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Krak Card vs Revolut

Krak Card

Crypto native

7.3
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Revolut

Crypto enabled

7.1
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Verdict

  • Krak Card scores higher overall (7.3 vs 7.1 out of 10).
  • Krak Card is clearly stronger on: Cashback & rewards, Limits & ATM.
  • Revolut is clearly stronger on: Custody & security.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Cashback & rewards, Limits & ATM

Revolut is a good fit for

  • Frequent travellers

Stronger on: 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
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Review & sourcesKrak Card vs ether.fi CashRevolut vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardRevolut
Fees100100
Cashback & rewards215
Availability93100
FX & international100100
Product features7070
Custody & security6075
Credit & financing30–
Limits & ATM10064
Transparency10093
Best for Cashback5.64.8
Best for Travel8.88.2
Best for DeFi Users5.9n/a
Best for High Spenders6.05.2
Best for Low Fees10.09.4
Best for Beginners8.07.9
Best E-Money Cardn/a9.0

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

No data yet

Custody model

CustodialConditions apply: tap or hover for detailsShow source

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

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
No data yet

Tiers / plans

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

Cashback tier by 30-day average assets held

Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/moConditions apply: tap or hover for detailsShow source

Austria

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Standard plan; paid plans €3.99–€60/month (Austria)

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%

0%Conditions apply: tap or hover for detailsShow source

Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

2%Conditions apply: tap or hover for detailsShow source

After the monthly free allowance

Free ATM allowance

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

Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800

Other fees & markups

Variable spread when spending crypto · AutoEarn fee: 30% of yield earnedShow source
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

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

0%Conditions apply: tap or hover for detailsShow source

No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits

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

No data yet

Cashback paid in

EUR, GBP or BTCShow source
No data yet

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

PointsConditions apply: tap or hover for detailsShow source

RevPoints, redeemable for air miles and Stays discounts

Interest on balance

3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

1%Conditions apply: tap or hover for detailsShow source

Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans

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
No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

No data yet

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

Credit & financing

Credit line

NoShow source
No data yet

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

EEAConditions apply: tap or hover for detailsShow source

Personal accounts; other supported regions listed on the help page

Account / spend currencies

600+ currencies and assetsShow source
EURConditions apply: tap or hover for detailsShow source

Austrian accounts; multi-currency accounts available

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Standard card; delivery and customisation fees apply

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

All plans

ATM withdrawals

YesShow source
No data yet

Airport lounge access

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

Standard: available for purchase only; included on higher paid plans

Security & custody

Regulation / licences

No data yet
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow source

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

Revolut

  • 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 Krak Card comparisons

More Revolut comparisons