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Krak (Kraken) / Card review
Crypto payment card
Krak Mastercard UK/EEA
UK/EU Mastercard and US Visa debit programs spending assets directly from Krak accounts.
Before you apply
Selected tier / planStarter · 30-day average ≥ £/€0Krak Mastercard UK/EEA
Select where you live, not your travel destination.
Choose your residence first
Important to check
- A listed country does not guarantee personal approval.
- Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Documents & application →Features & benefits
A Mastercard route for UK and EEA Krak balances.
- Rewards · first band
- 0%
- Spending preferences
- Spend funded balance
- Custody model
- Service account / loaded balance
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- For eligible UK/EEA residents wanting control over which Everyday cash or crypto balances fund purchases.
The tradeoff
- Starter earns 0%; rewards begin at a 30-day average balance of GBP/EUR200.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Official confirmation needed
How the card works
- UK/EU Mastercard and US Visa debit programs spending assets directly from Krak accounts.
View cards & plans2
Fees & benefit conditions
- Card issuance fee
- Free initial issue (also free in UK)
- Maintenance / subscription
- No annual fee
- Foreign-currency fee
- 0%
Read the conditions behind the figures
- Combined 30-day average balances earn 0.5% from 200, 1% from 1,000, 1.5% from 10,000, and 2% from 50,000 (GBP/EUR).
- Crypto conversion spread applies.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Documents & application
Documents to prepare
Check accepted ID and any address evidence in the application for your residence and program.
Steps on the official site or app
- Open Card signup in the latest Krak app, select a color, and review regional terms.
- Fund the Everyday account with cash or supported crypto and exclude assets you do not want to spend.
- Create the virtual card and add it to Apple Pay.
- For a physical card, choose orange or black, order it and follow the app’s instructions after delivery.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- GBP · EUR · BTC · ETH · USDC
- Supported networks
- Official confirmation needed
- Balance / billing currency
- GBP / EUR
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Official confirmation needed
- Recurring payments
- Official confirmation needed
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Krak Everyday account
Manage card freezing, PINs and spending assets in the app.
An alternative to compare
For UK users wanting 1% on GBP-funded purchases without an average-balance tier.
Check regional termsOfficial documentation & sources
Official sources
Rewards ↗
Fees ↗
US card ↗
Uphold UK debit card ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026