Fees
- Issue
- FreeVirtual and plastic cards are free. Replacement costs €4.99 or £4.99 depending on country.
- Service fee
- FreeNo annual or monthly fee is stated.
- Top-up
- 0% by bank transferCrypto, bank transfers and transfers from Kraken are free. Debit card, Apple Pay or Google Pay: 3.75% + €0.25 / £0.25.
- Purchases
- 0% + crypto exchangeThere is no card transaction fee, but selling crypto uses Kraken’s conversion price with a spread.
- Currency conversion
- 0%Kraken does not add a separate FX fee; the Mastercard rate is passed through without a Kraken markup.
- Cashback
- 0-2% cashback by balance tierThe base rate depends on the 30-day balance; the new-user 2%/30-day rate and first-transaction bonus are time-limited.
Who can apply
- Identity check
- An identity document is required
- Residence: available
- United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Cyprus, Liechtenstein
Sources (6)
- Kraken card faqs2026-08-30
- Getting started kraken card2026-08-30
- Kraken card faqs2026-09-05
- Getting started kraken card2026-09-05
- Card2026-09-05
- Pricing2026-09-05
Other plans
RS Score
89/100- Security
- Issuer
- Cost
- In practice
- Access
- Convenience
- Rewards
Score inputs
- Launched 2011 source
- Custody licensed custodian source
- Issuer Monavate Ltd (UK, company no. 12472532); Monavate UAB (EEA, company no. 305628001) source
- Incident 2024-06 A deposit bug was exploited for about $3M (by CertiK researchers). The funds were returned, and Kraken said client assets were unaffected. source
- Incident 2023-02 SEC settlement: $30M, and Kraken shut down its US staking-as-a-service. This was a regulator ban on a US service; the UK/EEA card was not involved. source