Robinhood vs Kuna: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Robinhood and Kuna This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 25, 2025

Robinhood

Kuna

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Available Countries

United States

Yes

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Latin America

India

China

Yes

Canada

Yes

United Kingdom

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Robinhood is ideal if:

Ideal for multitasking investors. Seamlessly combine stock, ETF, and crypto trading in one app—great if you want everything under one roof without jumping between platforms.
Perfect for beginners seeking simplicity. Offers a clean, intuitive interface, low entry with fractional investing, and no commission distractions—ideal if you're starting your crypto journey.
Less suitable for advanced crypto users. Lacks sophisticated tools and deep crypto selection compared to dedicated exchanges—so if you’re into in-depth analysis or niche tokens, it may feel limiting.

Kuna is ideal if:

Effortless Quick Buys – If you prefer rapid purchases without account creation, Kuna’s “5-click” system lets you buy Bitcoin, Ethereum, or Tether in around 30 seconds directly to your wallet.
Straightforward and Friendly UI – Kuna offers a clean, intuitive interface (web and mobile) that’s especially suitable for newcomers and those who value simplicity and smooth navigation.
Regional Fiat Flexibility – If you're in supported areas, Kuna enables seamless fiat-to-crypto trades using local methods in UAH, USD, or RUB, plus tools like cash codes—making funding your trades frictionless.

Robinhood isn’t ideal if:

You want full self-custody of your crypto. You can't withdraw or transfer crypto to your own wallet in the main app, restricting flexibility and personal control.
You need wide crypto variety or advanced trading tools. Supported coins are limited and tools are basic—less compelling if you're seeking diverse assets or deep trading features like derivatives, margin, or complex orders.
You prioritize seamless withdrawals and regulatory clarity. Past issues with withdrawal restrictions and regulatory settlements suggest cautiousness—especially if access to assets and transparency are top priorities.

Kuna isn’t ideal if:

Limited Asset Variety – If you're looking to trade a wide range of cryptocurrencies or exotic altcoins, Kuna offers only a modest selection that may feel restrictive.
Basic Trading Tools Only – For those seeking advanced charting, technical indicators, or professional-grade trading features, Kuna’s platform remains quite simplistic.
No PayPal or Wallet Options – If you prefer funding your account with PayPal, Skrill, or Neteller, or need live chat or phone support, you’ll find those options aren’t available here.

Fees & Total Costs

Spot Maker/Take

Robinhood uses a simplified fee model based on a sliding scale of monthly trading volume rather than explicit maker/taker tiers—starting around 0.85% for lower volumes and decreasing as volume grows, with no native token discounts.

Kuna applies a flat 0.25 % trading fee for both makers and takers, without tiered volumes—though holding at least 100 KUN tokens grants VIP status, which waives maker fees entirely.

Futures/Derivatives

Robinhood recently introduced futures trading, with futures contracts priced per contract rather than via maker/taker percentages—futures access comes with a fixed per-contract cost depending on your account tier, and there’s no ongoing funding rate as seen in perpetuals.

Kuna does not offer futures or other derivative trading instruments; therefore, there are no associated maker, taker, or funding fees.

Average Spreads on Liquid Pairs

Spreads on major pairs like BTC and ETH typically fall between 0.5% and 1%, reflecting the small markup embedded in Robinhood’s “commission-free” model.

Kuna does not publicly disclose spread data, and their simplified fee model suggests minimal hidden spread, though precise average figures for these pairs are not available.

Fiat Deposits & Withdrawals

You can deposit via bank transfer or debit card with fees of up to 1.5%, depending on method and instant options; standard bank transfers are often free or low-cost, and processing times are comparable to other digital brokerages.

Fiat deposits are accepted (e.g., via credit card for Ukrainian-issued Visa/Mastercard or via methods like Perfect Money, Payeer, Advanced Cash, or Kuna Code), with variable fees depending on the method—withdrawals mirror those deposit options, again with method-dependent fees and typical processing within short timeframes.

On-chain Withdrawals

Crypto withdrawals to external wallets don’t carry Robinhood fees—which means you only pay the usual network (gas) fees, which fluctuate based on blockchain congestion.

Crypto withdrawal fees are based on asset and network; for example, withdrawing BTC incurs a fixed fee of approximately 0.0005 BTC. Other assets like ETH or TRX may have different dynamic fees, though Kuna doesn’t specify those publicly across all networks.

Hidden Costs

There are no inactivity or conversion fees, but indirect costs can arise from spreads, payment-for-order-flow execution, and instant funding options that bundle in surcharges beyond visible pricing.

There’s no explicit information about inactivity fees or express KYC charges; however, currency conversion may incur a flat percent fee embedded in the exchange rate, depending on your selected method.

Real-World Cost Example: “€500 BTC

buying €500 of BTC—You’d pay Robinhood’s embedded spread (typically ~0.5–1%) plus any small fee based on your volume tier; if you then withdrew BTC on-chain, you’d pay the network (gas) fee on that transfer.

Buying €500 worth of BTC would incur the standard 0.25 % trading fee and any minor spread embedded by the platform, plus the fixed withdrawal cost of ~0.0005 BTC when sending the funds on-chain—exact totals depend on BTC’s live price at the time.

Crypto Offering & Trading Features

Number of Coins & Pairs

About 28 cryptos in the U.S.; over 40 in Europe, covering top-volume names like BTC, ETH, SOL and popular altcoins. Limited pairing structure compared to full exchanges.

Kuna lists approximately 22 to 40 cryptocurrencies and supports around 40 trading pairs, with the most active ones being BTC/UAH, ETH/BTC, ZEC/UAH, DAI/UAH, ZEC/USDT, KUN/USDT, BTC/USDC, and ETH/UAH.

Product Range

Offers spot trading, newly launched crypto perpetual futures (Europe only), staking for ETH & SOL, and tokenized U.S. stocks & ETFs (Europe). No margin, options, lending, copy trading, grid bots, or automated DCA.

Kuna’s product suite is straightforward—spot trading only (crypto–crypto and crypto–fiat), no margin, derivatives, ETFs, lending, copy trading, grid bots, automatic DCA, or options; however, it does offer staking rewards through holding certain assets.

Liquidity

Exact 24h volume and order book depth not published—but leading pairs (BTC, ETH) benefit from Robinhood’s broader user base, though liquidity may be thinner than deep-tier centralized exchanges.

Kuna’s 24-hour volume is modest (several million USD equivalent), with BTC/USDT and ETH markets showing some activity; however, order-book depth is not publicly detailed, suggesting liquidity is appropriate for medium-sized trades but not high-frequency institutional-level operations.

Tools

Basic order types (limit, market); lacks OCO or complex conditional orders. Charting tools are simple, and there’s no native TradingView or public API/WS support yet—advanced traders may find features limited.

Kuna supports basic order types like limit, market, and stop orders, features standard trading charts (not TradingView-native), and provides API access; it doesn’t offer advanced charting tools, OCO orders, price alerts, or built-in TradingView integration.

Geographic Restrictions by Product

Derivatives like perpetual futures and tokenized stocks/ETFs available only to European users; U.S. users can stake crypto but don’t yet access tokenized or futures products.

While spot trading is broadly available, Kuna does not provide derivatives or advanced products in any region, and its services are restricted for U.S. users; features like staking may also be limited depending on local regulations.

Innovation

Strong push into tokenization and self-custody—rolling out its own Layer-2 blockchain and Robinhood Chain, along with flexible staking options (unstake anytime), positioning itself as a crypto-native super-app.

Kuna’s innovation footprint includes unique tools like Kuna Code (transfer via code), Kuna Pay (payment processing), and browser extensions from the community, but it currently lacks features such as a launchpad, launchpool, or differentiated flexible vs locked earning programs.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Robinhood Crypto services are operated under Robinhood Crypto, LLC, a U.S.-based company founded in 2013, headquartered in Menlo Park, California.

Kuna was founded in 2014 in Ukraine and maintained operations through regional entities—including those in the UK and Lithuania—but as of March 2025, the platform has fully ceased operations and is no longer active.

Licenses/Registration

The platform holds a New York BitLicense and operates under U.S. financial regulations, with additional compliance under EU frameworks like MiCA for its European crypto services.

Kuna did not hold formal VASP licenses under European frameworks like MiCA, nor did it register under equivalent regimes; current regulatory programs such as those in the Cayman Islands or EU never applied to Kuna due to its closure prior to implementation of those licensing regimes.

Custody

Robinhood uses internally managed custodial storage, asserting ownership remains with the user; public proof-of-reserves or third-party audit details aren’t disclosed, and cold storage allocation is not specified.

Kuna undertook what it called “the largest Proof of Reserves in history” to demonstrate backing of user funds, though there is no evidence of third-party audits, formal PoR implementation, or specified cold storage reserve ratios.

Insurance & Protection Funds

There’s no public insurance covering crypto holdings, and accounts are not SIPC- or FDIC-protected when it comes to digital assets.

No formal insurance products or customer protection funds were publicly offered or advertised by Kuna at any point during its operation.

Incident History

The platform has dealt with several notable issues—including a past SEC and California settlement over withdrawal restrictions, a 2021 data breach of personal information, and regulatory fines—though the SEC crypto investigation has since been closed.

Kuna maintained a calm incident history, with no publicly documented hacks, platform outages, account freezes, or regulatory fines reported prior to its closure.

Risk Controls

Basic safeguards like two-factor authentication are implemented, but features like IP/email whitelisting, sub-accounts, or granular API permissions aren’t prominently offered for crypto accounts.

Kuna offered basic security features such as two-factor authentication (2FA) and email confirmations, though advanced tools like withdrawal whitelists, anti-phishing measures, tiered sub-accounting, or granular API permission controls were not prominently supported.

Transparency

Robinhood does not provide periodic proof-of-reserves, public wallets, or formal service-level agreements (SLA), and overall transparency around custody operations remains minimal.

There were no monthly transparency reports, public audit statements, or disclosed service-level agreements. While the platform shared its initiative around reserves, ongoing financial transparency metrics or operational dashboards were not made available.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

You can deposit via standard bank (ACH) transfers or debit cards; amounts and limits vary by account history, with bank transfers typically taking 2–5 business days and debit cards offering faster access subject to processing speeds and internal checks.

Fiat deposit options on Kuna include credit cards (limited to Ukrainian-issued Visa/MasterCard) and payment services like Advanced Cash, Perfect Money, Payeer, or Kuna Code; there’s no publicly stated minimum or maximum, and processing times vary—card payments can be nearly instant, while some transfer methods may take several minutes to days depending on method and region.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Identity verification is mandatory to start trading crypto—Robinhood maintains a single-tier KYC process rather than clear “Basic” or “Advanced” tiers, and withdrawal/trading limits adjust automatically based on verification completeness and account activity.

Kuna requires identity verification to unlock full functionality—basic account creation has limited access, and submitting documents (ID, proof of address) elevates you to a fully verified level, with no public breakdown of tiered access or trading limits, but verification is mandatory for fiat operations.

Withdrawals

Withdrawals are capped (e.g., up to ~$5,000 in crypto or 10 transfers per 24 hours in the U.S.), subject to settlement hold times of up to a few business days, and only standard network formats are supported—some tokens or non-standard formats may be restricted.

Cryptocurrency withdrawals on Kuna support networks like ERC-20, TRC-20, BTC (native), and others; BTC withdrawals, for example, incur a 0.0005 BTC fee and typically process within 10 minutes after email and 2FA confirmation—limits are set internally and not publicly disclosed.

Customer Support

Support is via email and in-app forms with variable response times; there’s no dedicated 24/7 chat team, but users have access to a help center and FAQ base for self-service.

Kuna offers multilingual support via the help center and ticketing system (English, Ukrainian, Russian), with an extensive FAQ and tutorial base—while there’s no 24/7 live chat, support is accessible through email or tickets, and response times are generally prompt but unspecified.

Languages & Localization

The platform operates primarily in English, with pricing shown in local fiat (USD or EUR); regulatory adherence is aligned to U.S. and EU standards depending on your region.

The platform supports English (as well as Ukrainian and Russian), displays prices and fees in common fiat currencies like €/USD, and reflects some local regulatory positioning (e.g., awareness of Lithuanian VASP licensing), although it remains primarily headquartered in Ukraine.

App Quality & Stability

The app is generally stable and user-friendly, though occasional delays or outages have occurred during peaks—overall, Robinhood pushes frequent updates to improve reliability and functionality.

Kuna offers a mobile app for both iOS and Android that integrates core features like deposits and withdrawals; while there’s no public data on crash rates or update frequency, documentation includes instructions for confirming withdrawals via the app—suggesting a maintained and functional experience.

Experience, Performance & Ecosystem

UX/UI

The app shines with a minimalist, approachable design—big tappable cards, clean layouts, and subtle motion cues make navigation intuitive even for newcomers, though there’s no separate “Lite” or “Pro” mode to shift complexity.

Kuna’s design is widely praised for being intuitive and accessible to beginners, with no separate “Lite” or “Pro” modes—just a unified interface that blends simplicity with functionality to help new traders start quickly while still serving seasoned users.

Performance

While generally responsive, Robinhood has historically faced latency and system strain during periods of extreme trading volume; backend upgrades have since improved stability, but occasional delays or access queues may still occur in peak volatility.

Users report that orders on Kuna process nearly instantly under normal conditions; while data on crashes during volatile markets or extended KYC backlogs is limited, the lightweight design and responsiveness suggest generally stable performance even under pressure.

Education

Robinhood offers educational content via its in-app help sections and “Learn” modules—but lacks advanced tools like a demo environment, simulator, or content in languages beyond English, limiting onboarding for non-English speakers.

Kuna currently offers limited educational materials and lacks demo or simulator tools; content is primarily in English, Ukrainian, and Russian, with no dedicated academy or learning hub in Spanish available at this time.

Community

There’s no native forum or official Telegram/Discord community, but Robinhood includes referral incentives and relies on user groups external to its platform; community interaction happens mostly off-app.

Kuna fosters an active user community via its official Telegram and social media channels, alongside a generous affiliate/referral program (up to ~75% commission), though it doesn’t operate its own dedicated forums or Discord server.

Integrations

Robinhood does not support third-party integrations like TradingView, external trading bots, tax tools, or accounting software—traders work within the native platform without plug-in flexibility.

The platform doesn’t natively integrate with TradingView or third-party trading bots; there are no built-in tax reporting or accounting tools, making it more suited to straightforward trading rather than advanced automation or reporting workflows.

Who Each One Is Best For

Robinhood Crypto suits casual or mobile-first investors who value simplicity and convenience in U.S. or European markets; advanced traders or those seeking deep tools and community interaction may find it too basic.

Kuna shines for casual traders, especially in Eastern Europe, who want a no-frills, easy-to-navigate platform for basic spot trading in fiat and crypto—making it a solid fit for those seeking simplicity and regional accessibility rather than advanced trading features.