KrakKrak
74
Side-by-side card comparison
Krak vs Brighty: overall score versus use-case fit
Krak Card has the higher Overall Score by 4 points (74 vs 70). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Brighty Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202651 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. Brighty Card may be the better fit for Cashback and Funds control. 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.
OverallKrak74Brighty70Higher score
CashbackKrak40Brighty48Higher score
TravelKrak83Brighty80Higher score
Funds controlKrak56Brighty65Higher score
Lowest feesKrak72Brighty68Higher score
TransfersKrak97Brighty93Higher 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 Brighty Card if cashback and funds control matter most
Brighty Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
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
- Krak74Brighty70
Krak Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Krak Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Krak0% base · up to 2%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- KrakCustodial balanceBrightyCustodial balance
Krak Card and Brighty Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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 CardOverall74Brighty CardOverall70
Krak CardOverall74Brighty CardOverall70Scores
6 fields- Overall Score
- Krak Card74Brighty Card70
- Cashback score
- Krak Card40Brighty Card48
- Travel score
- Krak Card83Brighty Card80
- Funds control score
- Krak Card56Brighty Card65
- Lowest fees score
- Krak Card72Brighty Card68
- Transfers score
- Krak Card97Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Krak Card$0Brighty Card$0
- FX fee
- Krak Card0–1%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Krak CardNot disclosedBrighty Card0%
- Card spending fee
- Krak Card0%Brighty CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBrighty CardNot disclosed
- Virtual card
- Krak CardFreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Brighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Krak CardMax: 2%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBrighty CardVisa/Mastercard
- Card formats
- Krak CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableBrighty CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Krak CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- 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/monthBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Krak CardGBP, EURBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Krak Card0%Brighty Card0.5%
- Max cashback
- Krak Card2%Brighty Card1.8%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBrighty CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBrighty CardNot disclosed
- How it works
- Krak CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Krak CardYesBrighty CardNo
- Use balance for spending
- Krak CardNoBrighty CardYes
- Lock-up
- Krak CardNot disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- Krak CardCustodialBrighty CardCustodial
- Control until payment
- Krak CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBrighty CardWallester AS
- Card processing
- Krak CardStripeBrighty CardNot disclosed
- Custody / key management
- Krak CardNot disclosedBrighty CardFireblocks
- Identity verification
- Krak CardNot disclosedBrighty CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Brighty CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Brighty Card25
- Last reviewed
- Krak CardAug 27, 2026Brighty CardAug 16, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 70 for Brighty Card. Krak Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Brighty 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 Brighty Card reviews first.
Continue with
Krak Card
Continue with
Brighty Card
05 · Common questions
Krak vs Brighty FAQ
Is Krak or Brighty better overall?
Krak Card has the higher Overall Score (74 vs 70). 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 Brighty?
Krak Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% 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 Brighty differ on custody?
Krak Card and Brighty Card use the same custodial balance setup.
How current is this Krak vs Brighty comparison?
The latest information check for these two cards was August 27, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.