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Krak Card

Kraken · Mastercard · debit · Custodial · metal

32 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Krak Card nets $0 a year; with $232 in balance locked, +$48 a year. According to Cardefi data, 30 of 36 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Krakendirect — pays us nothing
Cashback at your stake
0.0%
up to 2.0%
Min. stake for rewards
$232
Annual fee
$0
FX fee
0.0%
Net value / yr
$0
at $1,000/mo spend
Break-even
$0
yearly spend to cover fees
Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

StakeTierCashbackNet value / yr
$0 you StarterStarter0.0%$0
$232 LiteLite0.5%+$48
$58,070 MaxMax2.0%−$2,664

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake0.0% × $12,000+$0
Yearly feesannual $0 + 12 × $0−$0
FX on 25.0% of spend0.0% × $3,000−$0
Locked stake, 5.0% opportunity cost$0 × 5.0%−$0
Net value per year$0

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee€0 / year
1 source
“While Krak Card has no annual/monthly fees, no transaction fees, and no hidden charges”[2] · help_center · captured 5 Sep 2026
Monthly fee€0 / month
1 source
“The card is free to order and it has no monthly or annual fees.”[4] · landing · captured 5 Sep 2026
Card issuance€0Virtual and Plastic free; Metal free with a 30-day average balance of €50,000 or more; replacement plastic €4.99, metal €60
2 sources
“Plastic Debit Card | Free; replacement €4.99”[3] · fees_page · captured 5 Sep 2026
“Metal Debit Card | Free; replacement €60. Eligible users can apply for a metal card at no cost, when they maintain a 30-day average balance of ≥ EUR €50,000.”[3] · fees_page · captured 5 Sep 2026
Foreign transaction (FX)0.0%Mastercard rate without markup
1 source
“We don't charge FX fees when you spend in foreign currencies. We pass on the Mastercard exchange rate without markup.”[3] · fees_page · captured 5 Sep 2026
Crypto conversion / spread— not disclosed"A variable spread is included for card transactions involving crypto"; amount not disclosed. Spending fiat carries no spread
1 source
“A variable spread is included for card transactions involving crypto.”[3] · fees_page · captured 5 Sep 2026
ATM withdrawal0.0%No Krak fee; third-party ATMs may charge their own
1 source
“ATM Withdrawals | No Krak fee. Third-party ATM fees may apply”[3] · fees_page · captured 5 Sep 2026
Card replacement€4.99
1 source
“Plastic Debit Card | Free; replacement €4.99”[3] · fees_page · captured 5 Sep 2026

Reward tiers, as the issuer states them

TierRequirement · rate · cap
Starter0.0% · None · Cap: none · Paid in EUR, BTC
1 source
“Starter | < 200 | 0%”[3] · fees_page · captured 5 Sep 2026
Lite0.5% · ≥ €200 balance (≈ $232 at 6 Sep 2026) · Cap: not disclosed · Paid in EUR, BTC
1 source
“Lite | ≥ 200 | 0.5%”[3] · fees_page · captured 5 Sep 2026
Pro1.0% · ≥ €1,000 balance (≈ $1,161 at 6 Sep 2026) · Cap: not disclosed · Paid in EUR, BTC
1 source
“Pro | ≥ 1,000 | 1%”[3] · fees_page · captured 5 Sep 2026
Elite1.5% · ≥ €10,000 balance (≈ $11,614 at 6 Sep 2026) · Cap: not disclosed · Paid in EUR, BTC
1 source
“Elite | ≥ 10,000 | 1.5%”[3] · fees_page · captured 5 Sep 2026
Max2.0% · ≥ €50,000 balance (≈ $58,070 at 6 Sep 2026) · Cap: not disclosed · Paid in EUR, BTC
2 sources
“Max | ≥ 50,000 | 2%”[3] · fees_page · captured 5 Sep 2026
“Access to Metal Card and maximum cashback requires an average £ / € 50,000 in combined assets across Krak, Kraken and Kraken Pro.”[4] · landing · captured 5 Sep 2026

No rewards on: ATM withdrawals, transactions below £/€0.50.

Limits

Spend per month— not disclosedDaily, weekly and monthly limits depend on the region and are visible only in the app
1 source
“Daily, weekly, and monthly limits apply to both card spending and ATM withdrawals. These limits vary by region, and you can view them anytime in the Krak app.”[2] · help_center · captured 5 Sep 2026

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

  • Crypto conversion / spread. "A variable spread is included for card transactions involving crypto"; amount not disclosed. Spending fiat carries no spread
  • Spend per month. Daily, weekly and monthly limits depend on the region and are visible only in the app

Sources

8 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

  1. support.kraken.com/articles/360048212832-debit-or-credit-card-purchases-with-visa-and-mastercard- · help_center · 6 Sep 2026
  2. support.krak.app/articles/krak-card-faqs · help_center · 5 Sep 2026
  3. krak.app/pricing · fees_page · 5 Sep 2026
  4. krak.app/card · landing · 5 Sep 2026
  5. www.lb.lt/en/sfi-financial-market-participants/uab-monavate · legal · 6 Sep 2026
  6. registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C453020 · legal · 6 Sep 2026
  7. register.fca.org.uk/s/firm?id=0014G00002UyCbDQAV · legal · 6 Sep 2026
  8. api.fdic.gov/banks/institutions?filters=NAME%3A%22Lead%20Bank%22&fields=NAME%2CCERT%2CCITY%2CSTNAME%2CACTIVE%2CWEBADDR%2CCHARTER&format=json · legal · 6 Sep 2026

Report a wrong figure

We answer within 5 working days. Corrections are logged on /changes/.

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 32 countries are listed as available in total.

CountryStatusVariantIssuer / licence
United StatesAvailablechecked 5 Sep 2026terms in United States →USLead Bank
United KingdomAvailablechecked 5 Sep 2026terms in United Kingdom →UKMonavate Ltd
GermanyAvailablechecked 5 Sep 2026EEAUAB Monavate
SpainAvailablechecked 5 Sep 2026EEAUAB Monavate
IrelandAvailablechecked 5 Sep 2026EEAUAB Monavate
NetherlandsAvailablechecked 5 Sep 2026EEAUAB Monavate
PortugalAvailablechecked 5 Sep 2026EEAUAB Monavate
PolandAvailablechecked 5 Sep 2026EEAUAB Monavate
GreeceAvailablechecked 5 Sep 2026EEAUAB Monavate
SwedenAvailablechecked 5 Sep 2026EEAUAB Monavate
CzechiaAvailablechecked 5 Sep 2026EEAUAB Monavate
AustriaAvailablechecked 5 Sep 2026EEAUAB Monavate
BelgiumAvailablechecked 5 Sep 2026EEAUAB Monavate
CyprusAvailablechecked 5 Sep 2026EEAUAB Monavate
LatviaAvailablechecked 5 Sep 2026EEAUAB Monavate
SlovakiaAvailablechecked 5 Sep 2026EEAUAB Monavate
CroatiaAvailablechecked 5 Sep 2026EEAUAB Monavate
BulgariaAvailablechecked 5 Sep 2026EEAUAB Monavate
EstoniaAvailablechecked 5 Sep 2026EEAUAB Monavate
LiechtensteinAvailablechecked 5 Sep 2026EEAUAB Monavate
NorwayAvailablechecked 5 Sep 2026EEAUAB Monavate
HungaryAvailablechecked 5 Sep 2026EEAUAB Monavate
IcelandAvailablechecked 5 Sep 2026EEAUAB Monavate

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Krak Card charge on foreign currency?
Krak Card adds 0.0% on transactions in a currency other than the account currency.
Does Krak Card charge an annual fee?
The annual fee for Krak Card is $0.
How much cashback does Krak Card pay?
Krak Card pays up to 2.0%, which is the highest rate any of its tiers reaches.
Does Krak Card require a stake?
The lowest tier of Krak Card that requires a stake is Lite, at $232, and it pays 0.5%.
Does Krak Card work with Apple Pay or Google Pay?
Krak Card works with Apple Pay and Google Pay.
What does Krak Card charge at an ATM?
Krak Card charges 0.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Krak Card?
The issuer does. Spending on Krak Card draws on a balance held by the provider, not in a wallet you control.
Does Krak Card require identity verification?
Yes. Krak Card requires full identity verification before the card can be used.

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