Everything your assets should do. Unified.
Grow, spend and receive assets globally in major currencies and crypto, all under one account.
Zero monthly fees and no everyday fees, like transaction or ATM withdrawal fees¹.
Everything you need, nothing you don’t
Get paid into Krak
Your paycheck, your choice. Receive your salary in cash or crypto and spend it instantly with Krak.
Spend without fees1
Zero transaction fees, FX fees, and ATM withdrawal fees on your global spend.
Let your assets do more
Automatically earn 3.6% on eligible balances.³
24/7 support
Help when you need it, available anytime in-app.
Powered by Kraken
Krak is secured by the same trusted infrastructure that manages over $42.8 billion in assets worldwide.
¹ A variable spread will apply when spending across assets. Third party fees may apply.
² 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.
³ APY may vary depending on market conditions. Not available in the EEA. Learn more.
Geographic restrictions apply. Instant buy/sell fees apply and variable spread when you convert one asset or currency to another before making a transfer. Please see our fee schedule for more information. Applicable fees will always be shown before you make a transfer.
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.
Payward Services Limited (PSL) is authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services under the Electronic Money Regulations 2011 (FRN: 1010381). Payward Ireland Limited (PIL), trading as Kraken, is regulated as an E-Money Institution by the Central Bank of Ireland. PSL and PIL are obliged to protect your money through a process known as safeguarding. Each entity does this by placing it into a separate, dedicated client money bank account. Please note that the e-money in your account is not covered by the Financial Services Compensation Scheme (FSCS) or similar schemes.
Krak Card is issued by Monavate (Company Number: 12472532) authorized in the UK by the Financial Conduct Authority to issue electronic money (emoney) 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 (emoney) 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.
