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Krak Card vs MetaMask Card

Krak Card

Crypto native

7.4
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MetaMask Card

Crypto native

7.2
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Verdict

  • Krak Card scores higher overall (7.4 vs 7.2 out of 10).
  • Krak Card is clearly stronger on: Fees, Limits & ATM.
  • For 1,500 EUR/month of spend, MetaMask Card comes out about 156 EUR a year ahead on base-tier terms.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Fees, Limits & ATM

MetaMask Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

★ 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 CashMetaMask Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardMetaMask Card
Fees10090
Cashback & rewards2127
Availability93100
FX & international100100
Product features7070
Custody & security7580
Credit & financing3030
Limits & ATM10060
Transparency10093
Best for Cashback5.75.7
Best for Travel8.88.2
Best for Self-Custodyn/a7.5
Best for DeFi Users6.36.4
Best for Stablecoinsn/a7.6
Best for High Spenders6.05.6
Best for Low Fees10.08.8
Best for Beginners8.18.0

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

MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

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

Self-custodyShow source

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source

Program manager; US card issued by Cross River Bank

Tiers / plans

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

Cashback tier by 30-day average assets held

Free · MetalShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Virtual card; Metal tier $199/year

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Virtual card; no maintenance fees

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

No data yet

Virtual card fee

FreeShow source
FreeShow source

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

Mastercard exchange rate, no additional MetaMask fee

Crypto conversion fee

No data yet
0.88%Conditions apply: tap or hover for detailsShow source

Free and Metal tier, for other cryptocurrencies (e.g. wETH); no fee for stablecoins in cardholder's local currency/USD; 0.5% for stablecoins in a currency of neither cardholder nor merchant country; DeFi tokens (e.g. aUSDC) free up to $1,200/mo then 0.5%

Top-up fee

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%

No data yet

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

Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees

Transfer fee

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

No data yet

Other fees & markups

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

1% cross-border fee when the merchant is outside the cardholder's country (Free tier; Metal: no fee, subject to fair usage) · 0.5% on stablecoins denominated in a currency of neither the cardholder's nor the merchant's country · Small variable network gas fee (typically $0.01) · DeFi tokens / tokenized yield (e.g. aUSDC): no fee up to $1,200/mo, then 0.5%Show 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

Virtual card, eligible purchases

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

3%Conditions apply: tap or hover for detailsShow source

Metal tier ($199/yr), first $10,000 spent per year, then 1%

Cashback paid in

EUR, GBP or BTCShow source
mUSDShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

StablecoinShow source

Interest on balance

3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

No data yet

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
Metal: 3% only on first $10,000 spent each year, then 1%Show source

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
NoShow source

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

YesShow source

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

AD, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, CR, Croatia, Cyprus, Denmark, DO, SV, Finland, France, Germany, GI, Greece, GT, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Liechtenstein, Luxembourg, Malta, Mexico, MC, Netherlands, Norway, PA, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UYConditions apply: tap or hover for detailsShow source

Full country list in the FAQ; signups in the US and the UK are temporarily closed

Account / spend currencies

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

No data yet

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

Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

US only; users in other regions cannot withdraw cash at ATMs

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
mUSD · wETH · EURe · GBPe · USDC · USDTConditions apply: tap or hover for detailsShow source

FAQ says 'nine tokens' but lists only these six

Blockchains

No data yet
Linea · Solana · Monad · BaseShow source

Limits

ATM limit

No data yet
$1,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual column of the comparison table; Metal $5,000/day

Spending limit

No data yet
$15,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual card; Metal $30,000/day

Security & custody

Regulation / licences

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

No data yet

Deposit protection

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

No data yet

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

MetaMask Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+180 EUR
  • Net annual value156 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Krak Card comparisons

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