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PRODUCT
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Crypto cards

Krak Card

Mastercard debit with five hold levels (Starter to Max) for UK/EEA: custodial, no subscription, saveback scaled via portfolio hold instead of monthly fee.

MastercardCustodialUK/EEA5 tiers

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No firmly documented immediate bonus · Examination open

Status: 07.09.2026

Compare

Krak Card ↔ Ledger CL CardIn comparison

At a glance

Net
Mastercard
Card type
Debit
Custody
Custodial

program

Stages in the program

Krak Card: Stages in the program from the crypto card catalog
criterionKrak starterEUR 0 HoldKrak Lite≥EUR 200Krak Pro≥EUR 1000Krak Elite≥10k €Krak Max≥50k €
NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.MastercardMastercardMastercardMastercardMastercard
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.DebitDebitDebitDebitDebit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.CustodialCustodialCustodialCustodialCustodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.UK/EEAUK/EEAUK/EEAUK/EEAUK/EEA
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.✓✓✓✓✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.$ 0 + Spread$ 0 + Spread$ 0 + Spread$ 0 + Spread$ 0 + Spread
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.$ 0 Kraken fee$ 0 Kraken fee$ 0 Kraken fee$ 0 Kraken fee$ 0 Kraken fee
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.no capno capno capno capno cap
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.0%0.5%1%1.5%2%
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.BTC or EURBTC or EURBTC or EURBTC or EURBTC or EUR
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.no subscription≥EUR 200 Hold≥EUR 1000 Hold≥10k € Hold≥50k € Hold

Overview

Editorial assessment

The Krak Card is the Mastercard debit crypto card program with five hold levels — Starter to Max — for the UK/EEA. Custodial via Krak/Kraken; no monthly card subscription in the documented features. Saveback starts at 0% at the entry level and increases via portfolio hold (≥EUR 200 to ≥50k €), not via VIP status or monthly fee. Lite from ≥EUR 200 (0.5%), Pro from ≥EUR 1000 (1%), Max from ≥50k € with 2%. The hold thresholds are the actual price of the higher columns.

FX is reported as $ 0 plus spread — not a pure 0% promise with no spread indication. ATM: 0 $Krak-Fee according to features; Saveback without a documented cap. Apple Pay and Google Pay are occupied; Cashout BTC or EUR. Network Mastercard. Higher levels are not free in the sense of hold-free: Lite and Pro require documented portfolio thresholds, even if there is no separate card subscription. If you don't want to hold the hold, stay with 0% saveback.

Custodial means exchange custody: funds are held by the provider, not in a self-custody wallet. Hold scaling links rewards to inventory and distinguishes Krak from subscription or VIP models. Spread and hold belong in the same everyday calculation as the saveback rate.

In Direct comparison Krak Card vs Ledger CL Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

If you are looking for a fixed USDG saveback with VIP scaling, compare them OKX Card with five VIP columns and a tight entry cap. Hold levels, FX and saveback per column are in the level table under the profile - Starter to Max next to each other.

Here's how to compare actual benefits: Separate inventory held from a fee spent. A hold is not a withdrawal, but can involve custody and price risks. Only count on the cashback level you actually achieve. The current Krak card page indicates a variable spread when converting between assets and possible third-party ATM fees (access 19.09.2026). Example calculation with freely chosen assumptions: EUR 500 legitimate expenses for 1% result in EUR 5 gross cashback. Spread, excluded sales and other costs must be taken into account separately; this is not a return forecast.

Compare alternatives

02

Pros

  • 5 stages in the same program
  • No monthly card subscription (no documented EUR 0 expenditure)
  • No saveback cap
  • Apple Pay / Google Pay

Cons

  • Saveback at entry level 0%
  • FX: $ 0 + spread
  • Higher levels not free (Krak Lite, Krak Pro)
03

Suitable for whom?

  • If you want to get by without a monthly card subscription (no subscription - this is not a documented € 0 expenditure).
  • If you want to use Apple Pay or Google Pay.
  • If custody via the provider is enough for you (custodial).

Who is it not for?

  • If you want to hold keys yourself - custody is custodial.
  • If you need 0% FX spread — FX: $ 0 + Spread.

Guides

Sources & notes

Review details3 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. Kraken cardKraken · retrieved 2026-09-07
  2. Kraken Card cashbackKraken · retrieved 2026-09-07
  3. Kraken Card FAQsKraken · retrieved 2026-09-07

For the complete methodology