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Krak Card vs Wirex Card

Krak Card

Crypto native

7.4
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Wirex Card

Crypto native

6.4
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Verdict

  • Krak Card scores higher overall (7.4 vs 6.4 out of 10).
  • Krak Card is clearly stronger on: Limits & ATM.
  • For 1,500 EUR/month of spend, Wirex Card comes out about 90 EUR a year ahead on base-tier terms.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Limits & ATM

Wirex Card is a good fit for

  • 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 CashWirex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardWirex Card
Fees100100
Cashback & rewards2126
Availability93–
FX & international100100
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM10064
Transparency10093
Best for Cashback5.75.2
Best for Travel8.87.9
Best for DeFi Users6.35.6
Best for Stablecoinsn/a7.4
Best for High Spenders6.05.8
Best for Low Fees10.09.4
Best for Beginners8.17.1

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

MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

Custody model

CustodialConditions apply: tap or hover for detailsShow source

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

No data yet

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
No data yet

Tiers / plans

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

Cashback tier by 30-day average assets held

Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

FreeConditions apply: tap or hover for detailsShow source

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

Virtual card fee

FreeShow source
No data yet

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

As stated on this help article

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%

FreeConditions apply: tap or hover for detailsShow source

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

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

EEA: after 200 EUR free monthly

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

EEA, per month

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

Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

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

0.5%Conditions apply: tap or hover for detailsShow source

Standard plan, Entry tier

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

8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Cashback paid in

EUR, GBP or BTCShow source
WXTShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

CryptoConditions apply: tap or hover for detailsShow source

Cryptoback rewards program

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
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

YesConditions apply: tap or hover for detailsShow source

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Staking asset

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

Capital required for top rewards

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

30-day average for the 2% tier

No data yet

Reward exclusions

No data yet
Cash withdrawals · TransfersShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

debit card

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

No data yet

Features

Apple Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

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

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 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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