Give yourself up to a 1% raise

Receive up to a 1% salary match¹ when your salary is paid into your Krak account. Up to 250 € per month. Up to 3.000 € per year. Simply for getting paid. T&Cs apply.

Get my raise

Krak pays you up to 1% on your salary

More than just a salary match. When you make Krak your personal account, you don’t just earn on your salary. You earn more across your entire eligible activity.

Up to 1% salary match¹ on your salary payments

Up to 1% cashback on spending with Krak Card²

Up to 8% APY on eligible Krak Vault investments³

Descargar Krak

Here’s how it works

Open your Krak account

Open your free account and complete verification.

Move your salary

Share your Krak account details with your employer.

Get matched monthly

Each qualifying salary transfer pays up to a 1% match.

See how your salary match adds up

Your salary matched at up to 1%¹, calculated and credited automatically. Up to 250 € per month. Up to 3.000 € per year. Paid out monthly in € or BTC.

Get my raise

Everything You Need. In One Account.

A personal account to get paid, send money, and manage bills.

A card that earns up to 1% cashback every time  you spend.²

Up to 8% APY on eligible Krak Vault investments.³

Access to 600+ digital assets.

Free account and card.

Preguntas frecuentes

Who can participate in the Salary match?

The Salary Match is available to verified Krak clients who reside in Luxembourg or Germany. You must: Hold a Krak account in good standing, complete identity verification, receive qualifying salary transfers in EUR. Learn more about the Salary Match in the Support Center.

When does the promotion run?

From March 3 to May 1, qualifying salary transfers earn a full 1% match regardless of balance. After May 1, your match rate reflects your 3-month average balance on Krak, Kraken and Kraken Pro. Payward Ireland Limited may modify, pause, or end the promotion at its discretion.

How do I move my salary to Krak?

Share your Krak IBAN account details with your employer.

Is my salary eligible for a salary match?

To qualify for the salary match, you must redirect a total of at least €2,500 per month to your Krak account. Up to four payroll transfers per month from a single employer qualify, capped at €25,000. If you’re not paid on a monthly basis (you’re paid weekly or otherwise), we will reward up to 4 salary transfers per month. Eligible salary payments received between the 1st and last day of each calendar month are included in that month’s calculation. See T&Cs for full details.

When and how are rewards paid?

Rewards are paid out in the beginning of the following month. Rewards are credited in local currency (with the option to receive them in BTC).

What does not qualify for a salary match?

The following do not qualify as salary transfers: Peer-to-peer (P2P) transfers, self-funded transfers, transfers between Kraken and Krak accounts, crypto on-chain transfers, non-payroll payments. If suspicious activity occurs Kraken reserves the right to shut down the promotion on individual evaluation.

Is this a lottery or limited-winner promotion?

No. All eligible customers who meet the requirements receive the applicable reward. There are no random winners or prize draws.

¹Geo restrictions & T&Cs apply. Minimum cumulative transfer(s) of 2500 € applies within a maximum of 4 payments. The Krak Salary Match Incentive is open to eligible Krak clients in Luxembourg or Germany only. Rewards apply only to qualifying EUR salary transfers (payroll from an employer); exclusions apply. Rewards are credited monthly; max 250€/month. The promotional rate of 1% is not guaranteed and applies until 1 May 2026. After this date, the rate will depend on the average assets you hold with Krak, Kraken, and Kraken Pro. Kraken may amend, suspend, or end the promotion. Tax may apply; no advice. The e-money wallet is not a bank account and is not covered by any deposit guarantee scheme. If you hold or convert rewards into other assets (where available), the value can fluctuate.

²Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania to carry on electronic money activities and provide related payment services (authorisation code: LB002139). The e-money wallet associated with the KrakCard is provided by Payward Ireland Limited, trading as Kraken, is regulated by the Central Bank of Ireland. Mastercard® is a registered trademark of Mastercard International Incorporated. The card is issued by Monavate pursuant to license by Mastercard International Inc. The e-money wallet is not a bank account and is not covered by any deposit guarantee scheme.

Promotional cashback rate of 1% applies until March 31, 2026. After that, the cashback rate will depend on the average assets you hold with Krak, Kraken, and Kraken Pro. ATM withdrawals not included. £/€0.50 minimum transaction amount applies. Geo restrictions apply. For more information, please see this Support Center Article.

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.

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.

³APY as of January 21, 2026, subject to change. Vaults are not a regulated financial product. Rewards are variable and not guaranteed; you can lose some or all of your assets. Interacting with on-chain smart contracts involves risks which are further detailed in the terms of service, including technological risk (bugs, exploits, and oracle/MEV/bridge failures), market risk (price volatility, de-pegs, and liquidation where relevant), and operational risk (irreversible transactions, gas fees, network congestion). Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Availability varies by jurisdiction.

E-money services are provided by Payward Ireland Limited, trading as Kraken, which is regulated by the Central Bank of Ireland.