Kraken Card
UAB Monavate · UK & EEA (Global expansion via Krak app) · personal
Zero-fee Mastercard debit card spending 600+ crypto and fiat balances with up to 2% BTC cashback
Is Kraken Card worth it?
Kraken Card is a physical and virtual Mastercard debit card managed via Kraken and the Krak global money app. It lets cardholders spend simultaneously from 600+ crypto and fiat balances with zero Kraken transaction or ATM fees and weekly cashback up to 2% in BTC, EUR, or GBP.
Pros
- Up to 2% cashback paid weekly in BTC, EUR or GBP
- $0 Kraken transaction, issuance and ATM fees
- Spend from 600+ assets simultaneously
Cons
- Variable conversion spread when spending crypto
- 2% max rate depends on Kraken portfolio balance
- Currently focused on UK and EEA residents
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 1%
- 1% trading conv
- FX fee
- 0%
- 0%
- ATM fee
- 0%
- Free to £4K/mo
- Max daily spend
- $10,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $5,000
- Free to £4K/mo
- KYC
- Full KYC
- Full KYC on Kraken
- Custody
- Custodial
- Issuer holds funds on your behalf
- Card network
- Mastercard
- debit card · issued by UAB Monavate
Supported crypto & networks
Where is Kraken Card available?
Show all 30 supported countries
Availability lists change frequently. Confirm eligibility with UAB Monavate before applying.
Kraken Card — common questions
Is Kraken Card available in United States?+
United States is not on Kraken Card's published availability list. The card is currently offered in UK & EEA (Global expansion via Krak app); availability can change, so confirm with UAB Monavate before applying.
What fees does Kraken Card charge?+
Kraken Card has no issuance fee, no annual fee, a 1% crypto top-up fee and a 0% FX fee. ATM withdrawals cost 0%. 0%
Does Kraken Card support Apple Pay and Google Pay?+
Kraken Card supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Kraken Card self-custody?+
Kraken Card uses a custodial model. UAB Monavate holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does Kraken Card cashback work?+
Kraken Card offers 1%–2% cashback. Rewards are paid in BTC. Staking requirement: Rate scales up to 2% based on average portfolio held across Kraken, Kraken Pro & Krak. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.