# Kraken Card vs. Mercuryo Card: fees, limits & KYC

- Kraken Card ask for the least (ID + proof of address).
- Kraken Card has the higher score (56.2).

## Basics

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | virtual, physical, metal | virtual |
| Card network | Mastercard | Mastercard |
| **Custody** | custodial | unknown |
| Funding model | converted on spend | converted on spend |
| **Card currencies** | EUR, GBP | EUR |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | unknown | Quicko Sp. z o.o. |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| **Available in** | Available in: European Economic Area, United Kingdom | Available in: European Economic Area |

## Crypto

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| **Supported assets** | only in the app | DOT |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | unknown | Polkadot |
| **Fiat top-up** | Yes | unknown |

## Payments

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| **ATM withdrawals** | Yes | No |
| Contactless | Yes | Yes |

## Fees

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 GBP | 0.00 EUR |
| **Physical card issuance** | unknown | not applicable |
| Free cards | unknown | unknown |
| **Shipping** | unknown | not applicable |
| Monthly fee | unknown | unknown |
| Annual fee | unknown | unknown |
| **Top-up fee** | unknown | not published |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | not published | not published |
| **Foreign currency fee** | 0 % above the network rate | not published |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | unknown | not applicable |
| **Transaction fee** | free | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| **Inactivity fee** | unknown | 1.00 EUR |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| **Card replacement** | 4.99 GBP (GBP (UK) / EUR (EEA) 4.99) | unknown |

## Rewards

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| **Cashback** | 0 % (holding from 0); 0.5 % (holding from 200); 1 % (holding from 1,000); 1.5 % (holding from 10,000); 2 % (holding from 50,000) · in BTC | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| **Welcome bonus** | 2 % of card spend for 30 days | unknown |

## Limits (entry level)

|  | Kraken Card | Mercuryo Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 22,000 GBP / 12,000 EUR · Spending per month 22,000 GBP / 12,000 EUR · ATM per transaction 250 GBP / 300 EUR | Spending per day 10,000 EUR · Spending per month 40,000 EUR · Single payment per transaction 5,000 EUR |

- [Kraken Card](https://cryptocardss.com/en/kraken-card.md)
- [Mercuryo Card](https://cryptocardss.com/en/mercuryo-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/kraken-card-vs-mercuryo-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/kraken-card-vs-mercuryo-card/