 20 October 2025 and added Poland to its passport in May 2026.

The main app costs more, and its Polish fee schedule sets 1.49% for Standard and Plus plans and 0.99% for Premium and Metal, plus a spread that typically runs from 0% to 3%. Revolut X offers more than 300 tokens at 0% maker and 0.09% taker from the same balance.

Revolut Bank UAB won KNF clearance for a Polish branch, though its crypto service stays with the Cyprus entity, which offers no crypto futures.

7. Crypto.com

Best forMore than 400 coinsReviewVisit Crypto.com

Licence covering Poland

MiCA (Malta's MFSA)

Spot maker / taker

0.25% / 0.50%

Złoty (PLN) support

No, euros only

Regulated futures

No

Polish website

Yes

Crypto.com has the widest coin choice of any licensed exchange here, with more than 400 crypto-assets and a Polish website.

Foris DAX MT Limited holds a MiCA licence from Malta's MFSA, granted on 27 January 2025, and passports it into Poland. Trading runs in euros, so Poles convert złoty first.

The exchange charges 0.25% maker and 0.50% taker at Level 1, falling to 0.08% / 0.18% above $500,000 a month. SEPA deposits are free, with a €1 minimum, and euro withdrawals carry no fee but an €80 minimum.

Its derivatives restriction list covers the EEA, so Polish users cannot trade crypto futures there. The latest proof of reserves on its EEA site dates from December 2022. Sign up through Crypto.com.

How We Ranked These Exchanges

We ranked exchanges first on whether they hold a MiCA licence that covers Poland, then on złoty funding, local costs, Polish-language support and platform strength, following our ranking methodology.

Licences came from the ESMA register, downloaded on 27 October 2026, and fees from each exchange's published schedule. An exchange without a valid MiCA licence could not make the list, whatever its global score, which ruled out Binance and the bankrupt Zondacrypto.

Among licensed venues, our exchange rankings of liquidity, fees, regulation and features set the order. Kraken takes first place on its licences, regulated futures and free euro deposits, even without złoty. Bybit EU ranks second for the strongest złoty support, and OKX third for the lowest fees.

Złoty access counted for more than in our euro-area guides, because converting złoty to euros at a bank adds a cost to every deposit. Futures counted only as a tiebreaker.

Kanga's Latvian platform offers only custody so far, XTB sells no spot crypto to Polish clients yet, Bitvavo has no Polish site and WhiteBIT EU has not launched, so none made the list.

Is Crypto Legal in Poland?

Buying, holding and selling crypto is legal in Poland, but no Polish authority grants exchange licences, so Poles can legally use only platforms authorised under MiCA in another EU state.

Three Vetoes and No Regulator

The government's bill on the crypto-asset market (ustawa o rynku kryptoaktywów) would have made the KNF the supervisor under MiCA. The Sejm passed it three times, and President Nawrocki vetoed it on 1 December 2025, 12 February 2026 and 11 June 2026.

Each override vote failed, and the last, on 4 September 2026, drew 241 votes when 266 were needed. Nawrocki said the first bill threatened "the freedoms of Poles", objecting to its website-blocking powers, its length and its supervisory fees of up to 0.4% of revenue.

The KNF has stated that no Polish authority has been designated to supervise crypto service providers and that it covers only issuers of e-money tokens. The ESMA register shows no crypto firm with Poland as its home state.

The End of the MiCA Transition

MiCA let existing firms keep operating until 1 July 2026 at the latest. After that date, the Katowice tax chamber says, an entry in Poland's old virtual currency register "does not authorise" crypto services in Poland or abroad.

The register, kept under the anti-money laundering act of 1 March 2018, closed to new entries on 30 December 2024 with 1,841 firms and now survives only as an archive dated 2 July 2026.

The ESMA register lists 185 providers licensed elsewhere in the EU that serve Poland after notifying their home regulator, including every exchange in our ranking.

How to Check an Exchange's Licence

Search the ESMA register for the company named in the exchange's terms and confirm that Poland (PL) appears in its list of countries. Brands differ from legal names, so Kraken shows up as Payward Europe Solutions Limited and Kanga as SIA AlphaRoute.

Then check the KNF's public warnings list, which held 667 entries in October 2026. The KNF notes that a name missing from the list does not prove a firm is safe.

What Comes Next

The government said on 29 September that a fourth, stricter bill would reach the cabinet in October, adding monitoring of crypto transfers by the security services. The President's office announced a rival bill on 8 September. Neither had reached parliament by 27 October.

Demand has survived the stalemate, and a CBOS survey from May 2026 found that 6% of adult Poles own crypto and 12% have owned it.

What Happened to Polish Crypto Exchanges

Poland's home-grown exchanges either moved abroad or failed, so a Polish brand is no longer a sign of a Polish licence.

The Collapse of Zondacrypto

Zondacrypto, formerly BitBay and once Poland's best-known exchange, stopped processing withdrawals in April 2026. Its chief executive said it had no access to a cold wallet of about 4,500 BTC controlled by founder Sylwester Suszek, who disappeared in 2022.

Katowice prosecutors opened a fraud and money laundering investigation on 17 April 2026, citing losses of at least 350 million zł. Estonia's financial intelligence unit revoked the operator's licence on 29 June, and a Tallinn court declared BB Trade Estonia OÜ bankrupt on 27 August.

The trustee found debts of at least €431.9 million. Creditors had until 27 October 2026 to file claims in Estonia, and Polish prosecutors warned that joining the criminal case does not replace a claim with the trustee.

Zondacrypto sponsored the Polish Olympic Committee and several football clubs but never held a MiCA licence, and its Estonian regulator said it had no mandate to supervise client assets.

Kanga Moves to Latvia

Kanga, a Polish exchange, won a MiCA licence from the Bank of Latvia on 18 June 2026 through SIA AlphaRoute, passported to Poland and nine other countries. Its EU platform so far offers account opening and custody, with złoty and euro spot markets listed as coming next.

The older kanga.exchange site, now branded Kanga Global, sits outside the MiCA licence and still advertises futures. Moving to the licensed platform needs a new account and fresh identity checks.

Binance Pulls Back

Binance failed to secure a MiCA licence before the deadline. From 1 July 2026 it stopped taking new Polish users, cancelled open spot orders and closed Earn products, after ending P2P trading on 30 June.

Existing customers can still withdraw crypto and fiat, and our Binance restricted countries guide tracks its other markets.

XTB, Poland's largest listed broker, holds a Cypriot MiCA licence but sells Polish clients only crypto CFDs for now. Egera, formerly BitClude, was struck off the Polish register and its website no longer loads.

How to Buy Crypto With Złoty in Poland

The cheapest way to buy crypto in Poland is to fund a licensed exchange in złoty by BLIK and buy on a PLN order book, which avoids paying a currency conversion twice.

1. Pick an exchange from the ESMA register with Poland in its passport, and verify your identity with a Polish ID card or passport.
2. Choose how to pay. Bybit EU takes BLIK deposits with no Bybit fee, Coinbase accepts BLIK for purchases, Bitpanda holds a złoty wallet and Revolut buys from your PLN balance.
3. Buy on a złoty order book where one exists. Bybit EU lists BTC/PLN, ETH/PLN, SOL/PLN and USDC/PLN, and OKX lists BTC/PLN, ETH/PLN and USDC/PLN.
4. Convert złoty to euros at a good rate if you choose Kraken or Crypto.com, then send a free SEPA transfer, since a bank's exchange margin adds to the cost.
5. Use limit orders. A limit order on a PLN market costs 0.10% to 0.25%, while app purchases at Bitpanda and Revolut cost 0.99% to 1.49% before spreads.
6. Keep every statement, since buying alone triggers a PIT-38 filing.

BLIK has nearly 20 million users in Poland, and Bybit EU, Coinbase and OKX's partner ZEN.COM all accept it.

Brokerage investors can buy Beta ETF Bitcoin (ETFBTCPL) on the Warsaw Stock Exchange, listed since 16 September 2025. It holds CME bitcoin futures, charges a 1.2% total expense ratio and can sit inside IKE and IKZE retirement accounts. Our Bitcoin ETF tracker follows the US spot funds.

Crypto Futures and Leverage Rules in Poland

Polish residents can trade crypto futures legally only through a firm with an EU investment licence under MiFID II, and retail leverage on crypto contracts for difference (CFDs) is capped at 2:1.

Article 2(4) of MiCA confirms that a crypto licence alone cannot cover derivatives, so Bybit EU, Bitpanda and Revolut offer Poles no perpetual futures. In February 2026 ESMA warned that perpetual futures are likely CFDs under EU rules, whatever their commercial name.

The KNF has applied ESMA's retail CFD restrictions since 1 August 2019. Its higher-leverage tier for experienced clients covers currencies, indices and gold only, so crypto stays at 2:1 with negative balance protection.

Kraken offers EEA futures through its CySEC-licensed arm, and OKX sells X-Perps through OKX Europe Markets in Malta. Coinbase's European futures cover 26 countries without naming Poland. XTB, licensed by the KNF, offers crypto CFDs from a złoty account.

Offshore exchanges advertising 100x leverage to Poles hold no EU licence. Our guide to perpetual futures regulation and European futures platform ranking go deeper.

Crypto Taxes in Poland

Poles pay a flat 19% income tax on crypto profits when they sell for złoty or spend coins, while swaps between cryptocurrencies are not taxed.

The 19% Rate

Article 30b(1a) of the Personal Income Tax Act taxes income from the paid disposal of virtual currency at 19%. Income is the sale proceeds minus documented purchase costs and exchange fees, and it is ring-fenced, so crypto costs cannot offset gains on shares.

A disposal means swapping crypto for money, goods, services or property rights, or paying a debt in crypto. Trading Bitcoin for Ether or USDC is not a disposal, so tax falls due only when you leave crypto.

Gains above 1 million zł a year also attract the 4% solidarity levy, which counts crypto with other capital income.

Costs Carry Forward Without a Time Limit

Purchase costs not used against sales in one year roll into the next with no expiry, unlike the five-year loss rule for shares.

Suppose you buy 20,000 zł of Bitcoin in 2025 and sell nothing. You still file PIT-38 to record the cost. If you sell half for 14,000 zł in 2026, the full 20,000 zł cost exceeds the proceeds, so you owe nothing and carry 6,000 zł forward.

Filing PIT-38

Crypto income goes on the PIT-38 return, filed between 15 February and 30 April of the following year. The act requires the return even in a year with purchases only.

A tax adviser citing ministry data told Bankier that about 20,000 people a year report crypto, against an estimated 2.5 million holders.

DAC8 Reporting Rules

Poland transposed the EU's DAC8 directive by an act in force since 18 March 2026. Crypto providers must report each user's transactions for 2026 to the National Revenue Administration by 30 June 2027.

Exchanges must ask existing customers for a tax self-certification by 31 October 2026, so expect a request for your Polish tax number.

Risks and Scams to Watch

Fraud is the biggest crypto risk for Poles, and with no national regulator, victims have few places to turn beyond the police.

Fake Investment Platforms

A National Prosecutor's Office report counted 16,027 crypto-related cases between 2019 and 2025, with 57,515 victims and losses of 2.32 billion zł. Annual losses rose from 30 million zł in 2019 to 900 million zł in 2025.

CERT Orange Polska found that fake investment sites made up nearly 70% of the phishing it blocked in 2025. Many use deepfake adverts of public figures.

Recovery Scams After Zondacrypto

Paid services promising to recover lost money now target Zondacrypto's former customers. The Katowice tax chamber has also warned of fraudsters posing as the financial intelligence unit, GIIF. Claims go only to the Estonian trustee, free of charge.

No Compensation for Crypto

Poland's investor compensation scheme, run by the KDPW, covers brokerage clients up to €20,100 but excludes crypto-assets. MiCA requires segregation of client assets but provides no insurance if an exchange fails.

Keep only trading balances on an exchange and move savings to a hardware wallet. Since the EU Transfer of Funds Regulation took effect, exchanges must check that you own a self-hosted wallet before sending it more than €1,000.

Bottom Line

Kraken is the best crypto exchange in Poland, pairing a MiCA licence with regulated futures, a Polish website and free euro deposits. Bybit EU is the best choice for złoty, with BLIK deposits and four PLN order books, and OKX has the lowest spot fees.

Until Poland passes its own law, check the ESMA register before you deposit, and treat any exchange missing from it as unlicensed. Our list of MiCA-licensed exchanges and guides to Germany and Ukraine cover the rest of the region.