 |  |
|---|---|
Available in the UK | |
Monthly fee No monthly fee | Subscription-based tiers |
FX fees Zero FX fees | Zero FX fees 1.7% fee on non-euro ATM withdrawals for Standard/Smart plans |
Cashback rate Up to 2%1 instant cashback in GBP | Up to 1% cashback But only when using the card outside of EEA, UK and Switzerland |
Salary match Yes, up to 1%2 | |
Multi-currency support | |
Apple Pay / Google Pay | |
ATM withdrawals Zero ATM withdrawal fees2 | 2–8 free withdrawals per month (plan dependent) Standard accounts incur a 1.7% FX fee on non-Euro withdrawals |
Monthly plans Free | Standard: €0 Smart: €4.90 Go: €9.90 Metal: €16.90 |
Best for Multi-asset spenders who value low fees and high rewards | Non-European travellers |
Unlike N26, Krak’s core card benefits are not tied to monthly subscription payments
Why Krak Card wins: N26’s approach may fit users who travel outside the EU and are happy to pay monthly for additional benefits. Krak is more appealing to clients who value market-leading cashback, lower fees and no paid subscription.
| |
|---|---|
FX fees Zero FX fees2 | FX markups outside market hours and plan limits |
Exchange rate Mastercard exchange rate with zero added markup | Mastercard exchange rate with zero added markup |
Transactions Free3 | Free |
Monthly fees Zero | Fees dependent on plan |
FX limits Zero | Fees dependent on plan |
| |
|---|---|
Cashback rate Up to 2%1 | |
Cashback currency Local currency | Euro |
Cashback example Spend: £2,000 = £40 cashback | |
Cashback payout timing Instant | Monthly |
Subscription required for cashback | |
Cashback payout destination Directly into Krak account | Directly into Revolut account |
Salary match Yes, 1% | |
Salary match example Monthly salary: £5,000 = £50 | |
Best for Those who value salary match and instant cashback | International travellers who prefer loyalty points to real cashback |
Why Krak Card wins: Krak Card cashback is instant. N26 focuses on tiered travel perks and only offers cashback when used outside the EEA, UK and Switzerland.
Salary match
Not investment advice. Crypto trading involves risk of loss. Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania (authorisation code: LBO02139). Payward Ireland Limited (PIL) and Payward Europe Solutions Limited (PESL), trading as Kraken, are regulated by the Central Bank of Ireland. E-money services are provided by PIL and spot trading services are provided by PESL.
Rewards are variable and not guaranteed; you can lose some or all of your assets. Interacting with on-chain smart contracts involves risks which are further detailed in the terms of service, including technological risk (bugs, exploits, and oracle/MEV/bridge failures), market risk (price volatility, de-pegs, and liquidation where relevant), and operational risk (irreversible transactions, gas fees, network congestion). Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Check this Support Center Article for more information.
In the EU, Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania to carry on electronic money activities and provide related payment services (authorisation code: LB002139). The e-money wallet associated with the KrakCard is provided by Payward Ireland Limited, trading as Kraken, is regulated by the Central Bank of Ireland. Spot trading services are offered by Payward Europe Solutions Limited t/a Kraken, regulated by the Central Bank of Ireland. These materials are for general information purposes only and are not investment advice or a recommendation or solicitation to buy, sell, stake or hold any cryptoasset or to engage in any trading strategy. Kraken does not and will not work to increase or decrease the price of any particular cryptoasset it makes available. The unpredictable nature of the cryptoasset markets can lead to loss of funds. Tax may be payable on any return and/or on any increase in the value of your cryptoassets and you should seek independent advice on your taxation position.
1 Rate depends on average assets held with Krak, Kraken and Kraken Pro. T&Cs apply. See Support Center for more info.
2 Availability varies by jurisdiction. A variable spread applies when spending across assets. Third-party ATM fees may apply.
3 Geo restrictions apply. Krak Concierge processes bookings via Entravel Holdings Ltd. (“EH”). Krak is not a travel agent and the merchant of record for bookings. Prices, taxes and fees are set by the provider. Cancellations/refunds follow the hotel and/or EH policy. Instant buy/sell fees apply and are shown when converting one asset or currency before making a transfer. See our fee schedule for details. Krak may receive a commission from EH on completed stays.
