Buying crypto in Poland has changed a lot. Since the EU’s Markets in Crypto-Assets Regulation (MiCA) became fully binding on 1 July 2026, any exchange serving Polish residents must hold a MiCA licence from an EU regulator, which it can then use across the whole EU. Several well-known names did not make the cut: Binance has no MiCA licence and has said it is restricting its services in Poland and other EU countries, and Gemini closed all its European accounts in April 2026.
Poland is also a special case: it has not yet adopted the national law that implements MiCA, after the president vetoed the crypto bill for the third time just before the deadline. The EU rules still apply, and exchanges licensed in another EU country can serve Polish clients, but check that your exchange holds a MiCA licence from another member state.
MiCA brings rules on custody, conflicts of interest and marketing, but it does not make crypto safe. Prices remain extremely volatile, and there is still no investor compensation scheme if an exchange fails or you lose your crypto. Scams are also common, so check any platform against ESMA’s register of MiCA-authorised providers before you deposit.
In this article, we compare the best MiCA-licensed crypto exchanges for Polish residents (checked in September 2026) to help you find the right one for your needs.
Best cryptocurrency exchanges in Poland for 2026
Coinbase
US-listed exchange founded in 2012 with over 100 million verified users, known for its simplicity. It offers 250+ crypto assets, staking and, through Coinbase Advanced, lower fees for active traders. New users can earn a signup bonus.
Crypto.com
With 250+ crypto assets, Crypto.com offers a wide range of crypto services, including a Visa crypto card with cashback and staking rewards.
Kraken
One of the oldest crypto exchanges (founded 2011), with low fees on Kraken Pro, 24/7 support and a strong security record.
eToro
A Nasdaq-listed multi-asset platform where you can hold crypto next to stocks and ETFs, with copy trading and a simple app. It is also the platform Gemini chose to help its European clients move their assets.
| Exchange | Crypto assets | Trading fees | Min. deposit | MiCA licence |
| Coinbase | 250+ | 0.40% to 0.60% on Advanced (more on simple buys) | €50 | CSSF (Luxembourg) |
| Crypto.com | 250+ | Depends on product and tier | €20 | MFSA (Malta) |
| Kraken | 185+ | 0.25% to 0.40% on Kraken Pro (more on simple buys) | €1 | Central Bank of Ireland |
| eToro | 60+ | 1% per buy and per sell | $100 | CySEC (Cyprus) |
Fees are the base (lowest-volume) tier and exclude spreads, which can add significantly to the cost of simple buys. Checked in September 2026 and subject to change.
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Crypto investments are risky and may not suit retail investors: you could lose your entire investment.
Best cryptocurrency exchanges in Poland reviewed
#1 Coinbase
Coinbase at a glance
Coinbase is a cryptocurrency exchange founded in 2012 and listed on Nasdaq (ticker: COIN), with more than 100 million verified users worldwide. It combines a user-friendly interface with a large range of crypto assets and a big library of beginner-friendly educational content. Both the website and the apps for Android and iOS are easy to use, which makes it an excellent choice for beginners. More active traders can switch to Coinbase Advanced (formerly Coinbase Pro), which has proper order types and much lower fees than simple buys.
Coinbase serves Polish residents under a MiCA licence, which requires it to keep client crypto segregated, follow strict anti-money laundering rules and publish clear information on fees and risks. Your euro or złoty balance is held as e-money and safeguarded, but it is not covered by a deposit guarantee scheme, and your crypto is not covered by any investor compensation scheme. Coinbase keeps most client crypto in cold storage and has crime insurance that covers part of the crypto it holds in hot wallets against theft; that insurance does not cover losses from your own account being compromised.
Coinbase also offers staking on selected assets and “learn and earn” rewards. Known for its simplicity and security, it is our top pick among the best crypto exchanges in Poland.
#2 Crypto.com
Crypto.com at a glance
Crypto.com, founded in 2016, is an exchange with more than 100 million users worldwide. It has become one of the most popular crypto platforms in Poland thanks to its wide range of services. It serves EU clients under a MiCA licence from the Malta Financial Services Authority, which requires it to follow EU rules on custody and anti-money laundering, although your crypto is not covered by any compensation scheme.
Crypto.com stands out for its extensive list of services: staking rewards, a crypto wallet and a Visa crypto card that lets you spend crypto and earn cashback. If you hold and stake the platform’s native token, Cronos (CRO), you can lower your fees and earn higher card rewards, but that means taking on the price risk of CRO itself.
Beginners may find the app busy at first, with many products competing for attention. Fees also vary a lot between the simple app purchase and the exchange, so compare the final price before you buy. Still, the range of services and assets makes Crypto.com worth considering among the best crypto exchanges in Poland.
#3 Kraken
Kraken at a glance
Founded in 2011, Kraken is one of the world’s oldest and most reputable crypto exchanges. On Kraken Pro, fees start at 0.25% for maker orders and 0.40% for taker orders and fall as your monthly volume grows, while simple purchases in the basic app cost more. It offers 24/7 customer support via live chat, a strong security record and good educational resources for beginners and experienced traders.
Kraken also offers staking on a range of assets, with rewards that vary by coin and change over time. It keeps most client funds in cold storage and publishes regular proof-of-reserves audits.
Kraken serves EU clients under a MiCA licence from the Central Bank of Ireland. As with every exchange on this list, there is no compensation scheme if the exchange fails. For those seeking a solid, transparent and low-cost exchange, Kraken is one of the best crypto exchanges in Poland.
#4 eToro
eToro at a glance
52% of retail CFD accounts lose money.
eToro was founded in 2007, added crypto in 2013 and has been listed on Nasdaq (ticker: ETOR) since May 2025. It is best known for social and copy trading, which lets you follow and copy other investors, and for its simple mobile and web apps. Its main advantage over the pure crypto exchanges is that you can hold crypto next to real stocks and ETFs in one account.
eToro offers 60+ crypto assets, including Bitcoin, Ethereum and Solana, and staking on selected coins, with rewards paid in the same token. You can also move crypto to its own wallet app. The trade-off is cost: eToro charges 1% on each crypto buy and sell, which is more than Coinbase Advanced or Kraken Pro.
Polish clients are served by eToro (Europe) Ltd, authorised by CySEC and licensed under MiCA for crypto. When Gemini left Europe in 2026, it partnered with eToro to help its European clients transfer their assets. If you want to know more, read our eToro review.
How to choose the best crypto app in Poland
There are several things to consider when choosing a crypto exchange in Poland:
- MiCA licence: since 1 July 2026, only exchanges authorised under MiCA may serve Polish residents. Check the provider on ESMA’s register before you deposit.
- Range of crypto assets: check whether the platform offers a wide range or only the most established coins. Note that Tether (USDT) is no longer available on MiCA-licensed platforms.
- Fees: compare the full cost, including the spread, especially on simple “buy” buttons, which usually cost much more than the exchange’s order book.
- User interface and ease of use: a simple app helps beginners avoid mistakes.
- Deposits: check how you can fund your account (card, BLIK or bank transfer in PLN or EUR) and whether there is a minimum deposit or a currency conversion cost.
- Services offered: if you want to spend crypto, look for a crypto card. If you want to hold for the long term, compare staking rewards and custody options. Derivatives are much riskier and not suitable for most investors.
How is crypto taxed in Poland?
In Poland, gains on crypto are taxed at a flat 19%. You pay tax when you sell crypto for złoty or another fiat currency, or use it to pay for goods and services, and you report it each year in the PIT-38 return. Swapping one cryptocurrency for another is not a taxable event in Poland.
Your taxable income is the difference between what you received and what you spent buying crypto, and costs that exceed your income in one year can be carried forward to the next. Crypto results cannot be offset against gains on stocks or ETFs. Exchanges do not file this for you, so keep a record of every purchase and sale, and check the Ministry of Finance’s tax portal or a tax adviser for your situation.
Bottom line
To sum it up, these are our top picks:
Coinbase
Best for beginnersCrypto.com
Best for a crypto cardKraken
Best for low fees and supporteToro
Best for holding crypto next to stocks
Choosing the right exchange is critical to protecting your crypto and avoiding scams and unsafe platforms. Since July 2026, the first filter is simple: only use an exchange with a MiCA licence. Within that group, weigh fees, the assets available and the extra services you actually need.
Keep in mind that crypto remains highly volatile, and MiCA does not protect you from price falls or give you a compensation scheme if an exchange fails, unlike the investor protection that covers stocks held at a regulated broker. Only invest money you can afford to lose, and remember that gains are taxable in Poland at 19%.
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Crypto investments are risky and may not suit retail investors: you could lose your entire investment.
FAQs
What is a crypto exchange?
A crypto exchange is an online marketplace where you can buy and sell cryptocurrencies for other cryptocurrencies or for regular money such as PLN or EUR. Most exchanges are centralised: like a stock exchange combined with a broker, they match buyers and sellers and hold your assets for you. Decentralised exchanges instead use smart contracts on a blockchain to swap assets directly from your own wallet, without a company in the middle, which also means no customer support if something goes wrong.
What are the best crypto exchanges for beginners?
Coinbase and eToro are the simplest to start with, and all the exchanges in this list are among the best exchanges for beginners, each with its own strengths.
Is Binance available in Poland?
Binance did not obtain a MiCA licence before the end of the transition period on 1 July 2026, and it named Poland among the EU countries where it is restricting its services. ESMA has told unlicensed providers to wind down their EU activities, so check our Binance countries page and ESMA’s register for its current status before opening an account.
Can I still use Gemini in Poland?
No. Gemini closed all customer accounts in the UK, the EEA (including Poland) and Australia on 6 April 2026. Former customers can still withdraw any remaining assets.
How much tax do I pay on crypto in Poland?
Gains on crypto are taxed at a flat 19% and reported in the PIT-38 return. Only selling crypto for fiat or paying with it is taxable; swaps between cryptocurrencies are not.
