Comparison
Kraken Card vs. Paysend Card: fees, limits & KYC
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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
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Paysend CardPaysend Group
In short
- Kraken Card has the best score (56.2).
| Attribute |
Kraken CardKraken
|
Paysend CardPaysend Group
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical Metal | KYC unknown Virtual |
| Score | average | average |
| CostsWeight 25 % | 75 | not scored |
| KYC and privacyWeight 20 % | 18 | not scored |
| FeaturesWeight 15 % | 100 | 83 |
| AvailabilityWeight 10 % | 40 | 39 |
| RewardsWeight 10 % | 8 | not scored |
| TrustWeight 10 % | 93 | 68 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC unknown |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs)same for all |
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? |
prepaid
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
Paysend offers virtual prepaid Mastercard cards. With a Paysend card, you can:Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
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
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
Paysend offers virtual prepaid Mastercard cards. With a Paysend card, you can:Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
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
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
Paysend offers virtual prepaid Mastercard cards. With a Paysend card, you can:Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
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 modelsame for all |
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? |
unknown |
| Card currenciessame for all |
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? |
unknown |
| Usagesame for all |
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? |
unknown |
| Issuer / BIN sponsorsame for all |
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? |
unknown |
| Limits depend onsame for all | unknown | unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available in (differs)same for all |
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 28 countries and regions
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
Paysend cards and multi-currency accounts are available in the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hun...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assetssame for all |
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? |
unknown |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown | unknown |
| Fiat top-upsame for all |
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 |
| Unknown for all | Number of supported assets · Top-up networks | |
| Payments | ||
| Mobile walletssame for all |
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
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
link it to Apple Pay or Google PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
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? |
unknown |
| Contactlesssame for all |
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
help.paysend.com checked 30 Oct 2026
Source and check
Source
help.paysend.com
Wording at the source
pay for purchases in stores via contactless payments (NFC).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
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? |
unknown |
| Physical card issuancesame for all | unknown | unknown |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| Monthly feesame for all |
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 feesame for all |
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 feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all |
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 feesame for all |
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 allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all |
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? |
unknown |
| Transaction feesame for all |
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 feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown | unknown |
| Card replacementsame for all |
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 |
| Unknown for all | Physical card issuance · Free cards · Shipping · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule | |
| Rewards | ||
| Cashbacksame for all | 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)same for all | unknown | unknown |
| Referral bonus (you)same for all | unknown | unknown |
| Welcome bonussame for all |
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 |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) | |
Early warning
Watch both cards
One mail when something changes at Kraken Card · Paysend Card: promotions and bonuses as well as warnings and incidents.