Best for: Buyers across the EU who want bank transfers to drop bitcoin straight into a wallet they control.
Consider if: You value transparent pricing but are okay with your trades executing on a crypto exchange (Kraken).
Not ideal when: You need Lightning payouts or non-EU payment rails today.
Gotcha: Use a new address for each long-term purchase so you do not expose your full balance.
Gotcha: Transfers that miss the payment message are refunded, so copy it exactly.
Gotcha: High network congestion can slow confirmations even though the payout was broadcast.
Service fee: 1.5%
What happens:
Pocket deducts the 1.5% service fee, executes the remaining balance on Kraken, and converts it to bitcoin before payout.
Save money:
Send fewer, larger transfers so the flat 1.5% covers more sats instead of lots of tiny buys.
The payout screen shows the Kraken price and timestamp so you can verify the execution.
Typically 500–1000 sats per payout
What happens:
Pocket batches many customer payouts into one transaction so everyone shares the mining fee.
Save money:
If you fund multiple buys in a day to the same address, Pocket can combine them into one payout to reuse the fee.
Pocket publishes the miner fee on the receipt so you can see how much of the transaction cost you carried.
No. Pocket executes each order on Kraken and shows you the live rate they used so you can compare it to the public order book.
Pocket reports that batching keeps most payouts in the 500–1000 sat range, which equals roughly 10–25 euro cents at recent prices.
Yes. If you send several payments to the same address in one day, Pocket can include them in a single batched transaction so the fee is paid once.
Best for: Eurozone customers funding recurring buys from their primary bank.
| Min per transaction | Set by your bank |
|---|---|
| Max per transaction | Set by your bank |
| Max per day | Set by your bank |
| Max per week | Set by your bank |
| Withdrawal eligibility | N/A |
Best for: Eurozone customers wanting instant settlement via SEPA Instant.
| Min per transaction | Set by your bank |
|---|---|
| Max per transaction | Set by your bank |
| Max per day | Set by your bank |
| Max per week | Set by your bank |
| Withdrawal eligibility | N/A |
Self custody from day one No platform balances
Pocket never holds a custodial balance; every order pays straight to your address so your bitcoin stays under your control.
Gotcha: If you rotate wallets, update your address before sending the next transfer so the payout does not land in an old account.
Shared mining cost Lower average sats spent
Pocket combines many payouts into one transaction so each account shoulders only a fraction of the mining fee.
Gotcha: During heavy mempool congestion, Pocket may still pay a higher fee to clear the batch promptly.
Live exchange rate Caveat: Crypto exchange backend
Pocket routes your fiat through Kraken and hands you the exact rate so you can prove there is no hidden spread. That still leans on Kraken staying online, so keep a backup payout plan if the exchange stalls.
Gotcha: Pocket is a broker, not a marketplace. Trades rely on Kraken's uptime and liquidity.
Standing orders Auto-invest to your wallet
Pocket lets you automate SEPA transfers so every run stacks sats in your own wallet without manual withdrawals.
Gotcha: If you change the payout address, update the recurring order first so the next batch does not go to the old one.
Pocket pays every order to your address, so you need a wallet capable of receiving bitcoin securely.
Gotcha: Never store the seed digitally; Pocket cannot help you recover it if it is lost.
Each order needs a fresh receive address so payouts stay private and trackable on your side.
Gotcha: Avoid reusing older addresses; Pocket's batch payouts make reused addresses easier to cluster.
A test transfer confirms your bank message, payout address, and wallet notifications before scaling up.
Gotcha: Your first transfer may settle slower if your bank flags the new beneficiary.
Once you trust the flow, a standing order keeps stacking sats directly to cold storage without daily effort.
Gotcha: Update the standing order before changing addresses; banks batch instructions by business day.
Pocket suggests fresh addresses for long-term privacy, but you can reuse the same one in a single day when you want payouts to share a mining fee.
No. Once the transaction confirms, only wallets with that seed can spend the sats, so double-check addresses before you send the bank transfer.
Contact the bank with the invoice Pocket provides or try a different account. Pocket refunds unmatched transfers automatically.
Non-custodial payout overview
Can Pocket access my bitcoin?Privacy policy October 2025
Privacy noticeTerms & conditions for EU users
Terms of service
Pocket Bitcoin stands out with its non-custodial model, sending Bitcoin directly to your wallet without holding funds, and a no-account, KYC-light approach for daily buys up to €1,000 | 0.01 BTC | 0.0...
Pocket Bitcoin stands out with its non-custodial model, sending Bitcoin directly to your wallet without holding funds, and a no-account, KYC-light approach for daily buys up to €1,000 | 0.01 BTC | 0.01 BTC, prioritizing privacy. It offers one-off or recurring buys via bank transfer, with a 1.5% fee and no withdrawal fees, supporting select hardware wallets like Trezor and Ledger with message signing.
Pocket executes your buy on Kraken and broadcasts the payout straight to the address you confirmed, using the lowest mining fee it can attach. You can watch the transaction land in your wallet without waiting for a withdrawal queue.
Pocket applies a 1.5% service fee that covers all operating costs without touching the exchange rate. You can confirm the calculation on the payout screen before your transfer settles.
Pocket batches many customer payouts into one transaction so each order only pays a share of the mining fee, which usually lands around 500–1000 sats. You can reuse the same address for multiple transfers in a day when you want those payouts to share a fee.
Pocket routes every buy through Kraken at the live market price and passes that rate to you without a hidden spread. You can match their timestamp against Kraken's public order book for verification.
Pocket lets you set up one-off or auto-invest bank transfers that pay out directly to your own wallet instead of a custodial balance. You can build a position over time while staying in control of your keys.
