Porównanie giełd kryptowalut

How to Read This Comparison

The score bars

Each exchange is rated on four dimensions: fees, coin variety, security, and ease of use. Scores are on a 1-10 scale based on our analysis of publicly available data, regulatory filings, security track records, and hands-on testing. A score of 10 doesn't mean perfect — it means best-in-class relative to the other exchanges in this comparison. MEXC scores 10/10 on fees because it has the lowest trading fees of any major exchange (0% for makers, 0.05% for takers), while Coinbase scores 4/10 because its default fees (0.40% maker, 0.60% taker) are the highest among the eight exchanges compared here.

The cost calculator

Enter the amount you want to invest and select your deposit method (bank transfer or card). The tool calculates the real total cost per exchange: deposit fee + trading fee. The trading fee uses the taker rate, which is what most beginners pay when placing a market order. This turns abstract percentages into actual dollar amounts you can compare instantly. The difference between exchanges is often much larger than people expect — buying $1,000 of crypto via card costs just $5.50 on MEXC but $46.00 on Coinbase. That's a $40.50 difference on a single trade, and it compounds significantly for anyone making regular purchases.

"Best for..." badges

These are automatically calculated from the data — not editorial opinions we've chosen in advance. "Cheapest" goes to the exchange with the lowest combined cost (deposit + trading fee) for your selected amount and payment method. "Most coins" goes to whichever exchange lists the most cryptocurrencies. "Most secure" goes to the highest security score. "Best for US" goes to the highest-scoring exchange available in North America. These badges update dynamically — change the region filter from "All" to "Europe" and the badges recalculate for that subset. Switch from bank transfer to card and "Cheapest" may change because card deposit fees vary dramatically between exchanges.

Compare mode

If you've narrowed your choice down to 2-3 exchanges, use compare mode to see them side by side without the distraction of the others. Click the checkbox on each exchange you want to compare, then click "Compare selected." All other exchanges are hidden, making it easy to do a final evaluation of your shortlist. Click "Clear" to return to the full view. This is particularly useful once you've filtered by region and want to do a detailed comparison of your remaining options.

Choosing the Right Exchange: What Actually Matters

Fees are the most important factor for long-term investors

If you plan to invest regularly — monthly purchases, dollar-cost averaging, building a portfolio over time — the difference in fees between exchanges compounds into substantial amounts. A 0.50% difference in total cost per trade doesn't sound like much, but on $500 invested monthly, it amounts to $30 per year. Over five years, that's $150 lost to fees that could have been invested instead. Our cost calculator above shows you the exact impact for your investment size and preferred payment method. For the lowest possible fees on regular purchases, use bank transfers (free on most exchanges) and limit orders (maker fees are lower than taker fees on every exchange).

Coin variety matters more than you might think

If you only plan to buy Bitcoin and Ethereum, every exchange on this list will serve you well. But if you want to explore altcoins, Layer 2 tokens, DeFi protocols, AI tokens, or newer projects, the difference in selection is enormous. MEXC lists over 2,200 coins — including many tokens within days of their initial listing. Gemini lists around 150, focusing on more established projects. Neither approach is inherently better; it depends on whether you value early access to new tokens (higher risk, higher potential) or a curated selection of vetted projects (lower risk, less discovery).

Security should be a baseline, not a differentiator

All eight exchanges in this comparison employ standard security practices: two-factor authentication, cold storage for the majority of assets, and withdrawal whitelisting. Where they differ is in their track records and regulatory oversight. Kraken has never been hacked in over 13 years of operation. Coinbase is publicly traded on NASDAQ and subject to SEC oversight. Bybit suffered a $1.5 billion hack in 2025 but made all affected users whole — a testament to their reserves even though it exposed a vulnerability. The most important security decision is ultimately yours: enable 2FA on every exchange account, use a unique password, and consider moving long-term holdings to a hardware wallet where you control the private keys.

Your region determines your options

If you're in the United States, your primary options are Coinbase, Kraken, and Gemini — all three are regulated and licensed to operate in most US states. Binance, Bybit, MEXC, Gate.io, and KuCoin are not available to US residents. If you're in Europe, all eight exchanges are accessible, giving you the full range to compare on fees, features, and coin selection. Use the region filter above to see which exchanges serve your area, and the badges will automatically recalculate to show you the best options within your available choices.

Najczęściej zadawane pytania

Która giełda kryptowalut ma najniższe opłaty?

MEXC has the lowest trading fees of any major exchange — 0% for maker orders (limit orders) and just 0.05% for taker orders (market orders). This means placing a limit order on MEXC is completely free, regardless of the trade size. For context, the same trade on Coinbase would cost 0.40-0.60%, which is 8-12x more expensive. However, trading fees are only one component of total cost. Deposit fees (especially for card payments) and withdrawal fees also matter. Our Kalkulator opłat shows the complete cost picture including all three fee types.

Która giełda kryptowalut jest najlepsza dla początkujących?

Coinbase is the most beginner-friendly exchange. Its interface is specifically designed for first-time buyers — you can purchase Bitcoin in under five minutes with a debit card without understanding order books or trading pairs. The tradeoff is higher fees (0.60% taker fee + 3.99% card deposit). Bybit and Binance both offer simplified "Buy Crypto" modes that rival Coinbase's simplicity but with significantly lower fees. If you want the absolute easiest experience regardless of cost, use Coinbase. If you're willing to spend ten minutes learning how to place a limit order, Binance or Bybit will save you money on every single trade. Our Exchange Finder quiz gives a personalized recommendation based on your experience level and priorities.

Która giełda kryptowalut jest najbezpieczniejsza?

Kraken has the strongest security track record — it was founded in 2011 and has never experienced a successful hack, making it the longest-running major exchange without a security breach. Coinbase and Gemini are both regulated in the United States, publicly audited, and maintain insurance coverage for digital assets held on the platform. Coinbase is additionally publicly traded on NASDAQ, which subjects it to SEC reporting requirements and independent audits. Binance and Bybit both publish proof-of-reserves reports showing they hold sufficient assets to cover all user deposits. No exchange is immune to risk — even well-secured platforms can be targeted — which is why security experts recommend transferring long-term holdings to a personal hardware wallet where you control the private keys.

Should I use bank transfer or card to deposit?

Bank transfer is almost always the better choice if you can wait 1-3 business days. Most exchanges offer free bank deposits (SEPA in Europe, ACH in the US), meaning you pay nothing to move money onto the platform. Card deposits are instant but carry fees ranging from 1.8% (Binance) to 3.99% (Coinbase). On a $1,000 deposit, that's the difference between $0 and $40 in fees before you've even made a trade. Use the cost calculator at the top of this page to see the exact impact for your specific amount. The only scenario where a card deposit makes sense is if you need to buy immediately — for example, during a significant price drop where waiting three days could mean a meaningfully different entry price.

Can I use multiple exchanges at the same time?

Yes, and many experienced investors do. A common strategy is to use a low-fee exchange like MEXC or Binance for regular trading, while keeping a regulated exchange like Coinbase or Kraken for fiat on/off ramps (converting between traditional currency and crypto). Some investors also use different exchanges for different coins — MEXC or Gate.io for access to newly listed altcoins, and Binance or Coinbase for major assets like Bitcoin and Ethereum. There's no cost to maintaining accounts on multiple exchanges, and it provides redundancy in case one platform experiences downtime or issues.

Jaka jest różnica między opłatami dla twórców i biorców?

When you place a zlecenie rynkowe (buy or sell at the current price, executed instantly), you're a "taker" — you're taking liquidity from the order book. When you place a limit order (set your own price, executed only when the market reaches that price), you're a "maker" — you're making liquidity by adding an order to the book. Maker fees are lower on every exchange because you're providing a service (liquidity) that the exchange values. On MEXC, maker fees are 0% — completely free. Learning to use limit orders instead of market orders is one of the simplest ways to reduce your trading costs, and it takes about five minutes to learn.

Czy moje środki są ubezpieczone na giełdzie kryptowalut?

It depends on the exchange and the type of asset. Coinbase insures USD balances up to $250,000 through FDIC (the same insurance that covers bank deposits), but this only covers the cash balance — not the value of crypto holdings. Gemini maintains private insurance for digital assets held in their hot wallet. Most other exchanges maintain reserve funds rather than formal insurance — Binance has the SAFU fund (Secure Asset Fund for Users), and Bybit demonstrated its reserves by making all users whole after the $1.5 billion hack in 2025. However, no exchange provides the equivalent of full FDIC insurance on crypto holdings. This is a fundamental reason why security-conscious investors transfer significant holdings to self-custody wallets.

Jak wybrać między Binance a Coinbase?

This is the most common comparison question, and the answer depends almost entirely on where you live. If you're in the United States, Coinbase is the clear choice — Binance is not available to US residents. If you're outside the US, Binance offers lower fees (0.10% vs 0.40-0.60%), more coins (445+ vs 260+), more advanced trading features, and a wider range of deposit options. Coinbase's advantages are its regulatory standing, beginner-friendly interface, and the security of being a publicly traded company. For European or Asian users who prioritize low fees and coin variety, Binance is typically the better choice. For those who prioritize regulation and simplicity above all else, Coinbase wins.

What happens if an exchange gets hacked?

The outcome depends entirely on the exchange's reserves and insurance. When Bybit was hacked for $1.5 billion in 2025, all affected users were made whole — the exchange covered the losses from its own reserves. When the FTX exchange collapsed in 2022, users lost billions and the recovery process took years through bankruptcy proceedings. The key differentiator is whether the exchange maintains sufficient reserves to cover losses. Proof-of-reserves reports (published by Binance, Bybit, Kraken, and others) provide some transparency, though they aren't a guarantee. The safest approach is to keep only what you're actively trading on an exchange and move long-term holdings to a hardware wallet where you — not the exchange — control the private keys.

How often does exchange fee data change?

Trading fees (maker/taker rates) change infrequently — most exchanges update their base fee structure once or twice per year at most. Deposit and withdrawal fees can change more often, particularly for card deposits which depend on third-party payment processors. We manually verify all data in this comparison periodically and display the last verification date at the top of the tool. For the most current fee information, always check the exchange's official fee page before making a transaction. Our Kalkulator opłat is maintained separately with more granular fee data including per-coin withdrawal fees.

Zastrzeżenie: This comparison is for educational purposes and does not constitute financial advice. Cryptocurrency is a high-risk, volatile asset class. Data verified kwiecień 2026. Fees and features can change — always confirm on the exchange's official website before signing up. We earn affiliate commissions through signup links, which costs you nothing extra and often includes a signup bonus or fee discount. Ujawnienie informacji o partnerach.