Ranking 02 / Crypto exchanges

Crypto exchange ranking

We start with the thing most comparisons skip: whether the exchange has permission to serve a client from Poland. We checked the raw ESMA Interim MiCA Register — 346 entries, 171 entities with a passport into Poland. Without an entry, an exchange has no right to take on new clients from Poland from 1 July 2026.

The second thing we say plainly: not one of these exchanges offers full PLN service — that is, a deposit and a withdrawal by transfer in złoty (PLN). Coinbase and OKX let you buy crypto with złoty via BLIK, Binance takes a deposit by card and withdraws only via P2P, and Kraken and Nexo do not support złoty at all.

Entries: 10
With a MiCA licence: 5
Without a MiCA licence: 3
Research date: 10 September 2026

Before you deposit: four entities without a MiCA licence

Binance, Bitget, MEXC and Nexo do not appear in the CASP register kept by ESMA. Since 1 July 2026 Binance, Bitget and MEXC may not offer services to new clients from Poland. We keep them in the comparison, because there are still Polish accounts there, but we do not point you from this site to their registration — for a new Polish client such a registration may be impermissible.

Crypto-assets are not covered by a bank guarantee or a compensation scheme to the same extent as deposits. History shows that exchanges fail and are robbed — keep on the exchange only what you actively trade.

Summary table

Comparison data for ten exchanges. “Not verified” means that the information was not in the source materials fetched — not that it is negative.

Scroll horizontally to see every column →

Comparison data for ten exchanges. “Not verified” means that the information was not in the source materials fetched — not that it is negative.
#	Name	MiCA	EU entity	Spot maker / taker	PLN	PL language	Proof of reserves	Score
01	Kraken Visit (opens in a new tab)	Yes — CBI, licence of 25 June 2025, passport into Poland	Payward Europe Solutions Ltd, Ireland	0.40% / 0.80% (Kraken Pro, Tier 1)	No PLN pairs	No — no Polish support or site	Yes — snapshot of 30 June 2026, BTC 102.9%	86
02	Bybit Visit (opens in a new tab)	Yes — FMA Austria, authorisation of 28 May 2025	Bybit EU GmbH, Austria	0.1000% / 0.1000% (VIP 0)	No trading pairs; SEPA, cards	Yes — /pl works	The link exists; content: not verified	80
03	Coinbase Visit (opens in a new tab)	Yes — CSSF, authorisation of 20 June 2025	Coinbase Luxembourg S.A., Luxembourg	0.40% / 0.60% (up to USD 10,000/month)	Purchase via BLIK; no PLN pairs	Site yes, customer support no	Not verified — only exchange reports	79
04	Gate.io (Gate) Visit (opens in a new tab)	Yes — MFSA, authorisation of 29 September 2025	Gate Technology Limited, Malta	0.10% / 0.10%; 0.09% with the GT token	Not verified	Not verified — /pl returned 403	Not verified	74
05	OKX Visit (opens in a new tab)	Yes — MFSA, authorisation of 27 January 2025	OKX Europe Limited, Malta	0.2000% / 0.3500% (Regular)	Purchase via BLIK, cards, PayPal, SEPA	Yes — /pl works	Yes — report no. 46, USD 22.96 billion, BTC 111%	73
06	Binance Visit (opens in a new tab)	No — no entry in the ESMA register	No entity with an EU licence	0.100% / 0.100%; 0.075% with BNB	Deposit by card, withdrawal only via P2P	Yes — site and customer support	Not verified	66
07	KuCoin Visit (opens in a new tab)	Entry active (27 November 2025) + unconfirmed FMA prohibition	KuCoin EU Exchange GmbH, Austria	0.10% / 0.10%; a discount for the KCS token	Not verified	Yes — /pl works	Yes — 31 August 2026: BTC 107%, ETH 117%, USDT 111%	62
08	SwissBorg Visit (opens in a new tab)	Yes — AMF, authorisation of 5 March 2026	BLOCKNODES SAS, France	Not verified	Not verified	Not verified — /pl returned 404	Not verified	58
09	Nexo Visit (opens in a new tab)	No — no group company in the ESMA register	Not verified	Not verified — the price list is available only in the US version	No — accounts in USD, EUR and GBP	Yes — a full PL version	Not verified	55
10	Bitget Visit (opens in a new tab)	No — no entry in the ESMA register	None — licences outside the Union only	0.1% / 0.1%; 0.08% with the BGB token	Not verified	Yes — /pl works	Yes — a monthly Merkle report, 100%+ coverage	54

Methodology — how the order was produced

Six criteria, 100 points, zero bought places

The order is not a subjective “top 10”. Every entry scores against the same criteria and the result is public — you can disagree with it and score it your own way, but you can see what it was built on.

01 Regulation and the MiCA licence: 25 pts; An entry in the CASP register kept by ESMA: an entity in the Union, the competent regulator and a passport into Poland. No entry means the exchange has no permission to serve new clients from Poland.
02 Liquidity and market coverage: 20 pts; The number of listed assets, and the availability of the spot market, derivatives, staking and Earn products.
03 Costs: 20 pts; Maker and taker rates, the cost of buying crypto with złoty and the cost of a withdrawal. Rates change with your VIP level.
04 Security and transparency of reserves: 20 pts; The history of hacks, regulator fines, publication of proof of reserves and the actual level of reserve backing.
05 Polish-language service and PLN support: 15 pts; A Polish version of the site, Polish support, and the ability to deposit and withdraw złoty. No exchange in this comparison offers full PLN service.

Full cards — from first to tenth place

Each card carries the regulatory status, comparison data, strengths, a list of risks and a list of the fields we could not confirm. The security section takes account of the history of hacks and fines, because in crypto there is no fund that will give you back stolen funds.

01 MiCA licence Top score

Kraken

Payward Europe Solutions Limited, Dublin (Central Bank of Ireland)

The best combination of a MiCA licence, confirmed reserves and a history without a material hack — at the cost of the highest rates in the comparison and no Polish-language service.

Total score

86/100

Visit

MiCA licence: A CASP authorisation with a passport into Poland; reserve protection published quarterly.

Comparison data

MiCA: Yes — CBI, licence of 25 June 2025, passport into Poland
EU entity: Payward Europe Solutions Ltd, Ireland
Spot maker / taker: 0.40% / 0.80% (Kraken Pro, Tier 1)
PLN: No PLN pairs
PL language: No — no Polish support or site
Proof of reserves: Yes — snapshot of 30 June 2026, BTC 102.9%

Strengths

A MiCA licence with a passport into Poland, supervised by the Central Bank of Ireland.
Proof of reserves published with specific coverage ratios: BTC 102.9%, ETH 100.5%, SOL 100.6%.
Over 600 assets, perpetual futures contracts, margin and staking of up to 21% a year.
No material hack in the available sources, an insurance fund and a bug bounty programme.

What to watch out for

The highest spot rates in the comparison: 0.40% maker and 0.80% taker at Tier 1.
The simple, beginner-friendly mode costs 1% on an instant transaction and 1.5% for a custom order.
No Polish-language service and no PLN pair — you deposit and withdraw in EUR, USD or GBP.
Staking rates are variable and can fall within weeks; some assets are thinly traded.

Detailed score

86/100

Top score

Regulation and MiCA 25/25
Liquidity and coverage 18/20
Costs 14/20
Security 20/20
PL and PLN 9/15

Best for

Someone for whom the licence and confirmed reserves matter most, ready to pay a higher commission and work in English.

Sources

Verified: 10 September 2026

↑ Summary

02 MiCA licence Very high score

Bybit

Bybit EU GmbH, Vienna (FMA Austria)

A European entity with a MiCA licence, a Polish version of the site and low spot rates — against the backdrop of the largest hack in crypto history.

Total score

80/100

Visit

MiCA licence: FMA authorisation of 28 May 2025. History: a hack of about USD 1.5 billion in February 2025.

Comparison data

MiCA: Yes — FMA Austria, authorisation of 28 May 2025
EU entity: Bybit EU GmbH, Austria
Spot maker / taker: 0.1000% / 0.1000% (VIP 0)
PLN: No trading pairs; SEPA, cards
PL language: Yes — /pl works
Proof of reserves: The link exists; content: not verified

Strengths

A European entity with a MiCA licence, supervised by the Austrian FMA and with a passport into Poland.
The Polish version of the site works, and spot rates of 0.1% per 0.1% are among the lowest in the comparison.
Over 350 assets, futures, options, Earn and copy trading in one place.
Earn rates can be high — up to 21.5% APR on selected stablecoin pairs.

What to watch out for

In February 2025 the exchange was robbed of about USD 1.5 billion — the largest theft in crypto history, attributed to the Lazarus group from North Korea.
The content of the proof-of-reserves report was not confirmed in the materials fetched.
No trading pairs with PLN — deposits and withdrawals in złoty require an intermediary.
A discrepancy in the fee data: the Moneteo comparison gives a taker fee of 0.25%, the official Bybit table 0.1% — we took the official table.
Promotional Earn rates of the order of 555% APR apply to two-day campaigns, not to a standing interest rate.

Detailed score

80/100

Very high score

Regulation and MiCA 25/25
Liquidity and coverage 18/20
Costs 17/20
Security 12/20
PL and PLN 8/15

Best for

An active crypto trader who wants European supervision and low rates, and understands the exchange’s operational risk after a major hack.

Sources

Verified: 10 September 2026

↑ Summary

03 MiCA licence Very high score

Coinbase

Coinbase Luxembourg S.A., Luxembourg (CSSF)

A publicly listed company with a MiCA licence and the simplest way to buy with złoty via BLIK, but dearer than the Asian exchanges and with no proof of reserves.

Total score

79/100

Visit

MiCA licence: CSSF authorisation of 20 June 2025; no public proof of reserves.

Comparison data

MiCA: Yes — CSSF, authorisation of 20 June 2025
EU entity: Coinbase Luxembourg S.A., Luxembourg
Spot maker / taker: 0.40% / 0.60% (up to USD 10,000/month)
PLN: Purchase via BLIK; no PLN pairs
PL language: Site yes, customer support no
Proof of reserves: Not verified — only exchange reports

Strengths

A company listed in the USA, which means an additional reporting obligation and financial transparency.
A MiCA licence supervised by the Luxembourg CSSF, with a passport into Poland.
Buying crypto with złoty via BLIK — the simplest way in for someone from Poland.
Over 400 assets, Advanced Trade, staking and rewards on USDC of up to 3.50% APY.

What to watch out for

Rates of 0.40% maker and 0.60% taker are clearly higher than at the exchanges in the top five.
No proof-of-reserves report — transparency rests on the filings of a public company.
Polish customer support does not exist; only the site has a Polish version.
Derivatives for the EEA are only now being introduced, so the offer for a client from Poland is thinner.
No trading pairs with PLN — only a purchase with złoty.

Detailed score

79/100

Very high score

Regulation and MiCA 25/25
Liquidity and coverage 16/20
Costs 13/20
Security 18/20
PL and PLN 7/15

Best for

Someone who buys crypto occasionally and values simplicity, BLIK and the standing of a public company rather than the lowest commission.

Sources

Verified: 10 September 2026

↑ Summary

04 MiCA licence High score

Gate.io (Gate)

Gate Technology Limited, Msida (MFSA Malta)

A MiCA licence and some of the lowest rates, but most of the data on serving a Polish client is unconfirmed, because the site blocked our fetch.

Total score

74/100

Visit

MiCA licence: MFSA authorisation of 29 September 2025, but the data on serving a client from Poland is unconfirmed.

Comparison data

MiCA: Yes — MFSA, authorisation of 29 September 2025
EU entity: Gate Technology Limited, Malta
Spot maker / taker: 0.10% / 0.10%; 0.09% with the GT token
PLN: Not verified
PL language: Not verified — /pl returned 403
Proof of reserves: Not verified

Strengths

A MiCA licence supervised by the Maltese MFSA, with a passport into Poland.
Low spot rates: 0.10% per 0.10%, and 0.09% with the GT token.
Over 200 assets, a futures market, Alpha and Earn.
A security score of 4.0 out of 5 in the Moneteo comparison.

What to watch out for

The site blocked automated fetching, so we did not confirm PLN support, a Polish version or a reserve report.
No confirmed proof of reserves.
An affiliate programme exists, but the programme page returned 404 and the rates cannot be verified.
Three fields in the table remain unverified — this is not a broker worth starting with without your own reconnaissance.

Detailed score

74/100

High score

Regulation and MiCA 25/25
Liquidity and coverage 14/20
Costs 17/20
Security 10/20
PL and PLN 8/15

Best for

A trader experienced with Asian exchanges who wants a low commission at a European entity and will verify the terms before depositing.

What we could not confirm

PLN support
Polish version of the site
Proof of reserves
Affiliate programme rates

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

05 MiCA licence High score

OKX

OKX Europe Limited, Malta (MFSA)

A MiCA licence, a Polish version of the site, purchase via BLIK and a large reserve report — but the standard rates are higher than the comparison sites state.

Total score

73/100

Visit

MiCA licence: MFSA authorisation of 27 January 2025; public proof of reserves with coverage above 100%.

Comparison data

MiCA: Yes — MFSA, authorisation of 27 January 2025
EU entity: OKX Europe Limited, Malta
Spot maker / taker: 0.2000% / 0.3500% (Regular)
PLN: Purchase via BLIK, cards, PayPal, SEPA
PL language: Yes — /pl works
Proof of reserves: Yes — report no. 46, USD 22.96 billion, BTC 111%

Strengths

A MiCA licence supervised by the MFSA and a Polish version of the site.
Buying crypto with złoty via BLIK, Apple Pay, Google Pay, PayPal, SEPA and cards.
One of the most detailed proof-of-reserves reports: edition 46, USD 22.96 billion, BTC coverage of 111%.
Spot, futures, options, Earn, bots and P2P in one place.

What to watch out for

The standard rates of 0.2000% maker and 0.3500% taker are higher than at Binance, Bybit, Gate and Bitget.
Comparison sites give 0.08% and 0.10% — this is probably a separate OKX Europe tariff that we did not confirm in the terms and conditions.
A security score of 3.5 out of 5 in the Moneteo comparison.
Earn rates are variable and published as estimated, not guaranteed, APR.
The affiliate programme rates were not confirmed.

Detailed score

73/100

High score

Regulation and MiCA 25/25
Liquidity and coverage 17/20
Costs 15/20
Security 10/20
PL and PLN 6/15

Best for

Someone who wants to buy crypto with złoty via BLIK at a licensed European entity and likes a broad product range.

Sources

Verified: 10 September 2026

↑ Summary

06 No MiCA licence High score

Binance

No single central headquarters; operational centre in Abu Dhabi

The greatest liquidity and the lowest commission in the comparison, but with no MiCA licence: from 1 July 2026 the exchange may not take on new clients from Poland.

Total score

66/100

Visit

No MiCA licence: From 1 July 2026 the exchange may not offer services to new clients from Poland. We do not point you to registration from here.

Comparison data

MiCA: No — no entry in the ESMA register
EU entity: No entity with an EU licence
Spot maker / taker: 0.100% / 0.100%; 0.075% with BNB
PLN: Deposit by card, withdrawal only via P2P
PL language: Yes — site and customer support
Proof of reserves: Not verified

Strengths

The greatest liquidity and the most trading pairs in the comparison.
A maker and taker rate of 0.100%, and 0.075% with the BNB token — one of the lowest.
A full Polish version of the site and Polish customer support.
Derivatives are unavailable to investors from Poland, which limits the temptation of leverage.

What to watch out for

No MiCA licence: from 1 July 2026 the exchange is not entitled to offer services to new clients from Poland.
No single central headquarters and no EU entity responsible for a client from Poland.
History: a hack of 7,000 BTC in 2019, the BNB Bridge for about USD 568 million in 2022, a guilty plea and a fine of USD 4.3 billion in 2023, and four months in prison for the founder.
Proof of reserves was not confirmed — the report page did not render when fetched.
A deposit of złoty is possible only by card, and a withdrawal only via P2P, that is with a counterparty, not with the exchange.

Detailed score

66/100

High score

Regulation and MiCA 8/25
Liquidity and coverage 19/20
Costs 17/20
Security 10/20
PL and PLN 12/15

Best for

Existing clients with open accounts only. A new person from Poland should choose an exchange with a MiCA licence — for the sake of protection and the legality of the service.

What we could not confirm

Proof of reserves
Earn rates
Affiliate programme rates

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

07 Uncertain status Average score

KuCoin

KuCoin EU Exchange GmbH, Vienna (FMA Austria)

The MiCA entry is active, but there is unconfirmed information about a prohibition on new business issued by the Austrian FMA — until you clear that up, keep this exchange to one side.

Total score

62/100

Visit

Uncertain status: The MiCA entry is active, but the FMA announcement of a prohibition on new business is unconfirmed. It requires verification before you deposit.

Comparison data

MiCA: Entry active (27 November 2025) + unconfirmed FMA prohibition
EU entity: KuCoin EU Exchange GmbH, Austria
Spot maker / taker: 0.10% / 0.10%; a discount for the KCS token
PLN: Not verified
PL language: Yes — /pl works
Proof of reserves: Yes — 31 August 2026: BTC 107%, ETH 117%, USDT 111%

Strengths

An entry in the MiCA register of 27 November 2025 and a Polish version of the site.
The lowest spot rate in the comparison: 0.10% per 0.10%, with a discount for the KCS token.
The best reserve coverage ratio in the comparison: BTC 107%, ETH 117%, USDT 111% as at 31 August 2026.
Spot, futures, margin, Earn and KuMining in one place.

What to watch out for

Unconfirmed information about a prohibition on new business issued by the FMA in February 2026 for organisational, AML/CFT and sanctions breaches — the cited FMA source returns 404.
History: a hack in 2020, and a guilty plea and a fine of about USD 300 million in January 2025.
A security score of 3.5 out of 5 in the Moneteo comparison.
PLN support was not confirmed — cards, bank transfers and P2P are available.
Until the status of the FMA prohibition is clarified, opening a new account is a regulatory risk.

Detailed score

62/100

Average score

Regulation and MiCA 14/25
Liquidity and coverage 14/20
Costs 17/20
Security 8/20
PL and PLN 9/15

Best for

Nobody, until the status of the FMA prohibition is confirmed at the source. Existing clients should check the regulator’s announcements.

What we could not confirm

The FMA prohibition of February 2026
PLN support
The amount of the 2020 hack

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

08 MiCA licence Average score

SwissBorg

BLOCKNODES SAS, Paris (AMF France)

The youngest MiCA entry in the comparison and the newest EU entity, but almost all the operational data is unconfirmed — and that is too little to deposit on.

Total score

58/100

Visit

MiCA licence: AMF authorisation of 5 March 2026, but almost all the operational data is unconfirmed.

Comparison data

MiCA: Yes — AMF, authorisation of 5 March 2026
EU entity: BLOCKNODES SAS, France
Spot maker / taker: Not verified
PLN: Not verified
PL language: Not verified — /pl returned 404
Proof of reserves: Not verified

Strengths

A MiCA licence supervised by the French AMF with a passport into Poland — among other things for custody, order execution and portfolio management.
The broadest range of services permitted by the authorisation among the younger entities.
An affiliate programme exists and the programme page is available.

What to watch out for

The maker and taker rates were not confirmed — the fees page returned a binary file instead of content.
The Polish version of the site returned a 404 error, so Polish-language support is uncertain.
No confirmed PLN support, staking or reserve report.
The product range (spot, futures, Earn) was not verified.
A licence from March 2026 means a short operational history under EU supervision.

Detailed score

58/100

Average score

Regulation and MiCA 25/25
Liquidity and coverage 10/20
Costs 10/20
Security 8/20
PL and PLN 5/15

Best for

Someone who wants European supervision over portfolio management and is ready to confirm the terms themselves before depositing funds.

What we could not confirm

Maker and taker rates
PLN support
Polish version of the site
Proof of reserves
Product range

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

09 No MiCA licence Average score

Nexo

No entity of the group in the ESMA register

A full Polish version and the simplest savings model, but with no MiCA licence and no złoty account — this is a lending-and-savings product, not an exchange.

Total score

55/100

Visit

No MiCA licence: No entry in the CASP register. We do not point you to registration from here.

Comparison data

MiCA: No — no group company in the ESMA register
EU entity: Not verified
Spot maker / taker: Not verified — the price list is available only in the US version
PLN: No — accounts in USD, EUR and GBP
PL language: Yes — a full PL version
Proof of reserves: Not verified

Strengths

A full Polish version of the site.
Earn of up to 13% a year on over 30 assets, accrued daily and without lock-ups.
The Nexo card with cashback of up to 2% and a credit line secured against assets.
Declared group assets of over USD 7 billion and operations since 2018.

What to watch out for

No MiCA licence — no company of the group appears in the CASP register.
No złoty account: transfers only in USD, EUR and GBP, and only in your own name.
The high Earn interest is advertised without a public, verified fee schedule.
Proof of reserves and the security score were not confirmed.
The business model rests on lending against collateral, not on trading on the spot market.

Detailed score

55/100

Average score

Regulation and MiCA 12/25
Liquidity and coverage 12/20
Costs 10/20
Security 10/20
PL and PLN 11/15

Best for

Someone who already holds crypto and is looking for interest and a card, aware of the lack of a MiCA licence and of a złoty account.

What we could not confirm

Legal entity and jurisdiction
Fee rates
Proof of reserves

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

10 No MiCA licence Conditional score

Bitget

No entity in the ESMA register; licences outside the Union

The broadest Earn offer and a Polish version of the site, but with no EU licence at all — from 1 July 2026 the exchange may not serve new clients from Poland.

Total score

54/100

Visit

No MiCA licence: No EU authorisation; from 1 July 2026 no permission to serve new clients from Poland. We do not point you to registration from here.

Comparison data

MiCA: No — no entry in the ESMA register
EU entity: None — licences outside the Union only
Spot maker / taker: 0.1% / 0.1%; 0.08% with the BGB token
PLN: Not verified
PL language: Yes — /pl works
Proof of reserves: Yes — a monthly Merkle report, 100%+ coverage

Strengths

Low spot rates: 0.1% per 0.1%, and 0.08% with the BGB token.
A monthly proof-of-reserves report based on a Merkle tree, declaring a minimum of 100% coverage.
The Polish version of the site works, and the Earn and copy-trading offer is broad.
The licences page is transparent about the jurisdictions in which the exchange operates.

What to watch out for

The licences page lists only non-EU jurisdictions: Australia, El Salvador, the United Kingdom through an Authorised Person, Georgia and Argentina.
From 1 July 2026 the exchange has no permission to serve new clients from Poland.
A security score of 3.5 out of 5 in the Moneteo comparison.
PLN support and the affiliate programme rates were not confirmed.
Promotional Earn rates of up to 30% APR depend on vouchers, not on a standing offer.

Detailed score

54/100

Conditional score

Regulation and MiCA 8/25
Liquidity and coverage 15/20
Costs 16/20
Security 8/20
PL and PLN 7/15

Best for

Existing clients only. A new person from Poland should choose an exchange with a MiCA licence.

What we could not confirm

PLN support
Affiliate programme rates
Legal entity

We do not guess missing data. Check it at the source before you decide.

Sources

Verified: 10 September 2026

↑ Summary

Questions and answers about crypto exchanges

MiCA, support for the złoty, proof of reserves, the real rates and what the high interest rates in the Earn section actually mean.

01 What is a MiCA licence and why does it matter to a client from Poland?

MiCA is the EU regulation on markets in crypto-assets. An entity that wants to provide crypto services in the Union lawfully must obtain a CASP authorisation from the regulator of one of the member states and be entered in the register kept by ESMA. An entry with the PL code means a passport, that is the right to serve clients in Poland. Without an entry the exchange operates outside the EU supervisory system — and from 1 July 2026 it may no longer take on new clients from Poland.

02 How many exchanges in this ranking have a full MiCA licence?

Six out of ten: Kraken, Bybit, Coinbase, Gate.io, OKX and SwissBorg. KuCoin has an entry in the register of 27 November 2025, but there is unconfirmed information about a prohibition on new business issued by the Austrian FMA in February 2026. Binance, Bitget and Nexo have no entry in the CASP register at all.

03 Does any of these exchanges support deposits and withdrawals in złoty by bank transfer?

No. No exchange in the comparison offers full PLN service, that is a deposit and a withdrawal by transfer in złoty. Coinbase and OKX let you buy crypto with złoty via BLIK. Binance accepts a PLN deposit only by card, and a withdrawal in złoty is possible only via P2P, that is with a counterparty, not with the exchange. Kraken and Nexo do not support PLN at all. The rest is not verified.

04 What is proof of reserves and do all exchanges publish it?

Proof of reserves is a report showing how many client assets the exchange actually holds against its liabilities. Confirmed reports are published by Kraken (snapshot of 30 June 2026, BTC 102.9%), OKX (edition 46, USD 22.96 billion, BTC 111%), KuCoin (31 August 2026, BTC 107%, ETH 117%, USDT 111%) and Bitget (a monthly Merkle report declaring a minimum of 100% coverage). For Binance, Bybit, Gate.io, Coinbase, SwissBorg and Nexo we could not confirm a report in the materials fetched.

05 Which exchanges have the lowest spot fees?

MEXC comes out lowest, and it did not make the ranking because it has no MiCA licence: 0.0000% maker and a taker fee from 0.0400% to 0.0500%. Within the ranking, OKX, Binance, Bybit, Gate, Bitget and KuCoin are the cheapest, with a standard rate of 0.10% per 0.10%. Kraken and Coinbase are the dearest: 0.40% and 0.80%, and 0.40% and 0.60% respectively.

06 What should you watch out for with Earn rates that look very high?

Earn rates are variable and are almost never guaranteed. Promotional figures of the order of 30% or 555% APR apply to short campaigns, vouchers or selected stablecoin pairs, not to a standing interest rate on your funds. In the exchanges’ materials the rates are described as estimated. Treat them as marketing, not as a rate of return.

07 Should a history of hacks affect your choice of exchange?

Yes, because crypto is not covered by a compensation scheme in the way bank deposits are. In February 2025 Bybit lost about USD 1.5 billion in the largest theft in crypto history, in 2019 Binance lost 7,000 BTC and in 2022 the BNB Bridge about USD 568 million, and KuCoin was robbed in 2020 and paid a fine of about USD 300 million in 2025. None of those losses was covered from a client protection fund. Keep on the exchange only what you actively trade.

08 How often does this data change?

The ESMA register is updated continuously, and exchanges change their price lists and licence statuses several times a year. This ranking carries a research date of 10 September 2026. Before you deposit, check the current entry in the CASP register and the exchange’s terms and conditions — our comparison is a starting point, not the last word.

Legal notices

01
Crypto assets are not covered by a bank guarantee, a compensation scheme or prudential supervision to the same extent as bank deposits. Their value may rise or fall to zero in a very short time — volatility is the rule here, not the exception. The risks of crypto assets include, among others: market risk, exchange counterparty risk (including the risk of bankruptcy and suspension of withdrawals), the risk of stablecoin de-pegging, the risk of losing private keys, smart contract risk, regulatory risk and the risk of fraud and phishing. “Not your keys — not your coins” also applies to funds held on an exchange. In the European Union crypto assets are regulated by the MiCA Regulation, which does not, however, mean that your funds are safe.
02
None of the published content constitutes an investment recommendation, investment research or a recommendation within the meaning of Regulation (EU) No 596/2014 of the European Parliament and of the Council (MAR) and its implementing acts. Nor is it an offer to acquire or dispose of financial instruments or an invitation to submit offers. All examples, charts, screenshots and figures are illustrative and refer to hypothetical or historical situations.
03
The order of positions in the rankings reflects an editorial assessment against the criteria described in the methodology of that ranking and does not depend on any agreement with an operator. We do not accept payments for a place in a comparison. The existence of an affiliate programme may influence whether a given offer appears in a comparison at all, but it does not buy a place in the top three — the substantive assessment and the criteria remain transparent and described. We describe the monetisation model of the site in the footer.
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Some of the links on the site are affiliate (partner) links. If you click such a link and open an account, make a deposit or sign up for a programme, the site's operator may receive a commission. The commission does not change the terms of the offer available to you and does not increase your costs — it is paid by the partner out of its own margin. The site also displays Google ads (AdSense). Ads do not influence the content of the materials or the order of positions in the rankings — no operator can buy that.
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Offers, promotions and programmes described on the site may be available only to specific groups of recipients, in specific countries and for a specific time. The terms presented in the comparisons are illustrative and may differ from the current terms and conditions of the organiser. Always verify the terms directly at the source — at the bank, with the broker or on the exchange — before taking any action.
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The names of brokers, banks, exchanges, platforms and financial products, and their logos, belong to their owners and are used solely for informational and identification purposes. We do not thereby suggest any affiliation with, patronage by or recommendation from those entities.
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We publish the content with due care, but it may contain errors or inaccuracies, or be out of date — regulations, costs, interest rates and offer terms change without notice. The materials do not replace the information documents, terms and conditions, price lists or prospectuses provided by the given institution. To the fullest extent permitted by law we accept no liability for decisions taken on the basis of the site content or for damage resulting from them. This exclusion does not cover cases in which the exclusion of liability is impermissible (including damage caused intentionally and consumer rights arising from mandatorily applicable law).

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Last content update: October 2, 2026

Who writes this and how we check it

The materials are written and verified by Redakcja Kurs Tradera — the rules are described on about the site: every number has a source, and we show gaps openly. Report a factual error via contact — corrections are described in the content.