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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
Krak CardUK physical App application guide Card 1	First plastic card free Replacement £4.99 Krak Card · UK 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 · UK 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 · UK 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 · UK 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 GBP 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 · UK physical Eligibility Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval.	Yes Supported Krak Card · UK physical Apple Pay Apple Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes Supported Krak Card · UK physical Google Pay Google Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes： No Krak ATM fee Operator fees & conversion spread extra; monthly £4,000 Krak Card · UK physical ATM withdrawals 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.	0 crypto deposit fee · free UK transfer Gas extra; card deposit costs £0.25 + 3.75% Krak Card · UK physical Funding fees 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.	Mastercard debit + virtual card Krak Card · UK physical Card format Plastic Mastercard debit card with a virtual companion No credit borrowing; activate the delivered physical card for in-person and ATM use.	Fund Everyday · choose spend coin Fiat and crypto split; verify network Krak Card · UK physical Payment assets 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.	Spend £22k/day · £22k/month Max £5k/tx; ATM £250/tx, £750/day Krak Card · UK physical Spending / ATM 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.	Spend Krak Everyday balance Platform-managed; not bank deposits, no deposit protection Krak Card · UK physical Who holds funds 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.	KYC → virtual card → order physical Unified login; activate physical in app Krak Card · UK physical Apply / activate 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.	GBP settlement · refunds credited in GBP Refunds not repurchased; freeze in app for disputes Krak Card · UK physical Refunds / repayment 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.	No additional terms listed Krak Card · UK physical Usage limits No additional terms listed
MEXC CardGlobal virtual Apply now May earn commission Card 2	$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.	No No ATM for virtual card Global virtual card; offline withdrawals excluded MEXC Card · Global virtual ATM withdrawals No ATM access for the virtual card This edition is the Global virtual card, without a physical card.	0 USDT card top-up fee Fund via Fiat balance; network and buy costs extra MEXC Card · Global virtual Funding fees No card top-up fee for USDT funding Network and crypto-purchase channel costs are separate; fund the card through your Fiat account.	USD Visa virtual card MEXC Card · Global virtual Card format USD Visa virtual card Online or supported mobile-wallet payments; excludes the separate MEXC APAC and ether.fi co-branded programs.	USDT funded via Fiat account Spot transfer or on-chain deposit; initial top-up MEXC Card · Global virtual Payment assets USDT → Fiat account → My MEXC Card → Deposit Transfer from Spot, deposit on-chain, or buy USDT through Quick Buy/P2P; verify network/address. Activation funding may be required and is returned if the application fails.	Max $80,000/tx · $1,000,000/day Max 100 tx/day, 2,500/mo; risk checks apply MEXC Card · Global virtual Spending / ATM limits Up to $80,000/transaction and $1,000,000/day 100 transactions/day, 2,500/month and 25,000/year; no fixed annual amount is listed, which does not imply unlimited spending.	USDT held in MEXC Fiat/card account Platform managed; insufficient balance declines MEXC Card · Global virtual Who holds funds USDT held in MEXC Fiat/card accounts managed by the platform Card funding is held in platform accounts, not a separately controlled wallet; insufficient funds can cause declines.	Apply for Global after Advanced KYC Real residence details; normally one card per type per identity MEXC Card · Global virtual Apply / activate Advanced KYC → Buy Crypto / More → MEXC Card → Global → Apply Supply identity, contact and actual residence details; deposit if required for activation, then link a wallet after approval. Normally one card of each type per verified identity.	Refunds 1–7 days · no fee Hotels up to 30d; clawback applies; dispute 90-120d MEXC Card · Global virtual Refunds / repayment Settlement usually 1–3 working days; no Global refund fee Settlement may take 30 days; refunds usually 1–7 days, up to 30 for travel/hotels. Rewards are clawed back. Freeze suspicious cards and contact merchant/support; duplicate-charge disputes within 90 days, fraud within 120.	October campaign advertises purchase-fee waivers MEXC Card · Global virtual Usage limits October campaign advertises purchase-fee waivers Campaign eligibility applies, not every account or transaction. Annual estimates retain the regular 1%, without annualizing the waiver. Issuance offers are separate.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
Krak CardUK physical	—Spending rate not estimable	—	—	—	Full fee terms Krak Card · UK physical Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
MEXC CardGlobal virtual	—Issuance quote unconfirmed	$120	$0	—	Full fee terms MEXC Card · Global virtual Projects the Global regular 1% purchase fee for 12 months; October and other temporary waivers are not annualized. No extra FX markup. Excludes Visa rate differences, the $0.10 fee on purchases below $1, failed-transaction fees and funding costs. Issuance waiver has no fixed end date: confirm the quote; no first-year subtotal. Later-year estimates exclude issuance. www.mexc.com · 2026-10-04 Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.