Travel Rule thresholds by country (2026)
How much crypto triggers Travel Rule information sharing — and when exchanges must verify that you control a self-hosted wallet — depends on the jurisdiction of the platform you use.
Quick comparison
| Jurisdiction / source | What the public text says | Self-hosted wallet note |
|---|---|---|
| European Union | Regulation (EU) 2023/1113 accompanies crypto-asset transfers with originator/beneficiary information. | For transfers involving a self-hosted address above €1,000, the CASP must verify that its customer owns or controls the address. |
| Australia (AUSTRAC) | Travel rule overview and virtual-asset additional obligations for ordering/beneficiary institutions. Reforms apply with key VASP dates through 2026. | Exemption from passing a transfer message to another business when sending to a self-hosted wallet, but ordering institutions must still collect/verify payer info and collect payee + tracing info. AUSTRAC materials describe obligations without a published minimum transfer amount for applicable VA transfers. Reporting of certain unverified self-hosted transfers begins 31 March 2029. |
| Canada (FINTRAC) | FINTRAC travel rule guidance: originator and beneficiary name, address and account/reference number travel with virtual-currency transfers. Canadian exchanges we cover state over $1,000 CAD in their help centers. | Declaration-style flows (personal vs third-party wallet, ownership confirmation) — Bitbuy, Coinsquare, Newton, Ndax. |
| Exchange example: Bitfinex | Help center: Travel Rule data required at $1,000 or more; optional below. | Beneficiary / VASP fields (and API beneficiary_self) — see Bitfinex guide. |
| Exchange example: CoinJar Europe | Self-hosted verification for transfers over €1,000. | Signature, Satoshi test or video — CoinJar guide. |
| Exchange example: Independent Reserve / Swyftx (AU) | Address-book / Travel Rule collection aligned with AU go-live (IR blog: mandatory from 1 July 2026; Swyftx blog same date). | Independent Reserve, Swyftx. |
| Exchange example: CoinSpot / BTC Markets (AU) | Both say Travel Rule fields apply to all withdrawals from 1 July 2026; no dollar threshold published. | CoinSpot: private wallet needs no extra info. BTC Markets: Individual/Non-Individual + full legal name. CoinSpot guide, BTC Markets guide. |
| Exchange example: Bit2Me (Spain / EU) | Collects and verifies transfer info since 30 Dec 2024; no public euro threshold. | Declare wallet type (yours / someone else’s, custodial / self-custody) — Bit2Me guide. |
| Exchange example: Bitonic (NL / EU) | Personal-wallet ownership check above €1,000; hosted-wallet info sharing has no €1,000 threshold. | Screenshot/photo or message signing — Bitonic guide. |
| Exchange example: NiceHash (CH) | Swiss AML Travel Rule on all amounts. | Wallet Signature Proof or Visual Proof for self-custody — NiceHash guide. |
| Exchange example: CoinCorner | VASP transfers always collect/transmit details; unhosted wallets are risk-based (no single published figure). | Recipient pop-up when triggered — CoinCorner guide. |
| Exchange example: VALR (ZA) | All withdrawals to non-VALR addresses; no amount threshold (from 30 Apr 2025). | Declare self-hosted vs exchange + recipient name — VALR guide. |
| Exchange example: Wirex (listed EU + SG) | Travel Rule fields on send/receive; no single figure in the help article we checked. | Name / wallet-type declaration + whitelist — Wirex guide. |
| Exchange example: CEX.IO | Beneficiary data on external transfers; no single published figure in the Travel Rule article. | Wallet-type fields + ownership confirmation — CEX.IO guide. |
| Exchange example: MEXC | Withdrawals can sit in Travel Rule Information Verification (typically 1–3 minutes); no ownership threshold published in that article. | Status + address confirmation link — MEXC guide. |
| Exchange example: Blockchain.com | May prompt for counterparty details; no single figure in the Travel Rule FAQ. | Declare recipient / verify self-hosted address — Blockchain.com guide. |
| Exchange example: Deribit | Travel Rule article: data exchanged for deposits or withdrawals over AED 3,500 (about USD 953). | Private wallet vs VASP + beneficiary declaration on address-book entries; Missing Info locks deposits — Deribit guide. |
| Exchange example: Phemex | Travel Rule FAQ: data sharing above a certain amount; no single published figure; regulated regions only. | Private vs exchange + beneficiary name; verify personal non-custodial addresses — Phemex guide. |
| Exchange example: bitFlyer Europe | EU Travel Rule via Notabene; no single euro figure on the FAQ we checked. | Address Owner Me/Not me; possible self-hosted ownership check — bitFlyer guide. |
| Exchange example: BingX | Explainer cites common ~USD/EUR 1,000 floors; Brazil KYW under 2026 SPSAV. | Ownership / KYW + address whitelist — BingX guide. |
| Exchange example: Coincheck (JP) | Service name + recipient type required on sends regardless of amount; TRUST for notified jurisdictions. | Private wallet = プライベートウォレット（MetaMask等） — Coincheck guide. |
| Exchange example: bitbank (JP) | Beneficiary fields on address registration (address + purpose since Sep 2022); no published ownership threshold. | Private wallet remittance type allowed — bitbank guide. |
| Exchange example: GMO Coin (JP) | Destination-class rules (Sygna / non-notified VASP / private wallet); no numeric threshold on the page. | Private wallets allowed; many notified VASPs blocked — GMO Coin guide. |
| South Korea (exchange example: Upbit) | Upbit help center: deposits/withdrawals of KRW 1,000,000 or more only with a personal wallet registered with Upbit; under that, only to identified destinations. | Register MetaMask, Kaia, Phantom, Polkadot{.js} or Keplr by signing a message from upbit.com — Upbit guide. |
| South Korea (exchange example: Bithumb) | Bithumb help center: withdrawals of KRW 1,000,000 or more to personal wallets need a registered address and only go to your own wallet; under that, only to reviewed addresses (since April 1, 2025). | Register MetaMask, Klip, Trust Wallet, imToken or OKX Wallet with an ownership signature; screenshot review for other wallets under KRW 1M — Bithumb guide. |
| South Korea (exchange example: Coinone) | Coinone help center: KRW 1,000,000 or more to non-Travel-Rule addresses needs the address book’s additional info registered; under that, only to verified addresses. | MetaMask signature (EVM networks only), or photos of your account info, wallet address and ID — Coinone guide. |
| Singapore (exchange example: Coinhako) | Coinhako Travel Rule FAQ: SGD 1,500 for Singapore users, USD 1,000 for global users; name + wallet/provider on all transfers. | Personal wallets verified by signature (MetaMask, WalletConnect, Trezor, Electrum) or Satoshi test — Coinhako guide. |
| Philippines (BSP; exchange example: Coins.ph) | BSP Circular 1108 and Memorandum M-2023-042. Coins.ph: name + wallet address on every external transfer; platform + purpose at PHP 50,000 or more. | Recipient/sender details + Address Whitelist; no signature or Satoshi test described — Coins.ph guide. |
European Union
Primary text: Regulation (EU) 2023/1113. Implementation guidance for CASPs: EBA/GL/2024/11. Practical overview: Travel Rule self-hosted wallets and MiCA / unhosted rules 2026.
Australia
Start with AUSTRAC’s Travel rule overview and additional obligations for virtual assets. KuCoin Australia’s public explainer likewise states Australia sets no minimum transfer amount for applicable crypto transfers under the reformed framework.
Canada
FINTRAC’s travel rule guidance (in effect since June 1, 2021) requires money services businesses that send virtual currency to include originator and beneficiary name, address and account or reference number. On the exchange side, Bitbuy and Coinsquare say their Travel Rule step applies to transfers over $1,000 CAD and asks whether the other wallet is yours or a third party’s. Newton says transfers over $1,000 within 24 hours are reportable Travel Rule Transactions and may prompt you to confirm you own the destination wallet. Ndax says external transfers equal to or exceeding $1,000 CAD show a “Who are you sending to?” prompt — “Sending to myself” for your own wallet, or the recipient’s name and residential address for someone else.
Asia-Pacific: South Korea, Singapore, Philippines
South Korea. Upbit says deposits and withdrawals worth KRW 1,000,000 or more only work with a personal wallet registered with Upbit. You register by connecting a supported extension wallet and signing a message from https://upbit.com. Below KRW 1,000,000, Upbit only sends to destinations it can identify, and it accepts a screenshot-based address request through support. Upbit doesn’t support registering hardware wallets linked through MetaMask. Bithumb uses the same KRW 1,000,000 line: larger withdrawals to personal wallets need the address registered in its address book with an ownership signature (MetaMask, Klip, Trust Wallet, imToken or OKX Wallet), and only to your own wallet. Coinone also requires registered additional info for KRW 1,000,000 or more. MetaMask users can sign instead of uploading documents (EVM networks only), and other wallets, including Ledger, need photos of the account info, wallet address and ID together.
Singapore. Coinhako says its threshold is SGD 1,500 for Singapore users (USD 1,000 for global users). It verifies personal wallets in the Address Book by signing (“Connect your wallet”) or a Satoshi test (“Verify manually”, about SG$1–2 within 24 hours).
Philippines. Under the BSP’s Circular 1108 and Memorandum M-2023-042, Coins.ph asks for the recipient’s name and wallet address on every external send, plus the destination platform and purpose at PHP 50,000 or more. It describes no signature or Satoshi test.
Always check your exchange entity
Global brands run different legal entities. A “$1,000” Bitfinex rule, a “€1,000” CoinJar Europe rule, and an Australian address-book rule can all appear under similar product names. Use the guide for your venue and the help article linked from your logged-in account.
FAQ
Is there one global threshold?
No. FATF Recommendation 16 sets a global standard, but each jurisdiction implements its own laws. Always follow the prompts and help articles for your exchange entity.
Does “no minimum” mean every tiny transfer needs ownership proof?
Not necessarily. Australia’s AUSTRAC materials require information collection for applicable virtual-asset transfers without a minimum amount, while ownership-verification mechanics are set by each VASP’s AML/CTF policies. The EU ownership-verification duty for self-hosted wallets is explicitly tied to transfers above €1,000 in Regulation (EU) 2023/1113.
Why does my exchange show a different number?
Platforms may use internal risk policies stricter than the legal floor, or operate under a different national entity. The in-app threshold wins.
Sources
- Regulation (EU) 2023/1113
- EBA Travel Rule Guidelines
- AUSTRAC Travel rule overview
- AUSTRAC virtual-asset additional obligations
- Bitfinex Travel Rule help
- CoinJar Europe self-hosted verification
- FINTRAC travel rule guidance
- Bitbuy Travel Rule help
- Ndax Travel Rule help
- Newton wallet-ownership help
- Upbit: withdrawals of KRW 1,000,000 or more (Korean)
- Upbit: personal wallet registration (Korean)
- Bithumb: how to withdraw crypto (Korean)
- Bithumb: addresses for withdrawals under KRW 1,000,000 (Korean)
- Coinone: address book registration (Korean)
- Coinone: simple personal wallet registration (Korean)
- Coinhako Travel Rule FAQ
- Coins.ph Travel Rule help
- BSP Circular 1108 (2021)
- BSP Memorandum M-2023-042
Not legal, tax or financial advice. This page does not cover every country. Confirm requirements with counsel or your platform’s compliance materials.