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Krak Card vs Mine Card

Krak Card

Crypto native

7.4
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Mine Card

Crypto native

6.3
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Verdict

  • Krak Card scores higher overall (7.4 vs 6.3 out of 10).
  • Mine Card is clearly stronger on: Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Krak Card is a good fit for

  • Frequent travellers

Mine Card is a good fit for

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

Stronger on: Custody & security

★ 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 & sourcesKrak Card vs ether.fi CashMine Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardMine Card
Fees10099
Cashback & rewards2126
Availability93–
FX & international100–
Product features7070
Custody & security7585
Credit & financing30–
Limits & ATM100–
Transparency100100
Best for Cashback5.75.1
Best for Travel8.8n/a
Best for Self-Custodyn/a7.4
Best for DeFi Users6.36.8
Best for Stablecoinsn/a7.0
Best for High Spenders6.05.1
Best for Low Fees10.08.0
Best for Beginners8.17.6

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
ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Card type

Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

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
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source

Tiers / plans

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

Cashback tier by 30-day average assets held

Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Basic and Premium are one-off fees, no subscription

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

Virtual card fee

FreeShow source
$5Conditions apply: tap or hover for detailsShow source

One-off; free with an invite code

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%

No data yet

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%

FreeShow source

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

No data yet

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

Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

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

0%Conditions apply: tap or hover for detailsShow source

Basic tier has no cashback; Premium 0.5% in USDC

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

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

Cashback paid in

EUR, GBP or BTCShow source
USDCShow 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

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

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
No data yet

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
No data yet

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

No data yet

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

No data yet

Account / spend currencies

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

CHF · EUR · USDCShow source

Own IBAN / bank details

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

CHF and EUR IBAN in your own name; incoming money settles as USDC

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

Premium tier

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Limit $20,000 per month on Basic, $60,000 on Premium

Spend stablecoins

No data yet
YesShow source

Airport lounge access

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

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Spendable assets

No data yet
USDCShow source

Limits

ATM limit

No data yet
$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

Spending limit

No data yet
$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

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

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source

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

Smart-contract risk

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

Applies to opt-in Earn via Aave V3

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

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

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

More Krak Card comparisons

More Mine Card comparisons