Krak Card
2%
Free
17 countries
Krak is the card built into Kraken's standalone money app, offering a free physical and virtual debit card with a German IBAN in the holder's name. It is custodial, backed by one of the largest global exchanges, and charges no monthly, issuance, ATM or FX fees, taking roughly a 1% spread on crypto-to-EUR conversion. Cardholders earn up to 2% cashback (paid in EUR or BTC, capped around 240 EUR/month) across 600+ supported currencies, currently focused on European users.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How Krak Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $0 | $120 | $0 | −$240 | −$120 | #16 |
| Active$2000/mo card · $800/mo ATM | $0 | $240 | $0 | −$480 | −$240 | #16 |
| Heavy$5000/mo card · $1500/mo ATM | $0 | $600 | $0 | −$1,200 | −$600 | #17 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- ATM withdrawals cost 0% — about $0 on a $500 withdrawal. The median across tracked cards is 2%.
- Available in 17 countries — #27 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Bleap Card | 0.3% | — | 1% |
| Spritz Card | 0.5% | — | 5% |
| COCA Card | 0.6% | — | 8% |
| Nexo Card | 0.95% | — | 2% |
| Phantom Card | 0.95% | — | — |
User reviews
No reviews yet. Be the first to review this card.
Reviews are moderated. We publish honest feedback, including criticism.
Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
Krak Card FAQ
Krak Card holds a trust score of 8.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Most users speak well of it.