Krak Card
Cashback depends on your average balance, not on how much you spend
United Kingdom: available
Features
- 💱 No FX fee on foreign-currency spend
- 🔀 Choose your spend order
- ✈️ Up to 6% back on flights and hotels
- 🏦 Platform account
- 🏷️ Debit card
- 💳 Physical card
Cashback & fees
How to get it: Free, no minimum 🔗
- Cashback
- 0%
- FX fee
- Not published
- FX fee 0% + crypto conversion spread (not published)
- Annual fee
- US$0
- Free physical card
Other fees
- ATM withdrawal
- No Krak fee (ATM operators may charge)
- Top-up
- Free by bank transfer or crypto deposit; £/€0.25 + 3.75% by Apple Pay, Google Pay or debit card
- Physical card replacement
- Plastic £/€4.99; metal £/€60
- In-app buy, sell or convert
- 1% per trade
- Issuer
- Monavate (UK/EEA)
New customer welcome
- Max tier 2% cashback for your first 30 days
Applies automatically to new Krak customers with no sign-up; after 30 days your tier follows your average balance
Salary Match
- up to 1% back on salary paid into Krak
At least £/€2,500 of salary paid in each month; Lite tier and above earn 0.25%–1% (Starter gets none), up to £/€250 a month; in the EEA, not available in France, Ireland, Italy, the Netherlands, Spain or Liechtenstein
See how much you could earn
Drag to see your cashback each month! FX fees are not deducted here.
—/ month
About — cashback a year
The Starter plan earns no cashback on spending
Plan: Starter Estimated from public information; the official terms prevailWorks with
- Apple Pay Supported
- Google Pay Supported
- ChatGPT subscription Users report it works
- Claude subscription Not yet verified Not yet verified. Tried it? Let us know
Spend it in these places
- United Kingdom
- Spain
- France
- Italy
- Türkiye
- United States
- Portugal
How to apply
- Use the button below to sign up with Krak Card
- Pass the issuer's identity check and the card is ready to use
Know before you apply
-
Paying from crypto or a balance in another currency adds a Krak spread of unpublished size. 🔗
-
UK and EEA account balances are e-money and are not covered by deposit insurance. 🔗
-
: Krak card payments and in-app instant buys failed for about 6.5 hours, and some users' funds were held meanwhile; Kraken has marked it resolved. 🔗
-
: Krak card payments and physical card orders failed in the UK and EEA for about 8 hours. 🔗
-
: Small transfers from sanctioned addresses triggered automatic Kraken account freezes; the accounts were later restored, but those incoming funds were held. 🔗
-
Users report restricted or closed accounts with funds they could not withdraw. 🔗
Notes
"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.
Disclaimer and disclosures: this page may contain referral links, and this site may earn a commission. For information only, not investment advice.
This page is for general information and education only. It is not investment, legal, tax, or professional advice. Markets and regulations may change at any time, and the information reflects conditions at the time of writing.
Penchan is not a registered securities investment adviser. Any securities, digital assets, or financial products mentioned are covered for informational purposes only and are not buy or sell recommendations. Make your own decisions and accept your own risk.
This page may contain partner or referral links. If you register for or use a service through these links, this site may receive a commission, paid by the provider. Actual fees and offers are subject to the provider's own terms.
Check the exchange's regulatory status in Taiwan (for example, whether it has completed anti-money-laundering registration; Taiwan's Virtual Asset Service Act was promulgated in July 2026, and as of September 2026 its licensing regime is not yet in force). Virtual assets are not covered by Taiwan's deposit insurance. A platform may fail, freeze assets, or be hacked, and remedies may be limited. Assess the risks carefully.
See this site's Legal Notice and Disclosures and Privacy Policy.