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Crypto.com Visa Card (EEA) vs Krak Card

Crypto.com Visa Card (EEA)

Crypto native

6.1
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Krak Card

Crypto native

7.4
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Verdict

  • Krak Card scores higher overall (7.4 vs 6.1 out of 10).
  • Krak Card is clearly stronger on: Fees, Cashback & rewards, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Fees, Cashback & rewards, 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
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Review & sourcesCrypto.com Visa Card (EEA) vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCrypto.com Visa Card (EEA)Krak Card
Fees87100
Cashback & rewards921
Availability10093
FX & international–100
Product features7070
Custody & security–75
Credit & financing3030
Limits & ATM64100
Transparency100100
Best for Cashback4.45.7
Best for Travel6.38.8
Best for DeFi Users4.96.3
Best for High Spenders4.26.0
Best for Low Fees7.610.0
Best for Beginners7.68.1

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

Prepaid cardShow source
Debit cardShow source

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

Custody model

No data yet
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

Foris MT Limited (Malta)Show source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show 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 tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

FreeShow source

Physical card fee

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

Virtual card fee

No data yet
FreeShow source

Replacement fee

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

FX fee

No data yet
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%

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

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

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

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

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show 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

0%Conditions apply: tap or hover for detailsShow source

Free tier

0%Conditions apply: tap or hover for detailsShow source

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

Max cashback

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

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

CROShow 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

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

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

Staking asset

CROShow source
Any assets held at Krak, Kraken and Kraken ProShow source

Capital required for top rewards

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

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

30-day average for the 2% tier

Reward exclusions

Certain merchant categories or channels are excluded from CRO RewardsShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

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

EEAShow source
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

EURShow source
600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

No data yet

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

No data yet

Limits

ATM limit

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

No data yet

Spending limit

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

No data yet

Security & custody

Regulation / licences

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
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

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • 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 Crypto.com Visa Card (EEA) comparisons

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