KRAK CARD The only debit card you’ll ever need
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 2% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €900 |
| DAILY LIMIT | €12,000 |
- US card has 1% FX fee, EEA/UK has 0%. Same product, different cost depending on where you live.
- ATM Limits
- Daily Limit
THE REAL STORY ON THIS CARD.
- Zero transaction fees, FX fees (EEA/UK), and ATM withdrawal fees from Krak side
- Up to 2% cashback + 1% Salary Match (EEA/UK) paid in BTC, EUR, or GBP
- Supports 400+ crypto and fiat assets with multi-asset JIT spending
- No staking or subscription required
- Virtual card issued instantly; physical card shipped free
- Up to 3.6% APY on everyday balance (AutoEarn); Krak Vaults up to 5.19% APY (UK)
- Issued by regulated partners (Monavate EEA/UK, Lead Bank US) with Kraken's 15-year track record
- Krak Concierge travel bookings (Metal tier) with up to 4% boosted cashback
- Custodial wallet
- Metal card and 2% cashback tier requires £/€/50,000 in assets
- Users under £/€200 average balance earn 0% cashback
- Crypto conversions include a variable spread (not a fixed fee)
- US card has 1% FX fee (EEA/UK has 0%)
- US card excluded in NY, ME, MA, IN
- Salary Match not available in France, Ireland, Italy, Netherlands, Spain, Liechtenstein
GENERAL QUESTIONS.
The Krak Card is a Mastercard debit card that lets you spend cash and crypto from your Krak Everyday account balance, anywhere Mastercard is accepted – online, in-store, and at ATMs in over 190 countries worldwide.
You must have a verified Krak account with completed KYC (identity verification). Krak Card is currently available to residents of the UK and the EU, with more countries coming soon. See this Krak Card Support Center Article to see if you are eligible for the Krak Card.
Anywhere your Krak Card is accepted, you’ll get up to 1% cashback on the transaction the instant it settles.
There are no transaction fees when you spend with Krak Card across the 400+ currencies available. We don’t even charge exchange rate fees when you shop overseas. Plus, Krak Card comes with no annual fee.
If you’re in the UK, it’s GBP. In the EEA30, it’s EUR. All transactions settle in your card’s primary currency – even if you hold other currencies in your Krak account.
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