Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 29, 2026 · HodlCue Editorial Team

Coinmama vs Kraken

Coinmama scores 8.9 and Kraken 9.4 out of 10. Compare their differences and shared features below.
Kraken

Kraken

Higher score in this comparison

9.4/10
Visit
Coinmama

Coinmama

8.9/10
See alternatives

Coinmama vs Kraken: the differences

Coinmama vs Kraken
CompareCoinmamaCoinmamaReviewSee alternativesSee alternativesKrakenKrakenReviewVisitVisit
Taker fee0.99% to 3.9%0.05% to 0.8%Lower
Coins listedfrom 500728
Fiat deposit methodsCard, Bank, SEPA, Apple payCard, Bank, SEPA, ACH, Apple payCovers more
RegulatorsNot confirmedCentral Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI)
Maker feeNot confirmed0% to 0.4%
Proof of reservesNot confirmedYes
Withdrawal feeNo transaction fee on crypto withdrawalsNot confirmed
DerivativesNot confirmedYes

Same on both: Exchange type (Cex).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Kraken scores higher overall: 9.4 vs 8.9.
  • Taker fee is lower at Kraken: 0.05% to 0.8% vs 0.99% to 3.9%.
  • Fiat deposit methods: only Kraken offers ACH.
  • Features: only Coinmama offers Self custody.
  • Features: only Kraken offers Multi currency, Crypto, Virtual card.

Our verdict on each

Coinmama

Coinmama suits buyers who want card, bank, SEPA and mobile wallet funding with coins delivered to a wallet they control. The catch is the trade rate: taker fees of 0.99% to 3.9% run well above what most of these exchanges charge, so it earns a place for simple fiat buying rather than cost sensitive trading.

Read the full Coinmama review

Kraken

Kraken suits frequent crypto users who keep trading balances on exchange and want those balances spendable through a card without added card upkeep. It pairs a debit card on Mastercard with a monthly fee of €0 and conversion fees of 0%, which keeps routine spend predictable for cardholders.

Read the full Kraken review

Score breakdown

Coinmama vs Kraken
AreaCoinmamaKraken
Cost8.29.3HigherMonthly charge of €0 with conversion fees of 0% keeps routine card costs contained.
Offer9.8Higher9.0Card access to 728 with staking on ATOM, SCRT and KSM widens use beyond payments.
TrustNot confirmed9.7Supervision linked to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network supports confidence in handling.

How they place

Coinmama vs Kraken
RankingCoinmamaKraken
Crypto exchanges129 of 2979 of 297
Where to buy crypto98 of 1775 of 177

Every fact side by side

Coinmama vs Kraken
FactCoinmamaKraken
FeaturesSelf custodyMulti currency, Crypto, Virtual card, Travel

Crypto wallets

Coinmama vs Kraken
FactCoinmamaKraken
Wallet typeNot confirmedMobile
PriceNot confirmed$0
CustodyNot confirmedSelf custody
Coins supportedNot confirmed728
Backup optionsNot confirmedSeed

Where each stands against the rest

Coinmama vs Kraken
FactCoinmamaKrakenMedian
Taker fee0.99% to 3.9%highest quarter0.05% to 0.8%below the median0.15
Coins listedfrom 500highest quarter728highest quarter76
Maker feeNot confirmed0% to 0.4%below the median0.1

Median across 219 listed providers.

Pros and cons

Coinmama

Pros

  • Crypto withdrawals carry no transaction fee, so money leaves the platform without an exit charge.
  • Fiat deposits cover card, bank and sepa, so funding does not have to run through a bank only setup.
  • A coin list of from 500 coins is broader than the 60 seen in the buy crypto category.

Cons

  • Taker fees of 0.99% to 3.9% sit above the 0.2% median across the exchanges on the site.
  • The rate is the heaviest of the brands compared, above 0.25% to 1.99% at bunq and 0% at ActivTrades.
  • The coin list of from 500 trails Bitpanda's from 650.

Kraken

Pros

  • Monthly fee of €0 keeps ongoing card costs low for regular spenders
  • Conversion fees of 0% favour cross border card use versus Bit2Me at 0.95%
  • Cashback of 0.5% to 2% adds value on eligible card spending

Cons

  • Free ATM allowance of €0 restricts cash withdrawals for frequent ATM users
  • Support runs on chat and help centre only, which limits choice for people who prefer phone help
  • Cashback of 0.5% to 2% varies by activity, so returns depend on card use

Who each suits

Coinmama

Who it suits

  • New buyers funding an account by card or bank transfer.
  • Anyone who wants coins delivered into a wallet they control.
  • Buyers who want no transaction fee on crypto withdrawals.

Who should look elsewhere

  • Active traders: ActivTrades takes a taker fee of 0% against Coinmama's fees of 0.99% to 3.9%.
  • Broader coin lists: Bitpanda's list starts higher, at from 650.
  • Cost sensitive buyers: bunq charges taker fees of 0.25% to 1.99%, well below Coinmama's 0.99% to 3.9%.

Kraken

Who it suits

  • Exchange holders who want trading balances spendable by card rather than moved off venue
  • Card payers who value low upkeep and who accept eToro instead where ATM needs dominate

Who should look elsewhere

  • Cash heavy users who may prefer eToro for its free ATM range of €2,500 to €12,000 over €0
  • Phone support seekers who may prefer bunq if assisted channels matter more than chat and help centre

Questions about each

Coinmama

What does Coinmama charge for trading?+

Coinmama charges taker fees of 0.99% to 3.9% on trades, which is the cost that matters most here. That sits above the site median of 0.2% and above the 0.25% typical of buy crypto platforms, so anyone trading often pays more than the category norm.

What does it cost to take coins out?+

Crypto withdrawals carry no transaction fee, so the platform adds no charge for moving coins to your own wallet. The expense in a round trip still includes the taker fee of 0.99% to 3.9% paid on the trade, and that is where the real cost sits.

Kraken

What does the Kraken card cost to keep and use?+

The card carries a monthly fee of €0 and conversion fees of 0%. Cashback of 0.5% to 2% applies to eligible spend. Exchange trading uses maker fees of 0% to 0.4% and taker fees of 0.05% to 0.8%, so card costs stay distinct from trading costs.

Who regulates Kraken for this product?+

Kraken lists oversight connected to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network and holds registrations including MiCA CASP 9845003D98SCC2851458. The legal entity named is Payward Europe Solutions Limited. These permissions relate to crypto and payment services and vary by product and domicile.

Other options to compare

Kraken

Visit

Coinmama

See alternatives