KASTKAST
84
Side-by-side card comparison
KAST vs Krak: fees, rewards and account setup
KAST Card has the higher Overall Score by 10 points (84 vs 74). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Krak Card may still be the better personal fit.
Information checked Aug 28, 202646 official sources reviewed
01 · Make the first cut
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. Krak Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKAST84Krak74Higher score
CashbackKAST75Krak40Higher score
TravelKAST92Krak83Higher score
Funds controlKAST71Krak56Higher score
Lowest feesKAST81Krak72Higher score
TransfersKAST100Krak97Higher score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose Krak Card if its day-to-day setup suits you
Krak Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- KAST84Krak74
KAST Card has the higher Overall Score by 10 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXKrak$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 0.5–1.75%).
- Purchase rewards
- KAST1.5% base · up to 3%Krak0% base · up to 2%
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balanceKrakCustodial balance
KAST Card and Krak Card use the same custodial balance setup.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
KAST Card lists more stablecoins and ways to send money out (12 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
Krak Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKAST CardOverall84Krak CardOverall74
KAST CardOverall84Krak CardOverall74Scores
6 fields- Overall Score
- KAST Card84Krak Card74
- Cashback score
- KAST Card75Krak Card40
- Travel score
- KAST Card92Krak Card83
- Funds control score
- KAST Card71Krak Card56
- Lowest fees score
- KAST Card81Krak Card72
- Transfers score
- KAST Card100Krak Card97
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- KAST Card$0Krak Card$0
- FX fee
- KAST Card0.5–1.75%Krak Card0–1%
- Top-up fee
- KAST Card0%Krak CardNot disclosed
- Card spending fee
- KAST Card0%Krak Card0%
- ATM fee
- KAST Card$3 + 2%Krak Card0% Krak fee; ATM operator may charge
- Virtual card
- KAST CardFree first twoKrak CardFree
- Physical card
- KAST CardFree; $40 shippingKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- KAST CardPrivate: 3%Krak CardMax: 2%
Everyday use
8 fields- Network
- KAST CardVisaKrak CardMastercard/Visa
- Card formats
- KAST CardVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableKrak CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidKrak CardiOS, Android
- Daily spending limit
- KAST CardNo capKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- KAST CardNo capKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- KAST CardLimits shown in appKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Krak CardNot disclosed
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Krak CardOther crypto: Supported crypto
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Krak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Krak CardGBP, EUR
Rewards
3 fields- Base cashback
- KAST Card1.5%Krak Card0%
- Max cashback
- KAST Card3%Krak Card2%
- Reward currency
- KAST CardUSD cashbackKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYKrak CardUp to 3.6% APY
- How it works
- KAST CardOptional earn vaultKrak CardOptional earn vault
- Separate deposit
- KAST CardYesKrak CardYes
- Use balance for spending
- KAST CardNoKrak CardNo
- Lock-up
- KAST CardNoKrak CardNot disclosed
Trust & availability
6 fields- Custody
- KAST CardCustodialKrak CardCustodial
- Control until payment
- KAST CardProvider controls fundsKrak CardProvider controls funds
- Card issuer
- KAST CardThird NationalKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- KAST CardTazapayKrak CardStripe
- Custody / key management
- KAST CardBitGoKrak CardNot disclosed
- Programme operator
- KAST CardTroia CorpKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- KAST Card20Krak Card26
- Last reviewed
- KAST CardAug 28, 2026Krak CardAug 27, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 74 for Krak Card. Krak Card has the lower published FX fee (0–1% vs 0.5–1.75%). KAST Card has the higher published base cashback rate (1.5% vs 0%).
Krak Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card and Krak Card use the same custodial balance setup.
KAST Card lists more stablecoins and ways to send money out (12 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full KAST Card and Krak Card reviews first.
Continue with
KAST Card
Continue with
Krak Card
05 · Common questions
KAST vs Krak FAQ
Is KAST or Krak better overall?
KAST Card has the higher Overall Score (84 vs 74). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, KAST or Krak?
Krak Card has the lower published FX fee (0–1% vs 0.5–1.75%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, KAST or Krak?
KAST Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Krak differ on custody?
KAST Card and Krak Card use the same custodial balance setup.
How current is this KAST vs Krak comparison?
The latest information check for these two cards was August 28, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.