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debit Card•
Krak
by Kraken
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
Kraken
Cashback
Up to 1%
Annual Fee
Free
FX Fee
None
Staking
None
1%
Max Cashback
Paid in BTC, EUR, GBP
$0
Annual Fee
1
Premium Perks
Available Regions
Unique Features
- Automatic crypto-to-fiat conversion at checkout with configurable spending order and real-time transaction controls.
Pros
- No monthly or annual fees, withdrawal/deposit fees avoidable
- No FX fees on card spending
- Up to 1% cashback
- Apple Pay, Google Pay, App
- Physical and virtual card available
- Free card delivery, cheap replacement
- Interconnectivity with Kraken ecosystem
- Kraken Balance adds to cashback balance
Cons
- Crypto spending includes a variable conversion spread
- Not available in the US yet
- 1% cashback requires high balance
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
AvailableExcludedUnknown
Available In (31)
AustriaBelgiumBulgariaCroatiaCyprusCzech Republic
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
Replacement$5
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement Fee$5
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
No detailed crypto configuration data available.
Lifestyle Benefits
Krak Concierge 6% discount
Rewards Program Details0.5% requires $1000 balance
0.75% requires $10000 balance
1% requires $50000 balance
Balance is Krak and Kraken funds combined.
Payout Frequency
Instant
Exclusions
ATM withdrawals, refunds, chargebacks, and very small transactions
