Where is the cheapest place to buy bitcoin? BTC purchase cost calculator in PLN

Bitcoin purchase cost calculator

What makes up the cost of buying bitcoin

The bitcoin price you see on price-tracking sites is the market price: the midpoint between the best bid and ask on the largest exchanges. When you buy, you almost always pay more. The difference is made up of several parts, and it's what decides where it's cheapest to buy.

Trading fee

The fee an exchange charges for executing a trade, stated as a percentage. For a regular market order on the exchange, it's usually 0.1–0.25% for someone just starting out. For an instant buy in an app, it can be several times higher, for example 1% on Kraken or 1.49% on Revolut's Standard plan, and a minimum fee applies to small amounts.

Spread and price

With an instant buy, the exchange sets the price itself and adds a markup that it usually doesn't list in its fee schedule. With a market order, you pay the price of the cheapest sell offers and, for a larger amount, the next, more expensive ones too: that's slippage, which we calculate from the real order book. This column also includes the difference between the PLN price on a given exchange and the global price, known as the Polish zloty premium.

Deposits and currency exchange

Each exchange sets its own BLIK deposit fees and limits and changes them often, so the calculator does not include them: check them on the exchange before you deposit. A card usually costs a few percent. Some exchanges have no zloty market: they convert zloty to euros at their own rate, or you have to exchange zloty for euros yourself before a SEPA transfer, for example at an online currency exchange.

Withdrawal to your own wallet

Exchanges charge either a fixed fee or the network fee for a bitcoin withdrawal. On a few hundred PLN, that can be several percent of the amount; on a few thousand, a fraction of a percent. We cover safe storage in our how to buy bitcoin guide.

Where the data comes from

We pull prices and order books every hour from public APIs: Bybit EU (BTC/PLN and BTC/EUR markets), OKX (BTC/EUR), Kraken (BTC/EUR), the market price from OKX and Binance, exchange rates from Coinbase (with the European Central Bank and NBP as backups), and the bitcoin network fee from mempool.space. We copy exchange fees by hand from their fee schedules, along with the date we checked them. Some rates are shown by exchanges only after you log in or on the preview screen: we mark such values as estimates. MiCA licenses are based on the ESMA register.