savebackcards.com
DEEN

bunq vs Krak Card

bunq

E-money / FinTech

7.2
Get the card
Krak Card

Crypto native

7.3
Get the card

Verdict

  • Krak Card scores higher overall (7.3 vs 7.2 out of 10).
  • bunq is clearly stronger on: Custody & security, Credit & financing.
  • Krak Card is clearly stronger on: Limits & ATM, Transparency.
  • For 1,500 EUR/month of spend, Krak Card comes out about 36 EUR a year ahead on base-tier terms.

bunq is a good fit for

  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Custody & security, Credit & financing

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Limits & ATM, Transparency

★ 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 & sourcesbunq vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionbunqKrak Card
Fees100100
Cashback & rewards1621
Availability9093
FX & international100100
Product features7070
Custody & security7560
Credit & financing7030
Limits & ATM70100
Transparency86100
Best for Cashback5.25.6
Best for Travel8.28.8
Best for DeFi Usersn/a5.9
Best for High Spenders5.86.0
Best for Low Fees9.310.0
Best for Beginners7.78.0
Best Crypto Credit Card6.8n/a
Best E-Money Card8.9n/a

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 card, Credit cardConditions apply: tap or hover for detailsShow source

Debit Card or Credit Card; Credit Card can pay from own money or with an optional Credit Limit

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

The provider holds the funds

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

bunq B.V.Show source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow 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

Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month

FreeShow source

Physical card fee

€99Conditions apply: tap or hover for detailsShow source

Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

Virtual card fee

FreeShow source
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%Conditions apply: tap or hover for detailsShow source

ZeroFX card payments abroad: Free plan up to €1,000 per year (fee beyond not stated on this page); Core, Pro, Elite unlimited

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%

ATM fee

€2.99Conditions apply: tap or hover for detailsShow source

Free plan: €2.99 each; Core/Pro/Elite: €0.99 for the first 5/month, then €2.99; Pro and Elite include 6 free withdrawals/month

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

Other fees & markups

Metal card €99 per card (Pro/Elite)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

Programme ended 7 Dec 2025; partner cashback offers still available

0%Conditions apply: tap or hover for detailsShow source

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

Max cashback

0%Conditions apply: tap or hover for detailsShow source

Cashback programme ended 7 Dec 2025 (previously Elite/Business credit card); partner cashback offers still available

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

NoneConditions apply: tap or hover for detailsShow source

Cashback programme ended on 7 December 2025

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

Interest on balance

3.11%Conditions apply: tap or hover for detailsShow source

Savings interest included in every plan incl. Free; variable

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

YesConditions apply: tap or hover for detailsShow source

Optional Credit Limit on the Credit Card

NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Available in

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenConditions apply: tap or hover for detailsShow source

bunq personal account (all bunq cards require one): citizens and residents of the listed supported EEA countries; non-EU citizens living there may also sign up with suitable documents. Overseas regions/territories excluded. Minors allowed with guardian permission.

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

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

Not available in

AW, BQ, CW, PF, TF, GL, NC, BL, PM, SX, WF, GF, GP, MQ, YT, REConditions apply: tap or hover for detailsShow source

Residents of Overseas Countries and Territories (Aruba, Bonaire, Curaçao, French Polynesia, French Southern and Antarctic Territories, Greenland, New Caledonia, Saba, Saint Barthélemy, Saint Pierre and Miquelon, Sint Eustatius, Sint Maarten, Wallis and Futuna) and French overseas regions (French Guiana, Guadeloupe, Martinique, Mayotte, Réunion) cannot currently open an account. Non-EEA residents can join a country waitlist.

No data yet

Account / spend currencies

No data yet
600+ currencies and assetsShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Free 3, Core 5, Pro/Elite 25 accounts; local IBAN in your country on all plans

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

All plans

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

All plans

No data yet

Physical card

YesConditions apply: tap or hover for detailsShow source

Not on Free plan; Core 1 included, Pro/Elite 3 included

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Free/Core 1 digital card, Pro/Elite 25

YesShow source

ATM withdrawals

YesShow source
YesShow source

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Only bunq Elite plan

No data yet

Limits

ATM limit

€1,000Conditions apply: tap or hover for detailsShow source

Personal accounts, per calendar day per person, for accounts verified 3 months or longer; €250 per day for accounts verified less than 3 months ago. Business: €1,000 per card per day.

No data yet

Security & custody

Regulation / licences

Full European banking licence issued by De Nederlandsche Bank (DNB)Show source
No data yet

Deposit protection

YesConditions apply: tap or hover for detailsShow source

Up to €100,000 via the Dutch Deposit Guarantee Scheme

No data yet

Annual cost at 1,500 EUR/month

bunq

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashback+0 EUR
  • Net annual value-36 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 bunq comparisons

More Krak Card comparisons