Comparison
Kraken Card vs. Mercuryo Card: fees, limits & KYC
-
kraken.com29 Oct 2026
Image source
Source
kraken.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Kraken CardKraken
-
mercuryo.io29 Oct 2026
Image source
Source
mercuryo.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Mercuryo CardMercuryo
In short
- Kraken Card ask for the least (ID + proof of address).
- Kraken Card has the higher score (56.2).
| Attribute |
Kraken CardKraken
Requires KYC
Private
Virtual
Physical
Metal
|
Mercuryo CardMercuryo
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 75 | 100 |
| KYC and privacyWeight 20 % | 18 | 0 |
| FeaturesWeight 15 % | 100 | 46 |
| AvailabilityWeight 10 % | 40 | 23 |
| RewardsWeight 10 % | 8 | not scored |
| TrustWeight 10 % | 93 | 62 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | – | Only for nationals of: European Economic Area |
| KYC | KYC: ID + proof of address | KYC: Full verification |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
debit
support.kraken.com checked 28 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
The Kraken Debit Card is a Mastercard debit card that lets you spend crypto and cash from your Krak Everyday account balance - online, in-store, and at ATMs across 190+ countries.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
A multi-chain debit card for instant, contactless crypto payments—anywhere, anytimeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical, metal
krak.app checked 29 Oct 2026
Source and check
Source
krak.app
Wording at the source
| Card Issuance | Virtual Debit Card | Free | | Card Issuance | Plastic Debit Card | Free; replacement €4.99 | | Card Issuance | Metal Debit Card | Free; replacement €60. Eligible users can apply for...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
virtual
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
- Apply for the Card. Complete the KYC process and get your virtual card activated.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Card network |
Mastercard
support.kraken.com checked 28 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
The Kraken Debit Card is a Mastercard debit card that lets you spend crypto and cash from your Krak Everyday account balance - online, in-store, and at ATMs across 190+ countries.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Mastercard
widget.docs.mercuryo.io checked 29 Oct 2026
Source and check
Source
widget.docs.mercuryo.io
Wording at the source
Mercuryo Spend Card is a virtual EUR debit Mastercard that users can fund with cryptocurrency and use for payments worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody (differs) |
custodial
kraken.com checked 29 Oct 2026
Source and check
Source
kraken.com
Wording at the source
Cryptoasset exchange and custody services are offered by Payward Ltd, registered as a cryptoasset firm with the Financial Conduct Authority (FRN: 928768).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Funding model |
converted on spend
kraken.com checked 29 Oct 2026
Source and check
Source
kraken.com
Wording at the source
600+ currencies, instantly converted at the point of spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
converted on spend
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
Users can top it up with DOT, and the funds are automatically converted at the time of payment.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Card currencies (differs) |
EUR, GBP
support.kraken.com checked 28 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
Your card is always denominated in your primary currency (GBP (UK) / EUR (EEA)). If you spend from a different balance, Krak converts it to your primary currency to settle.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
EUR
widget.docs.mercuryo.io checked 29 Oct 2026
Source and check
Source
widget.docs.mercuryo.io
Wording at the source
Mercuryo Spend Card is a virtual EUR debit Mastercard that users can fund with cryptocurrency and use for payments worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
support.kraken.com checked 28 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
Kraken Debit Card is only available to individual clients located in the United Kingdom and EEA with a verified personal Kraken account. Business accounts will not access the feature.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
It was designed to give customers the ability to pay with their crypto assets for everyday purchases.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Standard:
unknown
2 more countries/regionsEEA: UAB Monavate krak.app checked 29 Oct 2026 Source and check Source krak.app Wording at the sourceIn the EEA, Krak is a global money app. E-money services are provided by Payward Ireland Limited, trading as Kraken, regulated by the Central Bank of Ireland. Krak Card is issued by UAB Monavate, auth...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: Monavate Limited krak.app checked 29 Oct 2026 Source and check Source krak.app Wording at the source In the UK, Krak is a global money app. Krak Card is issued by Monavate Limited, authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services (FRN:...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Quicko Sp. z o.o.
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
The Spend Card is a virtual card issued by Quicko Sp. z o.o.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) |
Available in: European Economic Area, United Kingdom
support.kraken.com checked 30 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
Kraken Debit Card is only available to individual clients located in the United Kingdom and EEA with a verified personal Kraken account. Business accounts will not access the feature.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Available in: European Economic Area
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
- Currently available in the European Economic Area, with plans to expand to more regions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
only in the app
support.kraken.com checked 28 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
The Krak app offers 600+ assets, but not all are available for card transactions. Unsupported currencies appear as Unavailable in your Spend Order. You can also hold and spend fiat balances.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
DOT
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
With the Nova x Mercuryo Mastercard Debit Card, users can top up their cards using Polkadot (DOT) tokens, providing a unique way of spending for everyday purchases using DOT tokens that are converted...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Polkadot
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
With the Nova x Mercuryo Mastercard Debit Card, users can top up their cards using Polkadot (DOT) tokens, providing a unique way of spending for everyday purchases using DOT tokens that are converted...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) |
Yes
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
You can also top up your Krak Everyday balance directly from within the Krak app via Apple Pay, Google Pay, bank transfer, or other methods depending on your region.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
Add your card to Apple Pay or Google Pay with 1-click — your virtual card is ready to use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
Apple Pay & Google Pay Tap to pay with cryptoChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
Yes
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
The Kraken Debit Card is a Mastercard debit card that lets you spend crypto and cash from your Krak Everyday account balance - online, in-store, and at ATMs across 190+ countries.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
No
spend.docs.mercuryo.io checked 29 Oct 2026
Source and check
Source
spend.docs.mercuryo.io
Wording at the source
No, ATM withdrawals are not possible.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
krak.app checked 28 Oct 2026
Source and check
Source
krak.app
Wording at the source
tap your Card at the point of sale in-store or enter your PIN on the key pad.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
mercuryo.io checked 29 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
A multi-chain debit card for instant, contactless crypto payments—anywhere, anytimeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
0.00 GBP
kraken.com checked 29 Oct 2026
Source and check
Source
kraken.com
Wording at the source
The card is free to order and it has no monthly or annual fees. All applicable fees are outlined in the pricing page.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
0.00 EUR
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
The Spend card, compatible with LEDGER™, comes with no issuance fee, allowing users to use it immediately without any upfront costs.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) | unknown |
not applicable
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
- Apply for the Card. Complete the KYC process and get your virtual card activated.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping (differs) | unknown |
not applicable
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
- Apply for the Card. Complete the KYC process and get your virtual card activated.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee |
Standard:
unknown
3 more countries/regionsEEA: 0.00 EUR support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the sourceThere are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: 0.00 GBP support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the source There are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? UK: 0.00 GBP support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the source There are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Annual fee |
Standard:
unknown
3 more countries/regionsEEA: 0.00 EUR support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the sourceThere are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: 0.00 GBP support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the source There are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? UK: 0.00 GBP support.kraken.com checked 29 Oct 2026 Source and check Source support.kraken.com Wording at the source There are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) |
not published
krak.app checked 29 Oct 2026
Source and check
Source
krak.app
Wording at the source
| Crypto Spend Conversions | Crypto spending | A variable spread is included for card transactions involving crypto. Find cryptocurrency prices at www.kraken.com/prices |Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency fee (differs) |
0 % above the network rate
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
We don't charge FX fees. We pass on the Mastercard exchange rate without a markup.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
Standard:
unknown
2 more countries/regionsEEA: free (No Krak fee; third-party ATM fees may apply.) krak.app checked 29 Oct 2026 Source and check Source krak.app Wording at the source| ATM Withdrawals for EEA | ATM Withdrawals | No Krak fee. Third-party ATM fees may apply |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? United Kingdom: free (No Krak fee; third-party ATM fees may apply.) krak.app checked 29 Oct 2026 Source and check Source krak.app Wording at the source | ATM Withdrawals for UK customers | ATM Withdrawals | No Krak fee. Third-party ATM fees may apply |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
not applicable
spend.docs.mercuryo.io checked 29 Oct 2026
Source and check
Source
spend.docs.mercuryo.io
Wording at the source
No, ATM withdrawals are not possible.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
free
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
There are no annual, monthly or transaction fees, and no hidden charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
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 (differs) | unknown |
1.00 EUR
mercuryo.io checked 30 Oct 2026
Source and check
Source
mercuryo.io
Wording at the source
There are no hidden fees to worry about, and the only charge is a €1 monthly maintenance fee, which applies only after three consecutive months of inactivity.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement (differs) |
4.99 GBP (GBP (UK) / EUR (EEA) 4.99)
support.kraken.com checked 29 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
Replacement: There is a GBP (UK) / EUR (EEA) 4.99 fee for card replacement. Replacement cards arrive in 7 to 10 days.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Rewards | ||
| Cashback (differs) | 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 (differs) |
2 % of card spend for 30 days
support.kraken.com checked 30 Oct 2026
Source and check
Source
support.kraken.com
Wording at the source
As a welcome gift, new cardholders get 30 days of Max-tier rewards while they build their balance, which includes our top cashback rate of 2%.Checked Verified Value wrong? No earlier versions What does [s] mean? |
unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Kraken Card · Mercuryo Card: promotions and bonuses as well as warnings and incidents.