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Krak (Kraken) / Card review
Crypto payment card
Krak Visa US
UK/EU Mastercard and US Visa debit programs spending assets directly from Krak accounts.
Before you apply
Selected tier / planUS regional programKrak Visa US
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
Spend US Krak Everyday balances through Visa.
- Rewards · first band
- Starter 0%; up to 2% by balance
- 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 SSN-verified US residents outside NY, ME, MA and IN spending cash or supported crypto.
The tradeoff
- Physical issuance needs the USD200 balance condition; US foreign purchases add 1% to Visa FX.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
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
- Initial virtual/plastic free; eligibility conditions apply
- Maintenance / subscription
- No annual fee
- Foreign-currency fee
- Visa exchange rate + 1%
Read the conditions behind the figures
- US applies Visa FX plus 1%.
- Starter is 0%; 30-day averages of USD200/1,000/10,000/50,000 earn 0.5/1/1.5/2%.
- Physical issue has a USD200 balance condition; 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 a mobile wallet; US guidance supports Apple, Google and Samsung Wallet.
- For US physical delivery, meet the $200 balance condition within a 30-day period, order from Card Home, then activate on receipt.
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
- USD · BTC · ETH · USDC
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- 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
- Listed · check region and plan
- 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
- Lead Bank
- Custody of funded balances
- Krak Everyday account
Manage card freezing, PINs and spending assets in app. The US Everyday balance is not an FDIC-insured bank deposit.
An alternative to compare
For a US debit alternative in Krak-excluded states; Coinbase excludes Hawaii.
Check regional termsOfficial documentation & sources
Official sources
Rewards ↗
Fees ↗
US card ↗
US Krak Card FAQ — Fees and limits; updated 2026-08-10 ↗
Coinbase debit card ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026