KrakKrak
74
Side-by-side card comparison
Krak vs Avici: overall score versus use-case fit
Krak Card has the higher Overall Score by 3 points (74 vs 71). Krak Card looks stronger for Cashback, Travel, and Transfers, while Avici Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 27, 202642 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Avici Card may be the better fit for Funds control and Lowest fees. 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.
OverallKrak74Avici71Higher score
CashbackKrak40Avici21Higher score
TravelKrak83Avici82Higher score
Funds controlKrak56Avici95Higher score
Lowest feesKrak72Avici73Higher score
TransfersKrak97Avici67Higher score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Avici Card if funds control and lowest fees matter most
Avici Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Krak74Avici71
Krak Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXAvici$0 plan · 0–1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Krak0% base · up to 2%Avici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceAviciSelf-controlled wallet
Krak Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAAvici1 stablecoin · Stablecoin transfers
Krak Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsKrak CardOverall74Avici CardOverall71
Krak CardOverall74Avici CardOverall71Scores
6 fields- Overall Score
- Krak Card74Avici Card71
- Cashback score
- Krak Card40Avici Card21
- Travel score
- Krak Card83Avici Card82
- Funds control score
- Krak Card56Avici Card95
- Lowest fees score
- Krak Card72Avici Card73
- Transfers score
- Krak Card97Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Krak Card$0Avici Card$0
- FX fee
- Krak Card0–1%Avici Card0–1%
- Top-up fee
- Krak CardNot disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Krak Card0%Avici Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeAvici Card0–0.65%
- Virtual card
- Krak CardFreeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Avici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Krak CardMax: 2%Avici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaAvici CardVisa
- Card formats
- Krak CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableAvici CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoAvici CardStablecoins: USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferAvici CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAAvici CardStablecoin transfers
- Payout currencies
- Krak CardGBP, EURAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Avici Card0%
- Max cashback
- Krak Card2%Avici Card0%
- Reward currency
- Krak CardGBP, EUR, USD or BTCAvici CardNo cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYAvici CardNot offered
- How it works
- Krak CardOptional earn vaultAvici CardNot offered
- Separate deposit
- Krak CardYesAvici CardNot offered
- Use balance for spending
- Krak CardNoAvici CardNot offered
- Lock-up
- Krak CardNot disclosedAvici CardNot offered
Trust & availability
6 fields- Custody
- Krak CardCustodialAvici CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateAvici CardThird National
- Card processing
- Krak CardStripeAvici CardRelay
- Identity verification
- Krak CardNot disclosedAvici CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Avici CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Avici Card16
- Last reviewed
- Krak CardAug 27, 2026Avici CardAug 21, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 71 for Avici Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Avici Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Krak Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Krak Card lists more stablecoins and ways to send money out (5 vs 2). 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 Krak Card and Avici Card reviews first.
Continue with
Krak Card
Continue with
Avici Card
05 · Common questions
Krak vs Avici FAQ
Is Krak or Avici better overall?
Krak Card has the higher Overall Score (74 vs 71). 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, Krak or Avici?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Krak or Avici?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Avici differ on custody?
Krak Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Krak vs Avici comparison?
The latest information check for these two cards was August 27, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.