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Updated September 29, 2026 · HodlCue Editorial Team

eToro vs Kraken

eToro scores 9.0 and Kraken 9.4 out of 10. Compare their differences and shared features below.
eToro

eToro

9.0/10
Visit
Kraken

Kraken

Higher score in this comparison

9.4/10
Visit

eToro vs Kraken: the differences

eToro vs Kraken
CompareeToroeToroReviewVisitVisitKrakenKrakenReviewVisitVisit
Taker fee1%0.05% to 0.8%Lower
Coins listedfrom 150728
RegulatorsCyprus Securities and Exchange Commission (CySEC), SIPCCentral Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI)
Fiat deposit methodsCard, BankCard, Bank, SEPA, ACH, Apple payCovers more
Maker feeNot confirmed0% to 0.4%
Proof of reservesNot confirmedYes
Withdrawal fee$5 flat feeNot confirmed

Same on both: Derivatives (Yes), Exchange type (Cex).

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Key differences

  • Kraken scores higher overall: 9.4 vs 9.0.
  • Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
  • Regulators: only Kraken offers Central Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network.
  • eToro is licensed in 1 more country.
  • Taker fee is lower at Kraken: 0.05% to 0.8% vs 1%.
  • Fiat deposit methods: only Kraken offers SEPA, ACH, Apple pay.
  • Features: only eToro offers Custodial, Staking.
  • Features: only Kraken offers Multi currency, Crypto, Virtual card.

Our verdict on each

eToro

eToro suits readers who want a long-established custodial exchange with a CySEC licence and a broad coin list. Trading costs tell the other story: a taker fee of 1% is well above the 0.2% site median, and withdrawals add $5 flat fee.

Read the full eToro 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

eToro vs Kraken
AreaeToroKraken
Cost8.2Taker fees of 1% sit well above the 0.2% site median, and withdrawals cost $5 flat fee on top.9.3HigherMonthly charge of €0 with conversion fees of 0% keeps routine card costs contained.
Offer9.09.0Card access to 728 with staking on ATOM, SCRT and KSM widens use beyond payments.
Trust9.69.7HigherSupervision linked to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network supports confidence in handling.

The bill, worked out

Buy 1,000 of crypto and sell it again

eToro

20

1% of 2,000

Kraken

1 to 16

0.05% to 0.8% of 2,000

Kraken comes out 19 lower in this example.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.

A third option

ActivTrades has taker fee at 0%, against 1% for eToro and 0.05% to 0.8% for Kraken.

ActivTrades review

What we checked

eToro

  • etoro.com: 6 facts, checked September 26, 2026
  • esma.europa.eu: 3 facts, checked September 26, 2026
  • cryptoninjas.net: 2 facts, checked September 26, 2026
  • brokerchooser.com: 1 fact, checked September 26, 2026

Kraken

  • kraken.com: 6 facts, checked September 28, 2026
  • support.kraken.com: 2 facts, checked September 28, 2026
  • coingecko.com: 1 fact, checked September 26, 2026

How they place

eToro vs Kraken
RankingeToroKraken
Where to buy crypto2 of 1775 of 177

Every fact side by side

eToro vs Kraken
FacteToroKraken
FeaturesCustodial, StakingMulti currency, Crypto, Virtual card, Travel
Legal entityeToro (Europe) LtdNot confirmed
HeadquartersCyprusNot confirmed
Founded2007Not confirmed
Support channelsHelp centreNot confirmed

Crypto wallets

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

Where each stands against the rest

eToro vs Kraken
FacteToroKrakenMedian
Taker fee1%highest quarter0.05% to 0.8%below the median0.15%
Coins listedfrom 150above the median728highest quarter76
Maker feeNot confirmed0% to 0.4%below the median0.1

Median across 219 listed providers.

Pros and cons

eToro

Pros

  • Regulated in Cyprus by the Cyprus Securities and Exchange Commission (CySEC) under MiCA CASP 213800GIFQMSV7HROS23 and a member of SIPC under SIPC member 70212
  • A coin list of from 150 sits well above the 62 site median
  • Fiat deposits run through card and bank, so funding works without a crypto transfer first

Cons

  • A taker fee of 1% is far above the 0.2% site median and above 0% at ActivTrades
  • Withdrawals cost $5 flat fee, which adds to every round trip
  • Support runs on help centre only, with no live channel listed

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

eToro

Who it suits

  • Readers who want a supervised custodian and a licence to point to
  • Buyers who fund with a card or a bank transfer rather than a crypto transfer
  • Long-term holders who want staking alongside a broad coin list

Who should look elsewhere

  • Active traders, since 0% at ActivTrades costs nothing to take liquidity
  • Readers hunting the lowest taker fee, where bunq charges fees of 0.25% to 1.99%
  • Anyone holding coins themselves, because custody here is custodial per custodial and staking

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

eToro

What does eToro charge to trade?+

Trading fees are 1%, which is a full percentage on each trade. That reads high next to the 0.2% site median and next to bunq, which charges fees of 0.25% to 1.99%. Frequent traders pay that rate repeatedly, so it is the number to check first.

What does it cost to withdraw crypto?+

Withdrawals carry a fee of $5 flat fee. That sits on top of the 1% trading fee, so the full cost of a buy and a sell includes both. Anyone moving coins in and out regularly should add that withdrawal cost to the trading rate before choosing.

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

eToro

Visit

Kraken

Visit