¹ ATM withdrawals not included, $0.50 min. transaction amount for cashback. Your cashback rate depends on the average assets you hold with Krak, Kraken and Kraken Pro. Geo restrictions apply. Check this Support Center Article for more information.
² Variable spread may apply when spending, FX fees apply, and third-party fees may apply at ATMs. See Pricing for details. Instant free transfers are between Kraken users.
3 APY may vary depending on market conditions. Geo restrictions apply. Not available in the EEA. Learn more.
4 APY as of January 21, 2026, subject to change. Available Variable APY is subject to change and based on onchain conditions. Geo restrictions apply.
Krak debit card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Krak is a financial technology company, not a bank. Account balances are not FDIC- or SIPC-insured. Digital assets converted to USD at purchase; values may fluctuate. Available to eligible U.S. residents only; not available in all states. See terms.
Krak Third Party Payments is provided by Payward Interactive, Inc. (NMLS #1843762), a licensed money transmitter. Payward Interactive, Inc. is not a bank. The virtual account associated with this feature is not a deposit account, and funds are not insured by the FDIC or any government agency. Funds are held in a pooled account at Citibank, N.A. in the name of Payward Interactive, Inc. for the benefit of users; users are not individual Citi accountholders. ACH transfers typically settle in 1–2 business days; holds may apply. Monthly transfer limits apply. For error resolution rights and other disclosures, see our Regulation E Disclosure.
Geo restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. Please see our fee schedule for more information.
Krak debit card will be available in all US states except New York, Maine, Massachusetts and Indiana. We are always working to bring our services to all our users.
Cryptocurrency services are provided to US and US territory customers by Payward Interactive, Inc. ("PWI") dba Kraken, a FINCEN registered money services business, a subsidiary of Payward, Inc. View PWI's disclosures here.
APY is variable and not guaranteed; there is a risk of loss. Onchain interactions involve technological, market, and operational risks (see Terms of Service). Kraken does not control third-party protocols. Vaults are an unregulated product and are provided by Payward Wallet, LLC. Fees apply. Geo restrictions apply.
To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions.
APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.
Spending crypto may be a taxable event, as conversion to fiat can create capital gains or losses. Consult a tax advisor for your individual circumstances. Learn more.
Cashback is generally not taxable. Consult a tax advisor for your circumstances. Learn more.
Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.
