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Euro (EUR): sell crypto and withdraw EUR to your bank via SEPA (Kraken)
A plain walkthrough of the steps in Kraken's own help pages, for a sale into euro and a SEPA bank withdrawal. Screens change, so treat the official pages linked below as the source of truth. This is not financial or tax advice.
Before you start
- Availability depends on your country of residence: Kraken serves EEA clients under its Irish licenses, and some products have country-level restrictions. Check Kraken's eligibility pages for your country before you start.
- SEPA withdrawals pay out in euro to a bank account that accepts SEPA transfers, under the same legal name as your verified Kraken account. A bank outside the euro area may convert the euros and charge its own fees.
- Only withdraw to a bank account you control, not to a third-party payment processor.
1. Sell the crypto
- In the Kraken app: tap +, then Sell, and pick the asset you hold.
- Enter the amount (you can switch between cash value and crypto amount). The cash is credited in the default currency saved in the app; to receive euro, set EUR in Account settings before you sell.
- Tap Continue to review the sale, then Confirm. Your new cash balance appears in Portfolio.
2. Withdraw to your bank
- On the Kraken website: Transfer tab, then Withdraw. Choose the asset (euro).
- Under Method, choose a SEPA option (SEPA or SEPA Instant, depending on the provider shown), then add your bank account the first time, using a nickname and the name on the account.
- Select the bank account, enter the amount (numbers only, no currency symbols), click Review Withdrawal, check the details and click Withdraw.
Fees, timing and limits to watch
- Fees and timing: Kraken lists SEPA withdrawals at €1 (minimum €2, 0-5 business days) and SEPA Instant at €0.90 via ClearJunction (near-instant, though bank compliance checks can delay it). SWIFT costs €5 with a €100 minimum. Checked Oct 25, 2026.
- Trading fees: this calculator models the Kraken Pro order-book fee (0.80% taker at the base tier; USDT/EUR uses the stablecoin schedule at 0.20% taker). The one-click sell in the app is a different product, with a 1% fee plus a spread. Compare the fee shown on the review screen before you confirm.
- Taxes are not included in any estimate here, and tax rules differ from country to country.