KrakKrak
74
Side-by-side card comparison
Krak vs Binance: fees, rewards and account setup
Krak Card has the higher Overall Score by 16 points (74 vs 58). Krak Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 27, 202638 official sources reviewed
01 · Make the first cut
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Binance 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.
OverallKrak74Binance58Higher score
CashbackKrak40Binance37Higher score
TravelKrak83Binance36Higher score
Funds controlKrak56Binance47Higher score
Lowest feesKrak72Binance56Higher score
TransfersKrak97Binance75Higher score
Choose Krak Card if cashback and travel matter most
Krak 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Binance Card if its day-to-day setup suits you
Binance 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.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
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
- Krak74Binance58
Krak Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXBinance$0 plan · 2–3% FX
Krak Card has the lower published FX fee (0–1% vs 2–3%).
- Purchase rewards
- Krak0% base · up to 2%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KrakCustodial balanceBinanceCustodial balance
Krak Card and Binance Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
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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
CardsKrak CardOverall74Binance CardOverall58
Krak CardOverall74Binance CardOverall58Scores
6 fields- Overall Score
- Krak Card74Binance Card58
- Cashback score
- Krak Card40Binance Card37
- Travel score
- Krak Card83Binance Card36
- Funds control score
- Krak Card56Binance Card47
- Lowest fees score
- Krak Card72Binance Card56
- Transfers score
- Krak Card97Binance Card75
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Krak Card$0Binance Card$0
- FX fee
- Krak Card0–1%Binance Card2–3%
- Top-up fee
- Krak CardNot disclosedBinance CardNot disclosed
- Card spending fee
- Krak Card0%Binance CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBinance CardNot disclosed
- Virtual card
- Krak CardFreeBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Binance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Krak CardMax: 2%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBinance CardMastercard
- Card formats
- Krak CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- Krak CardAvailableBinance CardNot disclosed
- Mobile wallets
- Krak CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- Krak CardiOS, AndroidBinance CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBinance CardShown in app
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBinance CardShown in app
- 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/monthBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBinance CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBinance CardOther crypto: Supported crypto
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBinance CardBinance account bank deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Krak CardGBP, EURBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Binance Card1.5%
- Max cashback
- Krak Card2%Binance Card3%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBinance CardNot offered
- How it works
- Krak CardOptional earn vaultBinance CardNot offered
- Separate deposit
- Krak CardYesBinance CardNot offered
- Use balance for spending
- Krak CardNoBinance CardNot offered
- Lock-up
- Krak CardNot disclosedBinance CardNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialBinance CardCustodial
- Control until payment
- Krak CardProvider controls fundsBinance CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBinance CardImmersve Limited
- Card processing
- Krak CardStripeBinance CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Binance CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Binance Card12
- Last reviewed
- Krak CardAug 27, 2026Binance CardAug 5, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 58 for Binance Card. Krak Card has the lower published FX fee (0–1% vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card and Binance Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Binance Card reviews first.
Continue with
Krak Card
Continue with
Binance Card
05 · Common questions
Krak vs Binance FAQ
Is Krak or Binance better overall?
Krak Card has the higher Overall Score (74 vs 58). 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 Binance?
Krak Card has the lower published FX fee (0–1% vs 2–3%). 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 Binance?
Binance 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 Krak and Binance differ on custody?
Krak Card and Binance Card use the same custodial balance setup.
How current is this Krak vs Binance comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.