savebackcards.com
DEEN

Krak Card vs Oobit

Krak Card

Crypto native

7.4
Get the card
Oobit

Crypto native

8.0
Get the card

Verdict

  • Oobit scores higher overall (8.0 vs 7.4 out of 10).
  • Krak Card is clearly stronger on: Fees, FX & international, Limits & ATM.
  • Oobit is clearly stronger on: Cashback & rewards, Product features, Custody & security.
  • For 1,500 EUR/month of spend, Krak Card comes out about 157 EUR a year ahead on base-tier terms.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Fees, FX & international, Limits & ATM

Oobit is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Product features, Custody & security

★ 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
Get the card
Review & sourcesKrak Card vs ether.fi CashOobit vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardOobit
Fees10071
Cashback & rewards21100
Availability93100
FX & international10040
Product features7090
Custody & security7595
Credit & financing3030
Limits & ATM10050
Transparency10093
Best for Cashback5.78.9
Best for Travel8.86.6
Best for Self-Custodyn/a8.6
Best for DeFi Users6.37.9
Best for Stablecoinsn/a7.8
Best for High Spenders6.07.4
Best for Low Fees10.06.3
Best for Beginners8.19.0

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
No data yet

Network

MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends the Krak account balance (e-money and crypto held by Kraken)

Self-custodyConditions apply: tap or hover for detailsShow source

Crypto stays in your wallet until the moment you pay

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source

Tiers / plans

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

Cashback tier by 30-day average assets held

No data yet

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No fee for the card itself

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

No data yet

Virtual card fee

FreeShow source
No data yet

Replacement fee

€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

No data yet

FX fee

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%

1.5%Conditions apply: tap or hover for detailsShow source

Up to 1.5% on non-USD purchases

Crypto conversion fee

No data yet
0.95%Conditions apply: tap or hover for detailsShow source

Swaps; 3% when swapping into OOB

Top-up fee

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%

No data yet

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Plus ATM operator fees

Transfer fee

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

No data yet

Settlement fee

No data yet
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Per card payment (Brazil: 1%, no minimum)

Other fees & markups

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

Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

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

5%Conditions apply: tap or hover for detailsShow source

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

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

10%Conditions apply: tap or hover for detailsShow source

Up to

Cashback paid in

EUR, GBP or BTCShow source
USDC (EEA residents) / USDT (outside EEA)Show source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

StablecoinConditions apply: tap or hover for detailsShow source

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

Interest on balance

3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

No data yet

Cashback-eligible spend cap

No data yet
$200/monthConditions apply: tap or hover for detailsShow source

When paying with tokens other than OOB; $10,000/month when paying with OOB

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
Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

NoShow source

Staking asset

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

Capital required for top rewards

€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

No data yet

Reward expiry / vesting

No data yet
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source

Reward exclusions

No data yet
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

Classified as credit card only for network acceptance; spends own crypto

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

Currently 0% on all purchases; issuer may introduce interest for new purchases

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

YesShow source

Availability

Available in

European Union, United KingdomConditions apply: tap or hover for detailsShow source

Residents of the UK and the EU; a separate US card exists

AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source

Country list as given on the page (74 countries listed, page claims 80+)

Account / spend currencies

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

USDConditions apply: tap or hover for detailsShow source

Base currency; other currencies converted automatically, rate shown on receipt

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

After verification

Google Pay

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

After verification

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Travel / rental car insurance

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

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

Purchase protection

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

Visa Platinum benefits, included automatically

Spendable assets

No data yet
USDT · Bitcoin · Ethereum · StablecoinsShow source

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Other networks may be added at issuer discretion

Limits

Spending limit

No data yet
$10,000Conditions apply: tap or hover for detailsShow source

Per day; maximum limit

Security & custody

Regulation / licences

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

US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source

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

No data yet

Annual cost at 1,500 EUR/month

Krak Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value0 EUR

Oobit

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashback+107 EUR
  • Net annual value-157 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Krak Card comparisons

More Oobit comparisons