Krak Card vs Trade Republic Card
Crypto native
Crypto enabled
Verdict
- Krak Card scores higher overall (7.3 vs 6.9 out of 10).
- Krak Card is clearly stronger on: Availability, Limits & ATM.
- Trade Republic Card is clearly stronger on: Custody & security.
- For 1,500 EUR/month of spend, Trade Republic Card comes out about 168 EUR a year ahead on base-tier terms.
Krak Card is a good fit for
- Frequent travellers
Stronger on: Availability, Limits & ATM
Trade Republic Card 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:
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 | Krak Card | Trade Republic Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 21 | 24 |
| Availability | 93 | 57 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 90 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 5.4 |
| Best for Travel | 8.8 | 8.4 |
| Best for DeFi Users | 5.9 | n/a |
| Best for High Spenders | 6.0 | 6.0 |
| Best for Low Fees | 10.0 | 9.9 |
| Best for Beginners | 8.0 | 7.6 |
| Best E-Money Card | n/a | 9.0 |
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
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)
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
Trade Republic Bank GmbHShow source
Tiers / plans
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Virtual · Classic · MirrorShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
€5Conditions apply: tap or hover for detailsShow source
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
Virtual card fee
FreeShow source
FreeShow source
Replacement fee
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
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
Visa exchange rate without a Trade Republic currency exchange fee
ATM fee
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
€1Conditions apply: tap or hover for detailsShow source
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
Other fees & markups
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
Starter tier: under €200 average assets; 0.5% from €200
1%Conditions apply: tap or hover for detailsShow source
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
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
2%Conditions apply: tap or hover for detailsShow source
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Cashback paid in
EUR, GBP or BTCShow source
Invested into a savings plan asset of your choiceShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Or bitcoin
FiatConditions apply: tap or hover for detailsShow source
Paid by Trade Republic directly into your savings plan (invested)
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, variable
Cashback-eligible spend cap
€1,500/monthShow source
Max cashback per month
€15/monthShow source
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
Saveback must be activated · Invest at least 50 EUR per calendar month in weekly, bi-weekly or monthly savings plans (quarterly plans don't qualify) · First activation requires setting up a 50 EUR savings plan for the next monthShow 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
Reward expiry / vesting
Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous monthShow source
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
debit card
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
Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, SlovakiaConditions apply: tap or hover for detailsShow source
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
Account / spend currencies
600+ currencies and assetsShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
personal IBAN for deposits
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
YesConditions apply: tap or hover for detailsShow source
Classic and Mirror cards
Security & custody
Regulation / licences
CRR credit institution · BaFinConditions apply: tap or hover for detailsShow source
supervised by BaFin, BaFin-ID 10150368
Deposit protection
YesConditions apply: tap or hover for detailsShow source
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
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
Trade Republic Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashback+180 EUR
- Net annual value168 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers