# Kraken Card

by Kraken · checked 30 Oct 2026 · updated 30 Oct 2026

Website: [kraken.com](https://www.kraken.com)

## Facts

- Kraken Card is a Mastercard debit card from Kraken.
- A virtual version costs 0.00 GBP.
- Payments in foreign currencies cost 0 % above the network rate.
- Topping up via crypto costs 0 % + 0.00 GBP.
- It works with Apple Pay, Google Pay.
- Base cashback is 0 % above the provider rate.
- Kraken Card is available in European Economic Area, United Kingdom.
- Custody: custodial.
- Kraken does not publish the crypto conversion fee.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card types | virtual, physical, metal |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card network | Mastercard |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Custody | custodial |  | kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Funding model | converted on spend |  | kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | EUR, GBP |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | krak.app (checked 28 Oct 2026 · verified 28 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 GBP |  | kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Physical card issuance | unknown |  |  |
| ↳ Metal card · EEA | 0.00 EUR |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Physical card · EEA | 0.00 EUR |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Metal card · United Kingdom | 0.00 GBP |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Physical card · United Kingdom | 0.00 GBP |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | unknown |  |  |
| ↳ EEA | 0.00 EUR |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ UK | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ EEA | 0.00 EUR |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ UK | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Annual fee | unknown |  |  |
| ↳ EEA | 0.00 EUR |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ UK | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ EEA | 0.00 EUR |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ UK | 0.00 GBP |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Top-up fee | unknown |  |  |
| ↳ top-up via crypto | 0 % + 0.00 GBP |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| ↳ top-up via crypto | free |  | krak.app (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto conversion fee | not published |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % above the network rate |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| ↳ EEA | free (No Krak fee; third-party ATM fees may apply.) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ EUR card · EEA | 0 % + 0.00 EUR |  | support.kraken.com (checked 28 Oct 2026 · verified 29 Oct 2026) |
| ↳ United Kingdom | free (No Krak fee; third-party ATM fees may apply.) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ GBP card · UK | free |  | support.kraken.com (checked 28 Oct 2026 · verified 29 Oct 2026) |
| ↳ EEA | free (No Krak fee; third-party ATM fees may apply.) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | free (No Krak fee; third-party ATM fees may apply.) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | free |  | support.kraken.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | 4.99 GBP (GBP (UK) / EUR (EEA) 4.99) |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Standard | 4.99 GBP (GBP (UK) / EUR (EEA) 4.99) |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Metal card | 60.00 GBP (GBP (UK) / EUR (EEA) 60) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ Physical card | 4.99 GBP (GBP (UK) / EUR (EEA) 4.99) |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| 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 |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## KYC and limits

KYC: ID + proof of address

### ID + proof of address

- Verified Kraken personal account at Kraken — Requires: ID document, Proof of address — krak.app (checked 28 Oct 2026 · verified 28 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 22,000 GBP / 12,000 EUR |
| Spending per week | only in the app |
| Spending per month | 22,000 GBP / 12,000 EUR |
| ATM per transaction | 250 GBP / 300 EUR |
| ATM per day | 750 GBP / 900 EUR |
| ATM per week | only in the app |
| ATM per month | 4,000 GBP / 4,800 EUR |
| Single payment per transaction | 5,000 GBP / 6,000 EUR |

### When is KYC needed?

- After a risk review at its own discretion, Kraken may request additional documents such as proof of source of funds. — support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026)
- When you change your name or address, Kraken may request additional documents such as proof of source of funds. — krak.app (checked 28 Oct 2026 · verified 28 Oct 2026)
- After a change of your security settings, Kraken may request additional documents such as proof of source of funds. — krak.app (checked 28 Oct 2026 · verified 28 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in: European Economic Area, United Kingdom |  | support.kraken.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Residency requirement | Individual clients located in the United Kingdom or EEA with a verified personal Kraken account. |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | not available |
| United States | not available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | only in the app |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | User-defined asset order; assets can be combined and individual currencies blocked. |  | support.kraken.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Fiat top-up | Yes |  | support.kraken.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## Bonuses and promotions

What Kraken offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

- New customers: 2 % of card spend for 30 days · Conditions: new customers only, Standing welcome gift for new cardholders: top (Max) rewards tier for the first 30 days after opening a Krak account, including 2% cashback on eligible purchases plus 1% salary match in eligible regions; ATM withdrawals, refunds, reversals, chargebacks and transactions under £0.49/€0.49 are excluded. Geographic restrictions apply. — support.kraken.com

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| ↳ EEA | UAB Monavate |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | Monavate Limited |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ EEA | UAB Monavate |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ↳ United Kingdom | Monavate Limited |  | krak.app (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | unknown |  |  |

Licence of the card issuer Monavate:

- Financial Conduct Authority · emi 901097 · GB [Register entry](https://register.fca.org.uk/s/firm?id=0014G00002UyCbDQAV)
- Bank of Lithuania · emi LB002139 · LT

## Company and trust

- Brand on record since 05/2013
- Domain older than the brand (registered 04/2000)

### Issuer

- Monavate (Lithuania)
- Registered name: UAB Monavate
- Register number: 305628001
- Issues 7 card programmes in our catalogue

### Transparency

- Transparency 70 %
- 2 of 20 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: no
- Sources last checked 2026-10-29

## How the score is made up

56.2 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 75 | 18.8 |
| KYC and privacy | 20 % | 18 | 3.5 |
| Features | 15 % | 100 | 15.0 |
| Availability | 10 % | 40 | 4.0 |
| Rewards | 10 % | 8 | 0.8 |
| Trust | 10 % | 93 | 9.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Kraken from the press and the provider's own channels, rated automatically.

- 28 Oct 2026: [Kraken est-il fiable en cas de faillite ? Cryptos, euros, staking et récompenses Opt-in : ce qui protège un client en France (2026) - Maître Reda Kohen, avocat en droit immobilier et droit des affaires à Paris](https://kohenavocats.fr/2026/10/28/kraken-fiable-faillite-cryptos-euros-staking-opt-in-protection-client-france-2026) (Kohen Avocats) — Neutral. Lawyer's explainer on what client assets would face in a Kraken insolvency; general legal commentary, no new Kraken event reported.
- 28 Oct 2026: [Circle reports 30% USDC custody growth on Kraken, nearly 1B EURC traded](https://crypto.news/circle-kraken-usdc-custody-growth-eurc-trading/) (crypto.news) — Neutral. Circle reports custody and trading growth on Kraken, but the snippet describes no change for card holders.
- 28 Oct 2026: [Kraken to Cancel Orders on 176 Pairs in Synthetic Trading Shift](https://thedefiant.io/news/cefi/kraken-to-cancel-orders-on-176-pairs-in-synthetic-trading-shift) (The Defiant) — Neutral. Kraken exchange pair replacement and order cancellations; not about a crypto card.
- 28 Oct 2026: [Kraken to cancel orders across 176 crypto markets in sweeping trading overhaul](https://cryptoslate.com/kraken-to-cancel-orders-across-176-crypto-markets-in-sweeping-trading-overhaul/) (CryptoSlate) — Negative. Kraken's trading overhaul will cancel existing orders and alter fees on replacement markets, but it does not concern its card.
- 28 Oct 2026: [Kraken Exchange offers up to 6 percent back on Krak Card holiday bookings](https://tradersunion.com/news/companies/show/3997600-kraken-krak-card-rewards/&gsessionid=2f8JaVtGRh42nyChfFzLuVC4U1sRGCz76e8d0GRC3Pl2GKmtM4yDvg) (Traders Union) — Positive. Kraken announces up to 6 percent cashback on Krak Card holiday bookings, a new promotional reward for card holders.
- 28 Oct 2026: [Kraken Cryptocurrency Exchange Receives Preliminary Approval in Kazakhstan](https://timesca.com/kazakhstan-kraken-cryptocurrency-approval) (The Times Of Central Asia) — Positive. Kraken gets preliminary approval to enter Kazakhstan, but a final licence is still needed before trading launches.
- 28 Oct 2026: [Kraken replaces 176 trading pairs: deadline November 6](https://cryptoticker.io/en/kraken-cancel-open-orders-176-pairs) (CryptoTicker) — Neutral. Kraken replaces 176 trading pairs with a November 6 deadline; open orders are cancelled; no card impact stated.
- 28 Oct 2026: [Kazakhstan and Kraken Sign Digital-Finance Cooperation Pact](https://tokenpost.com/news/business/42367) (TokenPost) — Positive. Memorandum of cooperation between Kraken and Kazakhstan; projects, funding and timing are unspecified and no card terms are mentioned.
- 27 Oct 2026: [Kraken ouvre le trading d’options BTC et ETH aux clients européens via sa licence MiFID](https://cryptonaute.fr/kraken-options-btc-eth-europe-licence-mifid) (Cryptonaute) — Positive. Kraken opens BTC and ETH options to EEA clients under its MiFID licence; not a card change. (+1 more reports: Crypto News)
- 27 Oct 2026: [Kraken Parent Plans CFTC-Regulated HIP-3 Hyperliquid Perps](https://financefeeds.com/kraken-parent-payward-plans-to-become-first-cftc-regulated-hip-3-deployer-on-hyperliquid) (FinanceFeeds) — Neutral. Kraken parent plans CFTC-regulated Hyperliquid perps pending approval; a derivatives plan, not a card change.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 30 Oct 2026: New: Welcome bonus · New customers.
- 29 Oct 2026: Changes to reward programmes.
- 29 Oct 2026: Score changed from 54.7 to 56.2.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 54.77 to 54.7.
- 29 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 55.95 to 55.45.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 51.95 to 55.95.
- 28 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 50.92 to 51.95.
- 28 Oct 2026: Changes to reward programmes.
- 28 Oct 2026: Score changed from 59.25 to 50.92.
- 28 Oct 2026: Changes to limits.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Changes to reward programmes.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 46.75 to 59.25.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 57.25 to 46.75.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/kraken-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/kraken-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/kraken-card/