Crypto exchange ranking 2026 — MiCA-licensed exchanges only
Since 1 July 2026 crypto exchanges may legally serve clients in Poland only under a MiCA (CASP) authorisation issued in an EU member state. For users in Poland the most convenient are exchanges that let you hold and withdraw zloty: Revolut X and Bitpanda. Bybit EU accepts PLN and BLIK with low fees, while OKX, Crypto.com, Coinbase and Kraken work mainly in euro. Binance and Bitget have no MiCA licence and are not listed.
Ranking of MiCA-licensed exchanges
| Exchange | MiCA licence | PLN balance (deposit / withdrawal) | BLIK | Spot fee maker / taker | Polish interface | |
|---|---|---|---|---|---|---|
| 1. Revolut XMiCA | CY · CySECRevolut Digital Assets Europe Ltd · 20.10.2025 | yes / yes | no | 0% / 0.09% | yes | Go to exchange |
| 2. BitpandaMiCA | AT · FMABitpanda GmbH · 09.04.2025 | yes / yes | no | 0.25%* | yes | Go to exchange |
| 3. Bybit EUMiCA | AT · FMABybit EU GmbH · 28.05.2025 | yes / no | yes | 0.10% / 0.25% | no | Go to exchange |
| 4. OKX EuropeMiCA | MT · MFSAOKX Europe Limited · 27.01.2025 | no / no | yes | 0.20% / 0.35% | yes | Go to exchange |
| 5. Crypto.comMiCA | MT · MFSAForis DAX MT Limited · 27.01.2025 | no / no | not confirmed | 0.25% / 0.50% | yes | Go to exchange |
| 6. CoinbaseMiCA | LU · CSSFCoinbase Luxembourg S.A. · 20.06.2025 | no / no | yes | 0.40% / 0.60% | yes | Go to exchange |
| 7. KrakenMiCA | IE · CBIPayward Europe Solutions Limited · 25.06.2025 | no / no | not confirmed | 0.40% / 0.80% | yes | Go to exchange |
* Bitpanda: flat 0.25% fee. Fees are the base tier (no volume discounts), as of September–October 2026. Exchanges change their pricing — Kraken raised its taker fee to 0.80% in July 2026. Check the current fee schedule before trading.
How we ranked
- MiCA (CASP) licence in an EU state — a condition for being listed. Without it an exchange cannot legally serve clients in Poland.
- Ability to hold and withdraw PLN — without it you lose on FX conversion to euro with every deposit and withdrawal.
- Base-tier taker fee — what most people pay when buying at market price.
- BLIK and a Polish interface — convenience for beginners.
The order follows only the criteria above. Some links may be affiliate links — we may earn a commission, but it does not affect the order or your terms.
Each exchange in brief
1. Revolut X — The exchange inside the Revolut app: the lowest fees here (0% maker, 0.09% taker) and a zloty balance. Requires a Revolut account; card purchases go through an account top-up, not the exchange itself. Go to exchange →
2. Bitpanda — Austrian broker with full PLN support (deposit and withdrawal) and a Polish interface. Simple for beginners; trading mainly on euro markets. Go to exchange →
3. Bybit EU — Accepts PLN by bank transfer and BLIK (BLIK: 0.9% + PLN 0.50) and has PLN trading pairs (BTC, ETH, SOL, USDC). Low fees, but PLN withdrawal is not available and there is no Polish interface. Go to exchange →
4. OKX Europe — Polish interface and BLIK purchases, fees 0.20% / 0.35%. No PLN balance — settlement in euro. Go to exchange →
5. Crypto.com — Polish interface, fees 0.25% / 0.50%. Deposits mainly in euro (SEPA); card purchases are expensive (up to 4%). Go to exchange →
6. Coinbase — One of the best-known exchanges, Polish interface and BLIK. Higher spot fees (0.40% / 0.60%), no PLN balance. Go to exchange →
7. Kraken — Established exchange with a Polish interface, but since July 2026 with a high entry taker fee (0.80%) and deposits mainly in euro. Go to exchange →
Other MiCA-licensed exchanges
MiCA authorisation is also held by, among others, Bitstamp (LU, CSSF), Bitvavo (NL, AFM), Gemini (MT, MFSA), KuCoin (AT, FMA), Gate (MT, MFSA). We left them out of the table because we have not verified their PLN payment terms.
Why MiCA only — the legal situation in Poland
The MiCA regulation applies directly in all EU states. The transitional period for existing providers ended on 1 July 2026 — since then crypto-asset services may be provided only with a CASP authorisation.
Poland still has no national act implementing MiCA. The President vetoed the crypto-asset market act on 11 June 2026, and on 4 September 2026 the Sejm failed to override the veto (241 votes in favour, 266 needed). As a result there is no Polish authority issuing licences.
Clients in Poland can therefore be legally served by exchanges authorised in another EU state that have notified cross-border activity (the so-called passport). Check the status in the ESMA register by searching the company name, not the brand.
What is not in the ranking
- Binance — no MiCA authorisation; since July 2026 service for EEA users is restricted.
- Bitget — no MiCA authorisation, its application was pending.
- zondacrypto (formerly BitBay) — BB Trade Estonia OÜ is in bankruptcy.
Crypto tax in Poland
- Income from selling crypto for zloty or other fiat currencies, or from paying for goods and services with it, is taxed at 19%.
- Exchanging one cryptocurrency for another is tax-neutral.
- You report it in PIT-38 by 30 April of the following year. Costs exceeding revenue carry forward to the next year.
How to start safely
- Check the company in the ESMA register before depositing money.
- Enable two-factor authentication (2FA) and never share codes.
- Keep larger amounts you don't plan to sell in a hardware wallet, off the exchange.
- Invest only money you can afford to lose.
FAQ
Which crypto exchange is best for users in Poland in 2026?
By our criteria: Revolut X (lowest fees and a PLN balance) and Bitpanda (full PLN support and a Polish interface). For those who want BLIK and PLN trading pairs, Bybit EU is worth a look. All of them are MiCA-authorised.
Is Binance legal in Poland in 2026?
Binance has no MiCA authorisation. Since 1 July 2026, when the transitional period ended, exchanges without it cannot legally provide services to EU clients, and Binance's service for EEA users is restricted.
Is money on a crypto exchange protected like in a bank?
No. Crypto-assets are not covered by the Polish Bank Guarantee Fund. MiCA only requires an exchange to keep client assets separate from its own (art. 70 MiCA).
How do I check whether an exchange has a MiCA licence?
In the ESMA interim MiCA register, search for the company name, e.g. Bybit EU GmbH or Coinbase Luxembourg S.A. You will see the state and authority that issued the authorisation and the states where activity was notified.
Licences: ESMA register (as of 17.09.2026), casptracker.eu and legalnekrypto.pl. PLN deposits, BLIK and fees: bitcoin.pl comparison (08.09.2026) and exchange fee schedules. As of 18.10.2026.