Comparison
Kraken Card vs. Xapo Bank Card: fees, limits & KYC
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kraken.com29 Oct 2026
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Source
kraken.com
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Kraken CardKraken
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
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Xapo Bank CardXapo Bank
In short
- Xapo Bank Card has the best score (61.47).
| Attribute |
Kraken CardKraken
|
Xapo Bank CardXapo Bank
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical Metal | Requires KYC Private & business Virtual Physical Metal |
| Score | average | average |
| CostsWeight 25 % | 75 | 70 |
| KYC and privacyWeight 20 % | 18 | 18 |
| FeaturesWeight 15 % | 100 | 89 |
| AvailabilityWeight 10 % | 40 | 78 |
| RewardsWeight 10 % | 8 | not scored |
| TrustWeight 10 % | 93 | 93 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame 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? |
debit
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Navigate seamless global transactions using traditional banking networks, stablecoins, Bitcoin, and our premium debit card with zero foreign exchange fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame 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, physical, metal
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
Standard:
unknown
1 more country/regionEU: Visa xapobank.com checked 29 Oct 2026 Source and check Source xapobank.com Wording at the sourceAt Xapo Bank, we're redefining what it means to manage your finances with ease, security, and rewards. We are excited to announce the launch of our brand new Visa debit cards in new regions, offering...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
custodial
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
- Your Bitcoin is secured by MPC-CMP custody: the full private key never exists in one place. Not at creation, not at signing, not ever. - Bitcoin is held 1:1, legally segregated under Gibraltar's DLT...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
converted on spend
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs)same 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? |
USD
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs)same 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? |
personal, business
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank membership is open to individuals who are at least 18 years of age and reside in one of our supported jurisdictions, as well as qualifying institutions. Because Xapo Bank is a fully regulate...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
Standard:
unknown
1 more country/regionEU: Transact Payments Malta Limited xapobank.com checked 29 Oct 2026 Source and check Source xapobank.com Wording at the source*The Xapo Bank card in the EU region is issued in partnership with Transact Payments Malta Limited, a payments and electronic money institution authorised and regulated by the Malta Financial Services...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown |
user setting
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Managing your Xapo Bank debit card is easier than ever with our user-friendly app. You can monitor your spending with real-time notifications, freeze and replace cards instantly, and set spending limi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame 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? |
unknown |
| Crypto | ||
| Supported assets (differs)same 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? |
BTC, ETH, USDT, USDC, ADA
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown |
Bitcoin, Lightning, Ethereum, Tron, Solana
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
Yes
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
- Or fund your account with USDT, USD, GBP, EUR, or a BTC transfer. Stablecoins and fiat convert automatically to USD.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| 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? |
unknown |
| 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? |
Yes
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
We're also rolling out targeted upgrades, such as new Visa cards with dramatically improved acceptance and contactless features for our members in several countries, and upgraded Visa Metal cards with...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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? |
Standard:
unknown
1 more country/regionEU: 0.00 USD legal.xapobank.com checked 29 Oct 2026 Source and check Source legal.xapobank.com Wording at the source| Virtual or Physical Card Issue Fee | | | Virtual or Physical Card Issue Fee | 0 USD |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
not applicable
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Becoming a member of Xapo Bank requires an annual membership fee of $1,000 USD. This single, transparent subscription grants you full access to a premium digital wealth ecosystem, which includes secur...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
1,000.00 USD
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Becoming a member of Xapo Bank requires an annual membership fee of $1,000 USD. This single, transparent subscription grants you full access to a premium digital wealth ecosystem, which includes secur...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion fee (differs)same 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? |
0.29 %
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
0 % above the network rate
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
5.2 The Xapo Card supports transactions in any currency. When the currency of a transaction that you have made with your Xapo Card is different to the currency you hold in your Xapo Account, an exchan...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| 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? |
100.00 USD free per calendar month, then 2 %
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
| Cash withdrawal (ATM) in and outside Gibraltar up to 100 USD per month | 0 USD, ATM operator fees may apply | | | | | Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month | | | Cas...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
free
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
| Debit Card payment | | | Debit Card payment | 0 USD, operator fees may apply |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 replacement (differs)same 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? |
25.00 USD (First replacement card in a year (January-December) is free; each additional replacement card in that year costs 25 USD.)
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
Replacement of Card: | First replacement card in a year (January-December) | | |---|---| | First replacement card in a year (January-December) | 0 USD | | | | | Additional replacement card in a year...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| 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 | 3 % promotion until 31 Oct 2026
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Metal cardholders earn 3% cashback on all taxi and ridesharing services worldwide, including providers like Uber and Lyft. The offer runs from 1st July to 31st October 2026 and activates automatically...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? , regular 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 · Xapo Bank Card: promotions and bonuses as well as warnings and incidents.