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Deblock Card vs Krak Card

Deblock Card

Crypto native

5.6
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Krak Card

Crypto native

7.3
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Verdict

  • Krak Card scores higher overall (7.3 vs 5.6 out of 10).
  • Deblock Card is clearly stronger on: Custody & security.
  • 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 18 EUR a year ahead on base-tier terms.

Deblock Card is a good fit for

  • Frequent travellers

Stronger on: Custody & security

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:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesDeblock Card vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionDeblock CardKrak Card
Fees70100
Cashback & rewards321
Availability–93
FX & international80100
Product features7070
Custody & security8560
Credit & financing3030
Limits & ATM82100
Transparency100100
Best for Cashback3.85.6
Best for Travel6.88.8
Best for DeFi Users5.75.9
Best for High Spenders4.36.0
Best for Low Fees7.910.0
Best for Beginners6.88.0

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

Debit cardShow source
Debit cardShow source

Network

VisaConditions apply: tap or hover for detailsShow source

Deblock is a direct VISA member

MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

Custody model

HybridConditions apply: tap or hover for detailsShow source

Euros safeguarded by the e-money institution; digital assets self-custodied

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

Deblock SAS (electronic money institution licensed by the ACPR, CIB 17748)Show source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

Standard · PremiumShow source
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source

Cashback tier by 30-day average assets held

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Premium 10 €/month

FreeShow source

Physical card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

Virtual card fee

No data yet
FreeShow source

Replacement fee

No data yet
€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

FX fee

0.5%Conditions apply: tap or hover for detailsShow source

Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always

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%

Crypto conversion fee

1.99%Conditions apply: tap or hover for detailsShow source

Standard buy/sell/swap fee; Premium 0.49%

No data yet

ATM fee

1% (min. €1)Conditions apply: tap or hover for detailsShow source

Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

Free ATM allowance

€100/monthConditions apply: tap or hover for detailsShow source

Standard; Premium 1,000 €/month

No data yet

Other fees & markups

Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show source
Variable spread when spending crypto · AutoEarn fee: 30% of yield earnedShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Standard plan; Premium up to 1%

0%Conditions apply: tap or hover for detailsShow source

Starter tier: under €200 average assets; 0.5% from €200

Max cashback

1%Conditions apply: tap or hover for detailsShow source

Premium plan (10 €/month)

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

No data yet
EUR, GBP or BTCShow source

Cashback type

No data yet
FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

Interest on balance

No data yet
3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

Cashback conditions

No data yet
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

No data yet
YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

Staking asset

No data yet
Any assets held at Krak, Kraken and Kraken ProShow source

Capital required for top rewards

No data yet
€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

No overdraft; may be considered in the future

NoShow source

Credit type

NoneShow source
No data yet

Availability

Available in

No data yet
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

No data yet
600+ currencies and assetsShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
No data yet

Physical card

YesShow source
YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Standard: 1 virtual card; Premium: 10

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Any ATM on the VISA network, also abroad

YesShow source

Limits

ATM limit

€15,000Conditions apply: tap or hover for detailsShow source

Standard; Premium 30,000 €; period not stated

No data yet

Security & custody

Regulation / licences

Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
No data yet

Annual cost at 1,500 EUR/month

Deblock Card

  • Annual & monthly fees+0 EUR
  • FX costs−18 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-18 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

More Deblock Card comparisons

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