Bitsa Card vs Krak Card
Crypto enabled
Crypto native
Verdict
- Krak Card scores higher overall (7.4 vs 5.9 out of 10).
- Krak Card is clearly stronger on: Fees, Cashback & rewards, FX & international, Limits & ATM.
- For 1,500 EUR/month of spend, Krak Card comes out about 82 EUR a year ahead on base-tier terms.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
Krak Card is a good fit for
- Frequent travellers
Stronger on: Fees, Cashback & rewards, FX & international, Limits & ATM
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitsa Card | Krak Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 0 | 21 |
| Availability | 100 | 93 |
| FX & international | 30 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | 100 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.0 | 5.7 |
| Best for Travel | 5.6 | 8.8 |
| Best for DeFi Users | n/a | 6.3 |
| Best for High Spenders | 3.6 | 6.0 |
| Best for Low Fees | 7.0 | 10.0 |
| Best for Beginners | 7.6 | 8.1 |
| Best E-Money Card | 6.9 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid card, E-money cardShow source
Debit cardShow source
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
UK and EEA; the US card is a Visa
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto is converted to euros on top-up; the card spends an e-money balance
CustodialConditions apply: tap or hover for detailsShow source
Card spends the Krak account balance (e-money and crypto held by Kraken)
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Tiers / plans
Free · Move · ProShow source
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)
FreeShow source
Physical card fee
€20Show source
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
Virtual card fee
€2.50Show source
FreeShow source
Replacement fee
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Non-euro SEPA-zone currencies; 2% in the rest of the world
0%Conditions apply: tap or hover for detailsShow source
EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%
Top-up fee
1.5%Conditions apply: tap or hover for detailsShow source
External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%
FreeConditions apply: tap or hover for detailsShow source
Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
FreeConditions apply: tap or hover for detailsShow source
Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free
Other fees & markups
Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source
Vault and AutoEarn fees are taken from yield; displayed APYs exclude them
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Starter tier: under €200 average assets; 0.5% from €200
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge
Cashback paid in
EUR, GBP or BTCShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
FiatConditions apply: tap or hover for detailsShow source
Or bitcoin
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, variable
Cashback conditions
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding assets (not staking) sets the cashback tier
Staking asset
Any assets held at Krak, Kraken and Kraken ProShow source
Capital required for top rewards
€50,000Conditions apply: tap or hover for detailsShow source
30-day average for the 2% tier
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends directly from the Krak Everyday account balance
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
European Union, United KingdomConditions apply: tap or hover for detailsShow source
Residents of the UK and the EU; a separate US card exists
Account / spend currencies
EURShow source
600+ currenciesConditions apply: tap or hover for detailsShow source
Spend in more than 600 currencies
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Limits
ATM limit
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
Spending limit
€1,500Conditions apply: tap or hover for detailsShow source
Purchase limit on Free; Move €5,000, Pro €15,000
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source
US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB
Deposit protection
NoConditions apply: tap or hover for detailsShow source
EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured
Annual cost at 1,500 EUR/month
Bitsa Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-82 EUR
Krak Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers