The following fees and limits apply for Luno accounts verified in Kenya.
Deposits and withdrawals
Deposit fees and limits
| Deposit fee | Deposit limits |
| 1% |
Per transaction: KSh 500 - 250,000 Daily: KSh 500,000 |
The fee is deducted from your deposit. In other words, your Luno KES wallet will be funded with the deposit amount minus the fee.
Tip
Learn how to deposit money into your KES wallet.
Withdrawal fees and limits
| Withdrawal Fee | Withdrawal limits |
| Ksh 50.00 |
Per transaction: KSh 500 - 250,000 Daily: KSh 500,000 |
The withdrawal fee is deducted from your KES wallet if it has a sufficient balance. If there aren’t enough funds in your KES wallet to cover the withdrawal fee, the fee will be deducted from the withdrawn amount instead.
Tip
Learn more about withdrawing money from your KES wallet.
Buying and selling crypto
Instant buying or selling
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.
Transaction costs
| Transaction type | Transaction cost |
| Buying crypto | 0% |
| Selling crypto | 0% |
Limits
These limits are applied per transaction. There is no limit on the number of transactions you can make.
| Currency | Minimum - Maximum Limits |
| KES | KSh 100.00 - KSh 12,500,000 |
| AAVE | AAVE 0.001 - AAVE 45.00 |
| ADA | ADA 0.10 - ADA 32,500 |
| ALGO | ALGO 20.00 - ALGO 40,000 |
| ANKR | ANKR 65.00 - ANKR 600,000 |
| APE | APE 2.50 - APE 15,000 |
| ARB | ARB 3.50 - ARB 25,000 |
| ATOM | ATOM 0.25 - ATOM 2,000 |
| AVAX | AVAX 0.05 - AVAX 400.00 |
| AXS | AXS 0.05 - AXS 3,000 |
| BCH | BCH 0.001 - BCH 4.00 |
| BERA | BERA 0.20 - BERA 3,000 |
| BNB | BNB 0.001 - BNB 10 |
| BTC | BTC 0.000025 - BTC 0.2 |
| CRV | CRV 10.00 - CRV 15,000 |
| DOGE | DOGE 0.20 - DOGE 40,000 |
| DOT | DOT 0.30 - DOT 2,000 |
| ENS | ENS 0.05 - ENS 400.00 |
| ETH | ETH 0.001 - ETH 10.00 |
| EURC | EURC 1.00 - EURC 9,100 |
| FET | FET 2.50 - FET 25,000 |
| GRT | GRT 10.00 - GRT 80,000 |
| HBAR | HBAR 20.00 - HBAR 50,000 |
| HNT | HNT 20.00 - HNT 3,800 |
| IMX | IMX 2.00 - IMX 15,000 |
| INJ | INJ 0.10 - INJ 800.00 |
| JUP | JUP 1.50 - JUP 20,000 |
| LDO | LDO 1.50 - LDO 15,000 |
| LINK | LINK 0.001 - LINK 600.00 |
| LRC | LRC 12.00 - LRC 120,000 |
| LTC | LTC 0.001 - LTC 15.00 |
| POL | POL 1.00 - POL 40,000 |
| NEAR | NEAR 0.01 - NEAR 3,500 |
| ONDO | ONDO 1.00 - ONDO 10,000 |
| OP | OP 1.50 - OP 12,500 |
| PAXG | PAXG 0.0003 - PAXG 3.00 |
| PYTH | PYTH 5.00 - PYTH 60,000 |
| PYUSD | PYUSD 1.00 - PYUSD 10,000 |
| RENDER | RENDER 0.0005 - RENDER 2,000 |
| S | S 2.00 - S 15,000 |
| SAND | SAND 0.20 - SAND 30,000 |
| SKY | SKY 0.001 - SKY 5.00 |
| SNX | SNX 1.00 - SNX 12,500 |
| SOL | SOL 0.05 - SOL 200.00 |
| STRK | STRK 8.00 - STRK 80,000 |
| TAO | TAO 0.10 - TAO 25.00 |
| TIA | TIA 0.25 - TIA 3,500 |
| TON | TON 0.05 - BTC 6,200 |
| TRX | TRX 20.00 - TRX 35,000 |
| UNI | UNI 0.10 - UNI 1,500 |
| USDC | USDC 1.00 - USDC 50 |
| USDT | USDT 1.00 - USDT 50 |
| VIRTUAL | VIRTUAL 1.00 - BTC 10,000 |
| XLM | XLM 20.00 - XLM 35,000 |
| XRP | XRP 0.10 - XRP 3,500 |
| ZRO | ZRO 0.40 - ZRO 4,000 |
Exchange tiers and fees
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 suming up all of your trading activity across all markets on the Luno Exchange platform over the last 30 days (converted to your primary currency). 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 | KSh 0 - KSh 1,500,000 |
0.10% | -0.01% |
| 2 | KSh 1,500,000 - KSh 15,000,000 |
0.09% |
-0.01% |
| 3 | KSh 15,000,000 - KSh 65,000,000 |
0.08% | -0.01% |
| 4 | KSh 65,000,000 - KSh 150,000,000 |
0.07% | -0.02% |
| 5 | KSh 150,000,000 - KSh 1,500,000,000 |
0.06% | -0.02% |
| 6 | Over KSh 1,500,000,000 | 0.05% | -0.02% |
Tip
Learn more about crypto trading fees on the Luno Exchange.
Exchange trading limits
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.
Crypto/fiat pairs | ||
| Market | Volume | Price |
| BTC/KES |
BTC 0.00001 - BTC 10.00 |
KSh 100,000 - KSh 1,000,000,000 |
| ETH/KES |
ETH 0.00001 - ETH 100 |
KSh 10,000 - KSh 100,000,000 |
| USDC/KES |
USDC 0.10 - USDC 1,000,000 |
KSh 10.00 - KSh 100,000 |
| USDT/KES |
USDT 0.10 - USDT 1,000,000 |
KSh 10.00 - KSh 100,000 |
Crypto/crypto pairs | ||
| Market | Volume | Price |
| AAVE/BTC |
AAVE 0.01 - AAVE 10,000 |
BTC 0.0001 - BTC 1.00 |
| ADA/BTC |
ADA 1.00 - ADA 1,000,000 |
BTC 0.000001 - BTC 0.01 |
| ADA/USDT |
ADA 0.10 - ADA 1,000,000.00 |
USDT 0.01 - USDT 100.00 |
| ALGO/BTC |
ALGO 1.00 - ALGO 100,000 |
BTC 0.000001 - BTC 0.01 |
| AVAX/BTC |
AVAX 0.01 - AVAX 10,000 |
BTC 0.0001 - BTC 1.00 |
| BCH/BTC |
BCH 0.01 - BCH 100.00 |
BTC 0.0001 - BTC 1.00 |
| BCH/USDT |
BCH 0.001 - BCH 1,000.00 |
USDT 10.00 - USDT 100,000.00 |
| BNB/USDT |
BNB 0.001 - BNB 1,000.00 |
USDT 10.00 - USDT 100,000.00 |
| BTC/USDC |
BTC 0.0005 - BTC 100.00 |
USDC 100.00 - USDC 1,000,000 |
| BTC/USDT |
BTC 0.0005 - BTC 100.00 |
USDT 100.00 - USDT 1,000,000 |
| CRV/BTC |
CRV 1.00 - CRV 1,000,000 |
BTC 0.000001 - BTC 0.01 |
| DOGE/USDT |
DOGE 10.00 - DOGE 10,000,000.00 |
USDT 0.001 - USDT 10.00 |
| ETH/BTC |
ETH 0.01 - ETH 1,000 |
BTC 0.0001 - BTC 1.00 |
| ETH/USDC |
ETH 0.001 - ETH 1,000 |
USDC 10.00 - USDC 1,000,000 |
| LINK/USDT |
LINK 0.10 - LINK 100,000.00 |
USDT 0.10 - USDT 1,000.00 |
| LTC/BTC |
LTC 0.001 - LTC 10,000 |
BTC 0.000001 - BTC 0.10 |
| PAXG/USDT |
PAXG 0.0001 - PAXG 100.00 |
USDT 100.00 - USDT 1,000,000 |
| POL/BTC |
POL 1.00 - POL 1,000,000 |
BTC 0.000001 - BTC 0.01 |
| S/BTC |
S 1.00 - S 100,000 |
BTC 0.000001 - BTC 0.01 |
| SOL/ADA |
SOL 0.001 - SOL 10,000 |
ADA 1.00 - ADA 10,000 |
| SOL/BTC |
SOL 0.01 - SOL 10,000 |
BTC 0.0001 - BTC 1.00 |
| SOL/XRP |
SOL 0.001 - SOL 10,000 |
XRP 1.00 - XRP 10,000 |
| TRX/USDT |
TRX 0.10 - TRX 1,000,000.00 |
USDT 0.01 - USDT 100.00 |
| USDC/USDT |
USDC 0.10 - USDC 1,000,000 |
USDT 0.10 - USDT 1,000 |
| XLM/BTC |
XLM 1.00 - XLM 100,000 |
BTC 0.000001 - BTC 0.01 |
| XLM/USDT |
XLM 0.10 - XLM 1,000,000.00 |
USDT 0.01 - USDT 100.00 |
| XRP/BTC |
XRP 1.00 - XRP 100,000 |
BTC 0.000001 - BTC 0.0001 |
| XRP/USDT |
XRP 0.10 - XRP 1,000,000 |
USDT 0.01 - USDT 100.00 |
Sending and receiving crypto
Send fees
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 paid them more.
Tip
Follow these links to learn more:
Send limits
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.
Maximum send limits
| 24-hour limit | 30-day limit |
| Maximum of USD 120,000 | 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.
Minimum send amounts
| Cryptocurrency | Minimum send amount |
| AAVE | AAVE 0.000001 |
| ADA | ADA 1.1 |
| ALGO | 0.1 ALGO |
| ANKR | ANKR 0.000001 |
| APE | APE 0.000001 |
| ARB | ARB 0.000001 |
| ATOM | ATOM 0.0001 |
| AVAX | AVAX 0.0001 |
| AXS | AXS 0.000001 |
| BCH | BCH 0.0001 |
| BERA | BERA 0.000001 |
| BNB | BNB 0.000001 |
| BTC | BTC 0.0001 |
| CRV | CRV 0.000001 |
| DOGE | DOGE 2 |
| DOT | DOT 1 |
| DYDX | DYDX 0.000001 |
| ENS | ENS 0.000001 |
| ETH | ETH 0.0001 |
| EURC | EURC 0.000001 |
| FET | FET 0.000001 |
| FLOKI | FLOKI 0.000001 |
| FTM | FTM 1 |
| GRT | GRT 0.000001 |
| HBAR | HBAR 1 |
| HNT | HNT 1 |
| IMX | IMX 0.000001 |
| INJ | INJ 0.000001 |
| JUP | JUP 0.000001 |
| LDO | LDO 0.000001 |
| LINK | LINK 0.0001 |
| LRC | LRC 0.000001 |
| LTC | LTC 0.0000546 |
| MATIC | MATIC 0.0001 |
| MKR | MKR 0.000001 |
| NEAR | NEAR 0.1 |
| ONDO | ONDO 0.000001 |
| OP | OP 0.1 |
| PAXG | PAXG 0.000001 |
| PEPE | PEPE 0.000001 |
| PYTH | PYTH 0.000001 |
| PYUSD | PYUSD 0.000001 |
| RENDER | RENDER 0.000001 |
| S | S 1 |
| SAND | SAND 0.000001 |
| SEI | SEI 0.000001 |
| SHIB | SHIB 0.000001 |
| SKY | SKY 0.000001 |
| SNX | SNX 0.000001 |
| SOL | SOL 0.01 |
| STRK | STRK 0.000001 |
| SUI | SUI 0.000001 |
| TAO | TAO 0.000001 |
| TIA | TIA 0.000001 |
| TON | TON 0.000001 |
| TRX | TRX 1 |
| UNI | UNI 0.0001 |
| USDC | USDC 0.000001 |
| USDT | USDT 0.000001 |
| VIRTUAL | VIRTUAL 0.000001 |
| XLM | XLM 1 |
| XRP | XRP 0.01 |
| ZEC | ZEC 0.0001 |
| ZRO | ZRO 0.000001 |
Receive fees and limits
It's free to receive cryptocurrency, except:
- If you’re receiving Bitcoin and the amount received is lower than BTC 0.00000546, an equivalent fee will be charged to combat dusting attacks.
We’ve also set minimum receive amounts for some cryptocurrencies to help prevent dust attacks.
| Cryptocurrency | Minimum receive amount |
| ALGO | ALGO 0.1 |
| ATOM | ATOM 0.06 |
| DOGE | DOGE 0.145 |
| DOT | DOT 0.05 |
| HBAR | HBAR 0.01 |
| INJ | INJ 0.001 |
| NEAR | NEAR 0.01 |
| SOL | 0.00002 |
| TRX | TRX 0.000009 |
| XLM | XLM 0.1 |
| XRP | XRP 0.001 |
Tip
Here are some things you need to know about receiving crypto.
Supported cryptocurrencies
The following cryptocurrencies are available on Luno in Kenya: