Debit Mastercard

Krak Card

Explore Krak UK and EEA Mastercard debit cards: Everyday balance spending, regional fees, asset-tier rewards, ATM terms and application requirements.

Check official terms Compare cards

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Card variants

Checked 2026-09-18

EEA physical

Debit · Mastercard

EEA residents

NetherlandsResidence supported; identity requirements apply

App application guide

Fees and rewards

Issuance: Initial plastic card issuance is free
Replacement €4.99; excludes the separately qualified metal edition.

Sources · 1
krak.app 2026-09-21
Ongoing fees: No annual or monthly fee
Asset conversion, some funding routes and ATM-operator fees remain payable.

Sources · 1
support.kraken.com 2026-10-03
Foreign currency: No added FX fee; Mastercard exchange rate applies
Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.

Sources · 1
krak.app 2026-09-21
Rewards & conditions: 0%–2% by 30-day average assets; 2% requires €50,000
Combined Krak/Kraken/Kraken Pro assets: below €200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in EUR or BTC, currently uncapped monthly. ATM, refunds and purchases below €0.49 excluded. New-user 30-day 2% requires promotional eligibility.

Sources · 2
krak.app 2026-09-21 support.krak.app 2026-09-18
Funding / conversion: No platform deposit fee for crypto or internal Krak/Kraken transfers
Sender network fees remain. Debit-card or Apple/Google Pay funding costs €0.25 + 3.75%; local bank transfer is free, PayPal/SWIFT varies.

Sources · 1
krak.app 2026-09-21
ATM withdrawals: Yes： Yes No Krak ATM withdrawal fee
Operator charges and cross-asset spread may apply. Maximum €300/withdrawal, €900/day and €4,800/month, subject to available balance.

Sources · 2
krak.app 2026-09-21 support.krak.app 2026-09-18

Spending and limits

Card format: Plastic Mastercard debit card with a virtual companion
No credit borrowing; activate the delivered physical card for in-person and ATM use.

Sources · 2
krak.app 2026-09-18 support.kraken.com 2026-09-18
Apple Pay: Yes Apple Pay supported
Requires a supported device/wallet market and successful card enrollment.

Sources · 1
support.kraken.com 2026-09-18
Google Pay: Yes Google Pay supported
Requires a supported device/wallet market and successful card enrollment.

Sources · 1
support.kraken.com 2026-09-18
Assets and funding: Fund Everyday first, then choose assets in Spend Order
Transfer from Kraken or use Krak Add money. Supported fiat/crypto can fund a purchase together; assets marked Unavailable cannot be spent. Match token and network for on-chain funding.

Sources · 2
support.kraken.com 2026-09-18 support.krak.app 2026-09-18
Spending and withdrawal limits: Spend €6,000/purchase, €12,000/day, €12,000/month
ATM €300/withdrawal, €900/day, €4,800/month. Card → Card Settings → Limits shows personal and remaining limits.

Sources · 1
support.krak.app 2026-09-18

Application and account

Residence / identity: Verified eligible EEA users
Identity and residence approval required; travel, nationality or holding local currency does not establish residency.

Sources · 1
support.kraken.com 2026-09-20
Application and activation: Verify identity → set up virtual card → order physical → shipping address → activate
Krak/Kraken share login; manage cards in Krak Card. After initial setup select a physical card and confirm name/address. This is plastic, not the separately qualified metal edition.

Sources · 1
support.kraken.com 2026-09-18
Custody: Spends platform-held Krak Everyday balances
Trading/staked assets must first be transferred in. E-money is not a bank deposit: no UK FSCS or EEA deposit-guarantee protection.

Sources · 2
krak.app 2026-09-18 support.kraken.com 2026-09-18
Refunds, repayment and card controls: Settles in EUR; refunds return EUR to Everyday
Refunds do not automatically repurchase crypto. Merchant preauthorizations may reserve extra funds. Freeze in Card; dispute through transaction details → Get help with this transaction, contacting the merchant first for goods/services issues.

Sources · 2
support.kraken.com 2026-09-18 support.krak.app 2026-09-18

UK physical

Debit · Mastercard

UK residents

NetherlandsNot available for this residence

See available cards

Fees and rewards

Issuance: Initial plastic card issuance is free
Replacement £4.99; excludes the separately qualified metal edition.

Sources · 1
krak.app 2026-09-21
Ongoing fees: No annual or monthly fee
Asset conversion, some funding routes and ATM-operator fees remain payable.

Sources · 1
support.kraken.com 2026-10-03
Foreign currency: No added FX fee; Mastercard exchange rate applies
Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.

Sources · 1
krak.app 2026-09-21
Rewards & conditions: 0%–2% by 30-day average assets; 2% requires £50,000
Combined Krak/Kraken/Kraken Pro assets: below £200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in GBP or BTC, currently uncapped monthly. ATM, refunds and purchases below £0.49 excluded. New-user 30-day 2% requires promotional eligibility.

Sources · 2
krak.app 2026-09-21 support.krak.app 2026-09-18
Funding / conversion: No platform deposit fee for crypto or internal Krak/Kraken transfers
Sender network fees remain. Debit-card or Apple/Google Pay funding costs £0.25 + 3.75%; local bank transfer is free, PayPal/SWIFT varies.

Sources · 1
krak.app 2026-09-21
ATM withdrawals: Yes： Yes No Krak ATM withdrawal fee
Operator charges and cross-asset spread may apply. Maximum £250/withdrawal, £750/day and £4,000/month, subject to available balance.

Sources · 2
krak.app 2026-09-21 support.krak.app 2026-09-18

Spending and limits

Card format: Plastic Mastercard debit card with a virtual companion
No credit borrowing; activate the delivered physical card for in-person and ATM use.

Sources · 2
krak.app 2026-09-18 support.kraken.com 2026-09-18
Apple Pay: Yes Apple Pay supported
Requires a supported device/wallet market and successful card enrollment.

Sources · 1
support.kraken.com 2026-09-18
Google Pay: Yes Google Pay supported
Requires a supported device/wallet market and successful card enrollment.

Sources · 1
support.kraken.com 2026-09-18
Assets and funding: Fund Everyday first, then choose assets in Spend Order
Transfer from Kraken or use Krak Add money. Supported fiat/crypto can fund a purchase together; assets marked Unavailable cannot be spent. Match token and network for on-chain funding.

Sources · 2
support.kraken.com 2026-09-18 support.krak.app 2026-09-18
Spending and withdrawal limits: Spend £5,000/purchase, £22,000/day, £22,000/month
ATM £250/withdrawal, £750/day, £4,000/month. Card → Card Settings → Limits shows personal and remaining limits.

Sources · 1
support.krak.app 2026-09-18

Application and account

Residence / identity: Verified eligible UK users
Identity and residence approval required; travel, nationality or holding local currency does not establish residency.

Sources · 1
support.kraken.com 2026-09-20
Application and activation: Verify identity → set up virtual card → order physical → shipping address → activate
Krak/Kraken share login; manage cards in Krak Card. After initial setup select a physical card and confirm name/address. This is plastic, not the separately qualified metal edition.

Sources · 1
support.kraken.com 2026-09-18
Custody: Spends platform-held Krak Everyday balances
Trading/staked assets must first be transferred in. E-money is not a bank deposit: no UK FSCS or EEA deposit-guarantee protection.

Sources · 2
krak.app 2026-09-18 support.kraken.com 2026-09-18
Refunds, repayment and card controls: Settles in GBP; refunds return GBP to Everyday
Refunds do not automatically repurchase crypto. Merchant preauthorizations may reserve extra funds. Freeze in Card; dispute through transaction details → Get help with this transaction, contacting the merchant first for goods/services issues.

Sources · 2
support.kraken.com 2026-09-18 support.krak.app 2026-09-18

Cards at a glance

Full comparison

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One card per row. This page’s cards appear first; order is not a ranking.
Card	Issuance	Monthly / annual	Spending fees	Rewards	Eligibility	Apple Pay	Google Pay	Apply
Krak CardEEA physical This card	First plastic card free Replacement €4.99 Krak Card · EEA physical Issuance Initial plastic card issuance is free Replacement €4.99; excludes the separately qualified metal edition.	No annual / monthly fee Conversion spread / funding extra Krak Card · EEA physical Monthly / annual No annual or monthly fee Asset conversion, some funding routes and ATM-operator fees remain payable.	No extra FX fee; spread applies Variable cross-asset spread Krak Card · EEA physical Spending fees No added FX fee; Mastercard exchange rate applies Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.	0%–2% by asset tier 30-day avg. €200: 0.5% €50,000: 2%; fiat/BTC Krak Card · EEA physical Rewards 0%–2% by 30-day average assets; 2% requires €50,000 Combined Krak/Kraken/Kraken Pro assets: below €200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in EUR or BTC, currently uncapped monthly. ATM, refunds and purchases below €0.49 excluded. New-user 30-day 2% requires promotional eligibility.	Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval. Krak Card · EEA physical Eligibility Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval.	Yes Supported Krak Card · EEA physical Apple Pay Apple Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes Supported Krak Card · EEA physical Google Pay Google Pay supported Requires a supported device/wallet market and successful card enrollment.	App application guide
MetaMask CardVirtual	Free virtual card MetaMask Card · Virtual Issuance Free virtual issuance	No annual fee MetaMask Card · Virtual Monthly / annual No annual fee	1% cross-border fee Eligible stablecoin conversion 0–0.5% Other crypto 0.875%; gas extra MetaMask Card · Virtual Spending fees Foreign-merchant transactions 1%; asset conversion may add fees Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.	1% mUSD Eligible spend; claim; gas extra MetaMask Card · Virtual Rewards 1% mUSD on eligible purchases Claim in the Card rewards page; network gas may apply. Refunds and ineligible transactions do not earn rewards; Metal 3% terms do not apply.	Applications open · identity checks required Listed in the current signup regions; identity and card approval required. MetaMask Card · Virtual Eligibility Applications open · identity checks required Listed in the current signup regions; identity and card approval required.	Yes Supported MetaMask Card · Virtual Apple Pay Can be added to your mobile wallet Wallet region and device requirements apply	Yes Supported MetaMask Card · Virtual Google Pay Can be added to your mobile wallet Wallet region and device requirements apply	App application guide
Bitpanda CardEuro-area physical card	First card + delivery free Lost card: €5.90 replacement Bitpanda Card · Euro-area physical card Issuance First card and initial delivery are free Lost/damaged replacements cost €5.90; expired cards are replaced free. Shipping must match the registered residential address.	No monthly fee Trading / conversion / ATM extra Bitpanda Card · Euro-area physical card Monthly / annual No monthly fee Trading, asset conversion and ATM fees are separate.	€0 extra FX fee Visa rate; crypto trading fee extra Bitpanda Card · Euro-area physical card Spending fees €0 additional non-EUR card transaction fee Network conversion still applies and crypto trading fees are separate; merchant/ATM dynamic currency conversion may impose its own costs.	1% on eligible crypto spend Paid in spent crypto; excludes stablecoins, EUR, metals, stocks Bitpanda Card · Euro-area physical card Rewards 1% on eligible crypto-funded purchases Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.	Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required. Bitpanda Card · Euro-area physical card Eligibility Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.	Yes Supported Bitpanda Card · Euro-area physical card Apple Pay Apple Pay supported Wallet and device requirements apply.	Yes Supported Bitpanda Card · Euro-area physical card Google Pay Google Pay supported Requires a device compatible with Google Wallet.	App application guide
OKX CardEEA virtual	Free virtual card Eligible European users only OKX Card · EEA virtual Issuance Free virtual-card issuance Eligible European users only; no physical card is issued.	No monthly / annual fee Stablecoin spread: 0.1% OKX Card · EEA virtual Monthly / annual No monthly, annual or inactivity fee Stablecoin conversion spread still applies; no holding fee does not mean cost-free purchases.	0.1% conversion spread EUR settlement; Mastercard FX OKX Card · EEA virtual Spending fees 0.1% stablecoin conversion spread; no card FX markup Card settles in EUR; Mastercard converts non-EUR purchases. EUR billing and the stablecoin conversion spread still apply.	2% USDG · max €50/mo Eligible USDG purchases only OKX Card · EEA virtual Rewards Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000 Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.	Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval. OKX Card · EEA virtual Eligibility Applications open · identity checks required Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.	Yes Supported OKX Card · EEA virtual Apple Pay Apple Pay supported Requires supported device, wallet market and successful enrollment.	Yes Supported OKX Card · EEA virtual Google Pay Google Pay supported Requires supported device, wallet market and successful enrollment.	App application guide
MEXC CardGlobal virtual	$0 promotional issuance Normally $20; check waiver MEXC Card · Global virtual Issuance Currently $0 issuance under a limited waiver of the $20 standard fee No fixed waiver end date is published; confirm at application, not a permanent free-issuance promise.	No annual fee Small / failed transactions extra MEXC Card · Global virtual Monthly / annual $0 annual, inactivity and termination fees Global transactions below $1 cost $0.10; failed transactions cost $0.50 each when failure rate reaches 20%.	Regular purchase fee 1% Campaign waivers separate; no FX markup. Visa rates and small/failed fees apply. MEXC Card · Global virtual Spending fees Standard purchase fee 1%; no conversion fee or additional FX markup Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.	4% · max 100 USDT/mo Standard actual M-Score ≥350 Month-end tier applies MEXC Card · Global virtual Rewards Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800 Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.	Applications open · identity checks required Global Card applications available; Advanced KYC, actual address and account/card approval required. MEXC Card · Global virtual Eligibility Applications open · identity checks required Global Card applications available; Advanced KYC, actual address and account/card approval required.	Yes Supported MEXC Card · Global virtual Apple Pay Apple Pay supported Add card details and verify; wallet name must match the cardholder, with supported region/device.	Yes Supported MEXC Card · Global virtual Google Pay Google Pay supported Add card details and complete verification; wallet name must match the cardholder.	Apply nowPartner link