Key takeaways
Reported: Binance emailed Polish customers of Binance Poland on Friday 6 November 2026 that accounts close on 31 December 2026, according to Bankier.pl. Binance's spokesperson confirmed that "affected accounts" close on that date but did not name Poland.
Status now: withdrawal-only since 1 July 2026. Trading, Earn and deposits are blocked, and new registrations are closed.
Fee snapshots: 23:59 UTC on 29 November and 24 December 2026. According to the notice, remaining crypto is charged 0.025% or 10 USDC, whichever is higher.
Polish context: Poland still has no national MiCA supervisor for crypto service providers, so Polish users can only be served by firms authorised in another EU country.
Affiliate disclosure: Crypto University may earn a commission if you sign up through some links in this article, at no extra cost to you. This does not affect our assessment.
Polish Binance users who still hold crypto on the exchange have seven weeks before closure, and less than three before the first fee snapshot. Bankier.pl reports that the message to Polish clients sets 31 December 2026 as the closing date for users served by Binance Poland, and introduces a holding fee on anything left behind.
Below is the timeline in one place, followed by the steps to take and the MiCA-authorised options that can serve Poland.
The timeline for Binance Poland customers
Date | What happens | Source |
|---|---|---|
24 Jun 2026 | Binance withdraws its Greek MiCA bid; new sign-ups stop. | Binance blog |
1 Jul 2026 | MiCA transition ends; accounts go withdrawal-only. | Bankier, KNF |
6 Nov 2026 | Closure and fee notice reaches Polish clients. | Bankier |
29 Nov 2026 | First snapshot and fee: 0.025% or 10 USDC. | Notice |
24 Dec 2026 | Second snapshot and fee. | Notice |
31 Dec 2026 | Accounts close; leftovers may be converted. | Binance; notice |
Snapshots are taken at 23:59 UTC, which is 00:59 the next day in Warsaw, and fees are taken within three days. "Notice" means the customer notice as published by Bankier.pl, and "Bankier" means its report. The closure date is also confirmed by a Binance spokesperson, while treating leftover assets as inactive comes from the notice. Binance announced the end of its Greek application in its 24 June blog post.
What Binance said, and what Bankier reports
A Binance spokesperson told CoinDesk on 7 November that "affected accounts will be closed with effect from 31 December 2026". The spokesperson said deposits are blocked, withdrawals of crypto and fiat remain open and there is "no sudden freeze". The spokesperson did not list countries. Poland's inclusion rests on the customer notice as reported by Bankier.pl, and on users quoted by CoinDesk.
Bankier.pl describes the accounts as already being in a withdrawal-only mode since July:
„Od 1 lipca bieżącego roku giełda znajdowała się w trybie »tylko do wypłaty«, blokując handel, usługi zarobkowe (Earn) oraz wpłaty."
In English: since 1 July the exchange has been in "withdrawal-only" mode, blocking trading, Earn and deposits. According to Bankier's summary of the notice, fees come out of USDC first and then other crypto at market rates. A balance below 10 USDC is taken in full, and anyone who withdraws all crypto and fiat, such as euros, before 29 November pays nothing. Binance has not published these fee terms in a public announcement.
What to do before 29 November
Make sure you're a Binance Poland customer. The notice applies to users served by the Polish company. Check the entity in your account terms. Binance's own guidance is to follow email and in-app notices and contact Binance support if unsure.
Export your transaction history. Polish taxpayers generally report crypto disposals in the annual PIT-38 return, and you'll need acquisition costs for every sale. Download the full history before the account closes and check the treatment with a tax adviser or the KAS.
Withdraw carefully. Bankier reports the notice tells users not to attempt deposits, because they fail and are slow and costly to recover. Send a test amount first, confirm the network, then move the rest to a wallet you control or a MiCA-authorised exchange. See our Binance exit checklist.
Ignore look-alike messages. Expect fake "final warning" emails and texts. Log in only through the official app or a URL you type yourself, and never share 2FA codes or seed phrases.
Check the ESMA register before choosing a new platform. Poland's own register of virtual-currency businesses is no longer enough, so confirm the provider is MiCA-authorised elsewhere in the EU with Poland listed as a host state.
MiCA-authorised alternatives passported to Poland
Because Poland has no national MiCA supervisor for service providers yet, the KNF says Polish clients can be served by providers authorised in another member state under the MiCA passport.
All three exchanges below run an EU entity authorised under MiCA, and the ESMA CASP register (updated 5 November 2026) lists Poland among each entity's host states, so each can serve Poland under the MiCA passport.
Name | EU entity and regulator | Spot fees (entry tier) | Best for |
|---|---|---|---|
OKX Europe Ltd, MFSA (Malta) | 0.20% / 0.35% | Low-fee spot | |
Payward Europe Solutions, CBI (Ireland) | 0.40% / 0.80% | EUR transfers | |
Bybit EU GmbH, FMA (Austria) | 0.25% flat | One simple rate |
EUR by SEPA:
OKX: no OKX fee on SEPA withdrawals (your bank may charge); check deposit costs on its SEPA deposit and withdrawal pages.
Kraken: €1 per SEPA withdrawal, €0.90 for Instant SEPA via ClearJunction; see its withdrawal and deposit fee pages.
Bybit: SEPA is "only supported for users in certain EU countries" and fees are shown in-app; see its deposit and withdrawal pages. Bybit EU also lists PLN deposits via BLIK.
Fees are maker / taker for spot trading at the entry tier, checked 10 November 2026 on each exchange's official fee page: OKX (fee page), Kraken (fee page), Bybit (fee page). Kraken's rate is for Kraken Pro; its app's instant buy charges 1% plus a spread. CBI is the Central Bank of Ireland. OKX's entry-tier rate drops to 0.080% / 0.100% if you also open a derivatives (X-Perps) account. Bybit has had no maker/taker split since 5 October 2026. Higher tiers pay less, and spreads, network fees and bank charges can apply on top.
To check the entities yourself, open their entries in the Crypto University MiCA tracker: OKX (tracker entry) and Bybit (tracker entry). For Kraken, use the ESMA register directly: the retail entity is Payward Europe Solutions Ltd (LEI 254900641D8KNHUZYX24).
Our assessment: OKX
Who it suits: Poland-based readers who want a full order-book exchange, run from a Malta-authorised EU entity, with no OKX fee on SEPA withdrawals. Trade-off: the lowest entry-tier spot rates (0.080% / 0.100%) apply only if you also open a derivatives account. Without one, it's 0.200% / 0.350%. Opening a derivatives account just to reduce fees adds access to riskier products, so weigh that first. Test first: a small SEPA deposit, then a small withdrawal back to the same IBAN. Check OKX
Our assessment: Kraken
Who it suits: readers who value a long-running exchange, Irish authorisation and clearly published EUR withdrawal costs. Trade-off: Kraken Pro's entry-tier spot fees (0.40% / 0.80%) are the highest of the three, and the app's instant buy charges 1% plus a spread. SEPA withdrawals cost €1. Test first: check that your account shows Payward Europe Solutions Ltd as the provider, and use limit orders on Kraken Pro rather than instant buy. Check Kraken
Our assessment: Bybit
Who it suits: readers who want one flat 0.25% spot rate with no maker/taker maths. Trade-off: Bybit EU says SEPA works only in certain EU countries and shows fees only inside the app, so confirm availability in Poland before you move money. Important: the MiCA-authorised entity is Bybit EU GmbH. Make sure you sign up on the EU platform and that your account terms name Bybit EU GmbH, not the global platform. Check Bybit
Sponsored
Moving off Binance in Poland? OKX Europe Ltd is authorised under MiCA by Malta's MFSA and passported to Poland. See OKX Europe
Why Poland is a special case
The KNF has stated that, because the Polish crypto-assets act has not entered into force, no Polish authority has been designated to supervise crypto-asset service providers under MiCA (UKNF position). In its 23 June 2026 notice, it says the MiCA transition ends on 1 July 2026.
The tax administration adds that an entry in the Polish virtual-currency register does not authorise MiCA activity in Poland or abroad (KAS information for clients). ESMA's list shows a six-month Polish transition (ESMA), but the KNF treats 1 July 2026 as the end date.
Binance itself is not in ESMA's register of authorised providers. It says it will seek authorisation in another EU country, which it hasn't named. The closure notices concern former local entities such as Binance Poland, not every Binance user in the EU.
Related reading
Sources
Bankier.pl · CoinDesk · KNF notice, 23 June 2026 · UKNF position on crypto supervision · KAS information for clients · ESMA CASP register · ESMA list of MiCA transition periods · Binance blog, 24 June 2026
Last reviewed: 10 November 2026.
This article is for educational purposes only and is not financial advice. It is not investment, legal or tax advice, and nothing here is a recommendation to buy or sell any asset or use any platform. Check the details with primary sources and your own adviser. Crypto-assets carry risk, including the permanent loss of funds.
