KrakKrak
74
Side-by-side card comparison
Krak vs Bitpanda: overall score versus use-case fit
Krak Card has the higher Overall Score by 1 point (74 vs 73). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Bitpanda Card comes out ahead for Cashback.
Information checked Oct 6, 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. Bitpanda Card may be the better fit for Cashback. 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.
OverallKrak74Bitpanda73Higher score
CashbackKrak41Bitpanda60Higher score
TravelKrak83Bitpanda79Higher score
Funds controlKrak56Bitpanda56Same score
Lowest feesKrak72Bitpanda67Higher score
TransfersKrak97Bitpanda85Higher score
Choose Krak Card if travel and lowest fees matter most
Krak Card comes out ahead for Travel, 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 Bitpanda Card if cashback matters most
Bitpanda Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
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
- Krak74Bitpanda73
Krak Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceBitpandaCustodial balance
Krak Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + 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 SEPABitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Krak Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 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 CardOverall74Bitpanda CardOverall73
Krak CardOverall74Bitpanda CardOverall73Scores
6 fields- Overall Score
- Krak Card74Bitpanda Card73
- Cashback score
- Krak Card41Bitpanda Card60
- Travel score
- Krak Card83Bitpanda Card79
- Funds control score
- Krak Card56Bitpanda Card56
- Lowest fees score
- Krak Card72Bitpanda Card67
- Transfers score
- Krak Card97Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Krak Card$0Bitpanda Card$0
- FX fee
- Krak Card0–1%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Krak CardNot disclosedBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- Krak Card0%Bitpanda CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBitpanda Card2%; min €2
- Virtual card
- Krak CardFreeBitpanda CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Bitpanda Card1 plans: Standard
- Top cashback plan
- Krak CardMax: 2%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBitpanda CardVisa
- Card formats
- Krak CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableBitpanda CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBitpanda Card€280,000 per month
- 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/monthBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBitpanda CardStablecoins: USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBitpanda CardEUR SEPA deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Krak CardGBP, EURBitpanda CardEUR
Rewards
3 fields- Base cashback
- Krak Card0%Bitpanda Card1%
- Max cashback
- Krak Card2%Bitpanda Card1%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBitpanda CardNot disclosed
- How it works
- Krak CardOptional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- Krak CardYesBitpanda CardNo
- Use balance for spending
- Krak CardNoBitpanda CardYes
- Lock-up
- Krak CardNot disclosedBitpanda CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialBitpanda CardCustodial
- Control until payment
- Krak CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBitpanda CardTransact Payments Malta Limited
- Card processing
- Krak CardStripeBitpanda CardMarqeta
- Programme operator
- Krak CardPayward Wallet, Inc.Bitpanda CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Bitpanda Card16
- Last reviewed
- Krak CardAug 27, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 73 for Bitpanda Card. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Bitpanda Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Bitpanda Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 4). 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 Bitpanda Card reviews first.
Continue with
Krak Card
Continue with
Bitpanda Card
05 · Common questions
Krak vs Bitpanda FAQ
Is Krak or Bitpanda better overall?
Krak Card has the higher Overall Score (74 vs 73). 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 Bitpanda?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1%). 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 Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% 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 Bitpanda differ on custody?
Krak Card and Bitpanda Card use the same custodial balance setup.
How current is this Krak vs Bitpanda comparison?
The latest information check for these two cards was October 6, 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.