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Krak Card vs Commerzbank: fees, cashback & rewards compared

See how Krak Karte stacks up against Commerzbank on FX fees, cashback, and everyday spending.

Krak Card vs HSBC: feature comparison

The table below highlights the core features of each card so you can compare at a glance.
Krak Logo
Krak Card
HSBC logo
HSBC
Monthly fee
Free
krak_card_vs_commerzbank__a_side-by-side_comparison][fde2143b96de][fieldvalue
Free with £1,000 overdraft
Cashback rewards
Yes, up to 2%1
No cashback on standard debit card
Salary match
Yes, up to 1%2
Number of supported assets
GBP
(up to 18 via Global Money)
Apple Pay / Google Pay
ATM withdrawals
Domestic: Free
International: 2% (min £1.75, max £5)
Withdrawal limits depending on tier
FX fees
2.75%
Premium/Metal tier
Metal Card available
(avg £50,000 in combined assets)
HSBC Premier
(£75,000+ income or £100,000+ savings/investments)
Best for
Cashback seekers and fee-free international spenders
Full-service UK banking with global branch access
Looking for tools to manage your money? Explore our guide to the best wallet options and learn the difference between a custodial vs non-custodial wallet.

Krak Card vs HSBC:
who is cheaper?

Use the table below to compare Krak Card vs Revolut Standard across their various fees and charges to see which is cheaper.
Krak Logo
Krak Card
HSBC logo
HSBC
Monthly fees
Free
Free with £1,000 overdraft
FX fees
2.75%
FX fees on card payments
Mastercard rate
0.2–1.5%1
Visa rate
0.25–1.54%
Exchange rate transparency
Available in app
Available in E-banking
Best for
Saving money on every international purchase
Domestic UK spending with traditional banking support

Spending 1 500 £ abroad? Here's what it gets you.

Krak Logo

1 500 £ will get you

1 770 €

Up to 24 € more

Revolut

1 500 £ will get you

1 746 €

Data as of March 2026

24 € less

Spend crypto directly — not just cash

With Krak Card, you can spend from 400+ supported assets, including crypto and fiat. You control your spend order in-app

Krak Spend order

Krak Card vs Revolut:
cashback and rewards comparison

Cashback is one of the most meaningful ways a debit card can add value to your everyday spending. The table below breaks down how Krak Card and HSBC compare on rewards.
Krak Logo
Krak Card
Revolut logo
HSBC
Cashback support
Cashback rate
Up to 2%
Cashback currency
GBP
(or other supported currencies)
Subscription required for cashback
N/A
Cashback payout destination
Krak account balance
N/A
Cashback payout timing
Instant at settlement
N/A
Monthly spend example
None
Best for
Earning real, automatic cashback on daily purchases
Users who don’t prioritize debit card rewards

Cashback example: If you spend £2,000 a month on groceries, transport, and subscriptions, Krak Card puts up to £40 straight back into your account every month — that’s a possible £480 per year. 

HSBC’s standard debit card doesn’t offer any cashback program. To earn rewards with HSBC, you’d need to apply for one of their credit cards, which is a separate product with its own eligibility requirements and interest charges.

Monthly cashback simulator

At

Krak Card

Revolut

1 month

40,00 £

0,00 £

6 months

240,00 £

0,00 £

1 year

480,00 £

0,00 £

Apply for Krak Card
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Kraken vs Revolut

Which card is better for UK customers?

For those who want cashback, a salary match and zero fees, Krak offers a more integrated experience.
Better for international spenders
dot
Better for cashback
dot

Better for salary match

Reserve your card

Which card is better for UK customers?

For those who want cashback, a salary match and zero fees, Krak offers a more integrated experience.
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Better for international spenders
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Better for cashback
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Better for salary match

FAQs

Yes, Krak Card is available in the UK. The Mastercard debit card offers up to 2% cashback on purchases, up to 1% salary match, and is available in both virtual, plastic and stainless steel formats.1 2

No, Krak does not charge FX (Foreign Exchange) fees. There are also no monthly fees and zero ATM withdrawal fees, although third-party ATM fees may apply.

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No, all the Krak Card plans (Virtual, Coral, Black and Metal) are free and do not charge a monthly subscription fee, allowing you to save more.

Not investment advice. Crypto trading involves risk of loss. Krak Card is issued by Monavate Limited, authorised by the FCA to issue electronic money and payment services (FRN: 901097). Payward Services Limited is authorised by the FCA to carry on electronic money activities and payment services under the E-Money Regulations 2011 (FRN: 1010381). Cryptoasset exchange and custody services are offered by Payward Ltd, registered as a cryptoasset firm with the FCA (FRN: 928768). These services are unregulated and not covered by the Financial Services Compensation Scheme. Cryptoasset values can go down as well as up and gains may be subject to Capital Gains Tax. This content is for general information only and is not investment advice or a recommendation to buy, sell, stake or hold any cryptoasset.
1 Rate depends on average assets held with Krak, Kraken and Kraken Pro. T&Cs apply. See Support Center for more info.
2 Eligible clients in the UK only. T&Cs apply. Min. cumulative transfer(s) of £2,500 (max 4 payments) from employer payroll; exclusions apply. Rewards credited monthly as determined by Krak; max £250/month. 1% promotional rate not guaranteed; applies until 01/05/26, then depends on average assets held with Krak, Kraken and Kraken Pro. Kraken may amend, suspend, or end the promotion. Tax may apply. E-money services are not protected under the Financial Services Compensation Scheme. Reward value may fluctuate if held or converted into other assets.
3 A variable spread applies when spending across assets. Third-party ATM fees may apply.
4 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.

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