How does Kraken's pricing compare with Anytime Capital's?

Kraken Pro is an order book with a published maker and taker schedule for trades inside a funded account. A card purchase in the Kraken app carries a processing fee of about 3.75% plus a 1% Instant Buy fee plus a spread, three separate lines. Anytime Capital starts from 4% with the spread included, one all-in number, with the amount you pay and the crypto you receive shown before you confirm.

Does Kraken have a phone number?

Not one you can dial. Kraken offers 24/7 live chat and tickets, with voice callbacks only from inside the app for specific issues, and it warns that any Kraken phone number found online is a scam. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Is Kraken available in New York?

No. Kraken left New York in 2015 rather than apply for a BitLicense and still does not serve New York or Washington residents. Anytime Capital serves customers wherever they are, and inside the U.S. availability depends on identity verification and state eligibility. The fastest way to check is to start an order or call (470) 748-2530.

Can I buy crypto with cash on Kraken?

No. Kraken accepts debit cards, Apple Pay, Google Pay, ACH and wire for U.S. customers, and no credit cards. Anytime Capital accepts cash in person at the Atlanta branch and cash by mail from anywhere in the United States.

Has Kraken ever been hacked?

Kraken has not suffered a major breach of its exchange systems since it opened in 2011, and it publishes proof-of-reserves attestations. It is custodial, though, so your coins sit in Kraken's wallet until you withdraw them. Anytime Capital delivers purchases to a wallet you control.

Can I switch from Kraken to Anytime Capital without moving my crypto?

Yes. Withdraw from Kraken to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Kraken?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Kraken prices a card processing fee of about 3.75% on debit card, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread, roughly 3.75% on the headline, with network fee on crypto withdrawals; free ACH cash-out, a small fee on Fedwire withdrawals. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Head to head

Kraken

Our pick

Kraken vs Anytime Capital

Kraken is the exchange traders respect: founded in 2011, never breached, built around the Kraken Pro order book, and unavailable in New York by its own choice. Its simple app is a different animal, stacking a card fee of about 3.75% on a 1% Instant Buy fee and a spread. Anytime Capital is a U.S. money services business that serves customers worldwide, with card pricing from 4% and the spread included, cash and same-day wire, a phone number, and an Atlanta branch. Here is the honest breakdown.

Card orders from 4% all in, versus about 3.75% plus 1% plus spread on Kraken's app
Cash in branch, cash by mail, Cash App and same-day wire that Kraken does not offer

Kraken vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

Category	Kraken	Our pick
Card purchase fee	A card processing fee of about 3.75% on debit card, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.40% taker / 0.25% maker on Kraken Pro at the base tier	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Fedwire deposits accepted through Kraken's banking partners	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 live chat and email tickets; voice support only through the app in specific cases	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Kraken serves most of the United States through Payward Ventures, Inc., but has refused New York since the 2015 BitLicense rather than apply for one, and does not serve Washington State; some products are also restricted in Maine and a few other states.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every U.S. account; Pro and higher limits ask for proof of address.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Kraken has an institutional OTC desk; retail customers are steered to Kraken Pro rather than a named trader	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered with FinCEN as a money services business and licensed as a money transmitter in most states; the SEC's 2023 lawsuit against Kraken was dismissed in March 2025; Kraken has published proof-of-reserves attestations since 2014.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Kraken: A card processing fee of about 3.75% on debit card, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Kraken: 0.40% taker / 0.25% maker on Kraken Pro at the base tier
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash