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Bit2Me Card vs Krak Card

Bit2Me Card

Crypto native

5.8
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Krak Card

Crypto native

7.4
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Verdict

  • Krak Card scores higher overall (7.4 vs 5.8 out of 10).
  • Krak Card is clearly stronger on: Fees, FX & international, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Fees, 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
Get the card
Review & sourcesBit2Me Card vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardKrak Card
Fees89100
Cashback & rewards2821
Availability–93
FX & international20100
Product features7070
Custody & security7575
Credit & financing3030
Limits & ATM81100
Transparency100100
Best for Cashback5.05.7
Best for Travel5.28.8
Best for DeFi Users5.96.3
Best for Stablecoins6.0n/a
Best for High Spenders4.76.0
Best for Low Fees7.210.0
Best for Beginners7.38.1

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

MastercardShow 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

Card spends a linked wallet on the Bit2Me exchange

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

PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

Space Center levels 0–7Show 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

Page states no maintenance fees for virtual or physical cards

FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

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

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

No data yet

Top-up fee

No data yet
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 eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

Free ATM allowance

€300/monthShow source
No data yet

Transfer fee

No data yet
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

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show 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

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

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

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

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

B2MShow source
EUR, GBP or BTCShow source

Cashback type

Platform tokenShow source
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

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

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

NoShow source
NoShow source

Spend own balance directly

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

Spends directly from the Krak Everyday account balance

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+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
No data yet

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

No data yet

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

No data yet

Security & custody

Regulation / licences

CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

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

No data yet
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

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

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 Bit2Me Card comparisons

More Krak Card comparisons