Up to 1% cashback on everything

Spend cash or crypto with zero fees, globally.^{1, 2}

Get my Krak Card

The only debit card you’ll ever need

Up to 1% cashback in cash or crypto

Spend 400+ currencies at 110M+ merchants and get instant cashback in Euros, Pounds or Bitcoin.

Zero fees

Zero transaction fees, FX fees, ATM withdrawal fees or monthly fees on your spend.²

Order my card

The upside of holding

Unlock maximum cashback and exclusive access to Metal.

Stainless steel

16g

Mastercard

Reserve your card

Access to Metal Card and maximum cashback requires an average £ / € 50,000 in combined assets across Krak, Kraken and Kraken Pro.

The upside of holding

Unlock maximum cashback and exclusive access to Metal.

Stainless steel

16g

Mastercard

Reserve your card

Access to Metal Card and maximum cashback requires an average £ / € 50,000 in combined assets across Krak, Kraken and Kraken Pro.

From setup to spending in minutes

Choose your style

Choose orange or black — we’ll ship it to you quickly, discreetly, and for free.

Activate Instantly

Create your virtual card in minutes. Add to Apple Pay. Tap and go.

Use everywhere

Every way to spend. Tap in-store. Shop online. Withdraw worldwide.

Safe and in control

From fraud protection to instant card lock, your money is secure and managed by you.

Always-on protection
Every transaction is monitored in real time to help keep your spending safe.

Instant resolution
If you flag an unrecognised transaction, we’ll provide you with provisional credit within 24 hours while we investigate.

Custom controls
Manage PINs, block assets from spend, and freeze/unfreeze your card instantly — all from the app.

Real-time notifications
Get notified the moment a charge happens, wherever you are.

24/7 support
Help when you need it — available anytime in-app.

Get your Krak Card now

Download the app, apply instantly, and start spending with your virtual card today.

Get the Krak app

Get my Krak Card

Up to 4% boosted cashback on travel

Get a cashback boost when you book travel through Krak Concierge, with more merchants and perks rolling out soon.

Get the app

Pay securely with  Apple Pay

Add your Krak Card to Apple Pay and pay quickly, securely and privately – in-store and online.

FAQs

What is the Krak Card?

The Krak Card is a Mastercard debit card that lets you spend cash and crypto from your Krak Everyday account balance, anywhere Mastercard is accepted – online, in-store, and at ATMs in over 190 countries worldwide.

Am I eligible for the Krak Card?

You must have a verified Krak account with completed KYC (identity verification). Krak Card is currently available to residents of the UK and the EU, with more countries coming soon. See this Krak Card Support Center Article to see if you are eligible for the Krak Card.

Where can I use my card?

You can spend any of the 400+ currencies on your Krak Card at any of the 110M+ merchants that Mastercard® is accepted at, worldwide, and withdraw cash from ATMs.

Where can I earn cashback and how fast can I get it?

Anywhere your Krak Card is accepted, you’ll get up to 1% cashback on the transaction the instant it settles.

How much does it cost to spend cash or crypto on my Krak Card?

There are no transaction fees when you spend with Krak Card across the 400+ currencies available. We don’t even charge exchange rate fees when you shop overseas. Plus, Krak Card comes with no annual fee^1,².

How does multi-currency spend work?

Seamlessly. When you tap to pay, we spend your currencies in the order you set out. If your first currency doesn’t cover the full amount, we combine as many as you need.

What currency is my card’s primary currency?

If you’re in the UK, it’s GBP. In the EEA30, it’s EUR. All transactions settle in your card’s primary currency – even if you hold other currencies in your Krak account.

Will I be taxed on card transactions using crypto?

Using cryptocurrency for purchases is generally a taxable event. When you spend crypto, its converted to fiat currency, which creates capital gains or losses based on its value change. Consult a tax advisor to understand your individual circumstances. Learn more.

¹ ATM withdrawals not included, £/€0.50 min. transaction amount for cashback. Your cashback rate depends on the average assets you hold with Krak, Kraken and Kraken Pro. Geo restrictions apply. Check this Support Center Article for more information.
² A variable spread will apply when spending across assets. Third-party ATM fees may apply.

See this Krak Card Support Center Article to see if you are eligible for the Krak Card.

Using cryptocurrency for purchases may be a taxable event. When you spend crypto, it’s converted to fiat currency, which may create capital gains or losses based on its value change. Consult a tax advisor to understand your individual circumstances. Learn more.

Receiving cashback is generally not considered a taxable event. Consult a tax advisor to understand your individual circumstances. Learn more.

Krak Card is issued by Monavate (Company Number: 12472532) authorized in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097).

In the EEA; the Card is issued by Monavate UAB (Company No. 305628001, authorized in Lithuania by the Bank of Lithuania to issue electronic money (e-money) and provide payment services (license number 92).

Mastercard® is a registered trademark of Mastercard International Incorporated. The card is issued by Monavate pursuant to license by Mastercard International Inc.

To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. 

Apple Pay is not available in all markets. View Apple Pay countries and regions.

Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.