What is Krak Card?
The Krak Card is a Mastercard debit card that allows users to spend fiat or crypto from their Krak balance worldwide, with no card fees and up to 1% cashback.
Krak Card 
Spend 400+ crypto & fiat assets. Zero fees. Up to 1% BTC cashback. UK & EEA.
Status: Live
Issued by Krak
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Card Overview
Custody Type
custodial
Card Type
Debit Card
Material
Virtual, Plastic & Metal
KYC
Enhanced
The Krak Card is a Mastercard debit card that allows users to spend fiat or crypto from their Krak balance worldwide, with no card fees and up to 1% cashback.
Pros
Instant real-time crypto conversion at point of sale
IBAN for salary deposits
No cashback cap or monthly limits
Cons
Metal card requires £/€50,000 average balance
Krak Vaults (yield) not available in EEA
Variable spread applied on crypto-to-fiat conversion
No government deposit insurance on holdings
ATM cashback excluded
Krak Card is issued by UAB Monavate, authorized by the Bank of Lithuania (EEA) and Payward Services Limited, FCA-authorized EMI (UK). The Krak app also offers Krak Vaults with up to 10%+ APY (UK only) and direct salary deposits via IBAN. The Metal tier requires a 30-day average balance of £/€50,000 across Krak, Kraken, and Kraken Pro accounts.
Rewards & Staking
Max Cashback
1%
On eligible purchases
Reward Token
BTC, EUR, GBP
Paid out in BTC, EUR, GBP
Staking APY
N/A
On staked assets
Reward specifics
Boost Multiplier N/A
Monthly Cap No cap
Payout Frequency N/A
Welcome Bonus None currently advertised
Referral Bonus None currently advertised
Bonus APR N/A
Bonus Token N/A
Staking & Requirements
Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance Free
Replacement N/A
Physical Card
Material Plastic
Issuance Free
Shipping Free
Replacement £4.99 / €4.99
Metal Card
Material Metal
Issuance Free
Shipping Free
Replacement £60 / €60
Lifestyle & Perks
Not Offered
Airport Lounge
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Not Offered
Esim
Free
Concierge Services
Not Offered
Golf Access
Not Offered
Fitness Membership
Not Offered
Exclusive Club
Not Offered
Exclusive Merch
Not Offered
Nft Drops
Not Offered
Crypto Token Deals
Fees & Limits
Fee Schedule
Fee Structure Forever Free
FX Fee 0%
ATM Withdrawal Free (Kraken ATMs; third-party fees may apply)
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee None
Top Up Fee Free
Liquidation Fee Variable spread (applied on crypto-to-fiat conversion)
Custody Fee None
Usage Limits & requirements
Daily Spend Limit No daily limit specified
Monthly Spend Limit £/€50,000
ATM Withdrawal Limit £/€1,000/day
Free ATM Limit Free (no Kraken ATM fees)
Max Balance £/€50,000
Min Balance £/€0
Top Up Limits £/€10 minimum
Technical Features
Integrations
Contactless
Security
2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking
App & Usability
Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator
Advanced & Global
Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details
Crypto Capabilities
Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring
Banking & On-Ramp
Banking Features
Virtual Bank Account Yes
Account Type IBAN
Direct Deposit Yes
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
AvailableFunding Options
Bank Transfer
On-Ramp Fees
0%
Krak supports crypto-to-fiat conversion at point of sale with a variable spread. Bank transfers via IBAN are available for fiat off-ramp.
Off Ramp
AvailableOff-Ramp Options
Bank Transfer
Stablecoin Offramp
Supported Stablecoins
USDC, USDT
Off-Ramp Fees
0%
Operations & Support
Support Channels
Support Tier standard
Support Type Email, Chat, In-App
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
EnhancedEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Required
Supported Countries of Residence
Available
Not available
32
countries
View country list (32 countries)
AustriaBelgiumBulgariaCroatiaCyprusCzechia (Czech Republic)DenmarkEstoniaEuropean UnionFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom
Countries where cardholders can reside to be eligible for this card
Serviceable Coverage Countries
Available
Not available
188
countries
View country list (188 countries)
AlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where the card can be used for transactions
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Community
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Frequently asked questions about Krak Card
Direct answers to the questions people ask most before they compare or apply for this card.
What rewards does Krak Card offer?
Krak Card offers up to 1% cashback, rewards are paid in BTC, EUR, GBP, reward caps can reach No cap, welcome bonus: None currently advertised.
What fees does Krak Card charge?
Key charges include fee model: Forever Free, FX fee: 0%, ATM fee: Free (Kraken ATMs; third-party fees may apply).
Where is Krak Card available?
Krak Card is available in Albania, Algeria, and Andorra, plus 185 more markets, current status: Live.
Which assets can you spend with Krak Card?
Krak Card supports BTC, ETH, SOL, USDC, and USDT, plus 3 more assets for spending, supported chains include Bitcoin, Ethereum, Solana, and Polygon.
Krak
Krak is Kraken's crypto money app and debit card, offering fee-free spending across 400+ crypto and fiat currencies with 1% cashback on every purchase. The Krak Card (Mastercard World Elite) supports real-time conversion, no FX or monthly fees, salary deposits, and DeFi Vault yields. Available in UK and EEA.
Review the official legal details for Krak Card on their website.
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