The following fees and limits apply for Luno accounts verified in Malaysia.
Deposits and withdrawals
|
Method |
Fee |
|
FPX Instant Transfer |
Free (RM 1.00 for amounts below RM 100.00) |
|
Touch ‘n Go eWallet |
Free (RM 1.00 for amounts below RM 100.00) |
More info
FPX instant transfers reflect instantly, and they are limited to RM 100,000 per deposit.
Touch ‘n Go eWallet deposits also reflect instantly. Touch ‘n Go eWallet has set transaction limits based on your user tier. Visit their website to learn more about Touch ‘n Go eWallet’s monthly limits.
|
Method |
Fee |
|
Bank transfer |
RM 0.10 |
Withdrawal processing times
-
If you withdraw before 15:45, Monday to Friday (excluding public holidays), the funds will reflect in your bank account by 23:00 on the same day.
-
If you withdraw after 15:45 or on a weekend or public holiday, you’ll receive the money in your bank account by 17:00 the next business day.
Tip
Learn more about Luno’s withdrawal processing times.
You can find out what verification level you’re on by going to your Profile and selecting Settings. Under Verification, you’ll see that you're either not verified or Fully verified.
The following deposit and withdrawal limits apply:
|
Fully verified |
|
Deposits per month: RM 300,000 Withdrawals per month: RM 300,000 |
Buying and selling crypto
These fees and limits apply when you buy or sell crypto from the Portfolio screen.
They do not apply to transactions on the Luno Exchange.
Fees
|
Transaction type |
Fee |
|
Buying crypto |
2% |
|
Selling crypto |
2% |
Limits
These limits are applied per transaction. There is no limit on the number of transactions you can make.
| Currency | Minimum - Maximum Limits |
| MYR | RM 1.00 - RM 400,000 |
| AAVE | AAVE 0.001 - AAVE 45 |
| ADA | ADA 0.10 - ADA 32,500 |
| ALGO | ALGO 20.00 - ALGO 40,000 |
| ATOM | ATOM 0.005 - ATOM 2,000 |
| AVAX | AVAX 0.05 - AVAX 400 |
| BCH | BCH 0.001 - BCH 25 |
| BTC | BTC 0.000025 - BTC 3 |
| CRV | CRV 10 - CRV 15,000 |
| DOT | DOT 0.006 - DOT 2,000 |
| ETH | ETH 0.001 - ETH 50 |
| GRT | GRT 10.00 - GRT 80,000 |
| HBAR | HBAR 20.00 - HBAR 50,000 |
| LINK | LINK 0.05 - LINK 600 |
| LTC | LTC 0.001 - LTC 100 |
| MATIC | MATIC 1 - MATIC 40,000 |
| MKR | MKR 0.001 - MKR 5 |
| NEAR | NEAR 0.01 - NEAR 3,500 |
| SNX | SNX 1 - SNX 12,500 |
| SOL | SOL 0.05 - SOL 200 |
| UNI | UNI 0.10 - UNI 1,500 |
| XLM | XLM 20 - XLM 35,000 |
| XRP | XRP 0.10 - XRP 40,000 |
The fee you pay when buying or selling crypto on the Luno Exchange depends on your total 30-day trading volume, and whether you’re placing a maker order or a taker order.
Your 30-day volume is calculated once per day by summing up all of your trading activity across all markets on the Luno Exchange platform over the last 30 days (converted to MYR). You are then assigned a fee tier based on this total 30-day volume according to the table below.
A taker order is an order that trades at market price. A maker order trades at a limited price.
|
Tier |
30-day volume |
Taker fee |
Maker fee |
|
1 |
RM 0 - RM 5,000 |
0.60% |
0.35% |
|
2 |
RM 5,000 - RM 200,000 |
0.50% |
0.25% |
|
3 |
RM 200,000 - RM 400,000 |
0.45% |
0.20% |
|
4 |
RM 400,000 - RM 1,000,000 |
0.40% |
0.10% |
|
5 |
RM 1,000,000 - RM 2,000,000 |
0.35% |
0% |
|
6 |
RM 2,000,000 - RM 4,000,000 |
0.30% |
0% |
|
7 |
RM 4,000,000 - RM 8,000,000 |
0.25% |
0% |
|
8 |
RM 8,000,000 - RM14,000,000 |
0.15% |
0% |
|
9 |
> RM14,000,000 |
0.13% |
0% |
Tip
Learn more about crypto trading fees on the Luno Exchange.
When placing an order on the Luno Exchange, each currency pair (or market) has minimum and maximum volumes and prices you can set.
Volume refers to the size of the order you can place, applicable to all order types.
Price refers to the range within which you can specify the price for an order. It does not apply to market orders, which are automatically set at the current market price.
|
Market |
Volume |
Price |
| AAVE/MYR |
AAVE 0.001 - AAVE 10,000.00 |
RM 10.00 - RM 100,000.00 |
| ADA/MYR |
ADA 0.10 - ADA 1,000,000.00 |
RM 0.10 - RM 1,000.00 |
| ALGO/MYR |
AAVE 0.001 - AAVE 10,000 |
RM 10.00 - RM 100,000 |
| ATOM/MYR |
ATOM 0.001 - ATOM 10,000.00 |
RM 1.00 - RM 10,000.00 |
| AVAX/MYR |
AVAX 0.001 - AVAX 10,000.00 |
RM 10.00 - RM 100,000.00 |
| BCH/MYR |
BCH 0.001 - BCH 1,000.00 |
RM 100.00 - RM 1,000,000.00 |
| CRV/MYR |
CRV 0.10 - CRV 1,000,000.00 |
RM 0.10 - RM 1,000.00 |
| BTC/MYR |
BTC 0.00002 - BTC 100.00 |
RM 10,000.00 - RM 10,000,000.00 |
| DOT/MYR |
DOT 0.10 - DOT 100,000.00 |
RM 1.00 - RM 10,000.00 |
| ETH/MYR |
ETH 0.001 - ETH 100.00 |
RM 5.00 - RM 100,000.00 |
| GRT/MYR |
GRT 10.00 - GRT 10,000,000 |
RM 0.01 - RM 100.00 |
| HBAR/MYR |
HBAR 0.10 - HBAR 1,000,000 |
RM 0.10 - |
| LINK/MYR |
LINK 0.10 - LINK 100,000.00 |
RM 1.00 - RM 10,000.00 |
| LTC/MYR |
LTC 0.001 - LTC 10,000.00 |
RM 10.00 - RM 10,000.00 |
| MATIC/MYR |
MATIC 0.10 - MATIC 1,000,000.00 |
RM 0.10 - RM 1,000.00 |
| MKR/MYR |
MKR 0.00001 - MKR 100.00 |
RM 100.00 - RM 1,000,000.00 |
| NEAR/MYR |
NEAR 0.10 - NEAR 100,000 |
RM 0.01 - RM 100.00 |
| SNX/MYR |
SNX 0.10 - SNX 100,000.00 |
RM 0.10 - RM 10,000.00 |
| SOL/MYR |
SOL 0.001 - SOL 10,000.00 |
RM 10.00 - RM 100,000.00 |
| UNI/MYR |
UNI 0.10 - UNI 100,000.00 |
RM 1.00 - RM 10,000.00 |
| XLM/MYR |
XLM 10.00 - XLM 10,000,000.00 |
RM 0.01 - RM 100.00 |
| XRP/MYR |
XRP 1.00 - XRP 100,000.00 |
RM 0.10 - RM 100.00 |
Staking and bundles
Staking enables you to earn back a percentage of your staked crypto for contributing to the continued operation of proof-of-stake blockchains.
|
Cryptocurrency |
Staking service fee |
|
ADA |
20% |
|
DOT |
35% |
|
ETH |
30% |
|
NEAR |
35% |
|
SOL |
35% |
|
ATOM |
0% (promotional fee until 16 June 2025, thereafter 40%) |
More info
The staking service fee is taken as a percentage of the rewards you receive from the blockchain. In other words, the reward amount sent to your Staking Wallet will have already had this fee deducted from it. The Annual Rewards Percentage (ARP) you see before you stake also takes this fee into account – so the ARP is your estimated earnings after the deduction.
Luno does not charge a fee when you stake or unstake your cryptocurrency.
Tip
Follow these links to learn more about:
The Luno Large Cap bundle is a collection of some of the largest cryptocurrencies. It automatically rebalances once per quarter to reflect market changes. Here are the fees and limits involved:
Fees
|
Fee type |
Fee |
|
Bundle buy fee |
1% |
|
Bundle sell fee |
1% |
|
Bundle rebalancing fee |
2% per annum (charged quarterly) |
|
Unbundle fee |
1% |
Note
When you sell your bundle, the sell fee is combined with the pro rata rebalancing fee. In other words, you’ll pay 1% of the amount being sold, plus whatever portion of the 2% rebalancing fee has accrued by the time you sell.
Limits
|
Transaction |
Limit per transaction |
|
Buying or topping up your bundle |
You can buy RM25 - RM365,000 |
|
Selling your bundle |
You can sell RM25* - RM365,000 |
* If you’re selling your whole bundle, there is no minimum (you’re able to sell it even if your bundle balance is less than RM25).
Tip
Learn more about investing in a bundle and bundle fees.
Sending and receiving crypto
Luno charges a dynamic fee for crypto sends.
-
The only exception to this is XRP, which has a fixed 0.03% send fee.
You’ll always see the exact fee amount before confirming you want to proceed with the transaction.
Dynamic fee explanation
-
Blockchain fees, which are not controlled by Luno, increase and decrease depending on how much demand there is on that blockchain.
-
Your dynamic send fee is calculated based on the up-to-date blockchain fee, plus Luno’s operational costs for processing your transaction.
-
During periods of high demand, when the blockchain fee increases, the fee you pay for sending crypto increases as well. If the fee were too low, your transaction could become delayed – or even stuck indefinitely – while the blockchain’s nodes validate all the other transactions that pay them more.
Tip
Follow these links to learn more:
Luno may limit the amount of cryptocurrency you can send during 24-hour and 30-day rolling periods.
These limits form part of our anti-financial crime measures, and they are in line with best practices in the industry.
Note
Send limits are tailored and dynamic in nature. The table below shows the general bandwidths of limits, which are based on your identity verification level. Your actual send limit may be different.
|
24-hour limit |
30-day limit |
|
Level 2 Maximum of USD 12,000
Level 3 Maximum of USD 120,000 |
Level 2 Maximum of USD 60,000
Level 3 Maximum of USD 600,000 |
US dollar amounts are converted to the equivalent crypto that you’ve selected.
Tip
Learn more about crypto send limits.
It's free to receive cryptocurrency, with one exception:
-
We charge a nominal fee if you receive “dust” – a tiny amount of crypto, usually much lower than minimum buy or sell amounts
-
This fee combats dusting attacks, where attackers send small amounts to many wallet addresses in an attempt to de-anonymise them
Tip
Here are some things you need to know about receiving crypto.
Supported cryptocurrencies
The following coins are supported in Malaysia: