KrakKrak
74
Side-by-side card comparison
Krak vs Bybit EU: overall score versus use-case fit
Krak Card has the higher Overall Score by 6 points (74 vs 68). Krak Card looks stronger for Funds control and Transfers, while Bybit Card (EU) comes out ahead for Cashback and Travel.
Information checked Aug 27, 202636 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. Bybit Card (EU) may be the better fit for Cashback and Travel. 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.
OverallKrak74Bybit EU68Higher score
CashbackKrak40Bybit EU47Higher score
TravelKrak83Bybit EU87Higher score
Funds controlKrak56Bybit EU51Higher score
Lowest feesKrak72Bybit EU72Same score
TransfersKrak97Bybit EU79Higher score
Choose Krak Card if funds control and transfers matter most
Krak Card comes out ahead for Funds control 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 Bybit Card (EU) if cashback and travel matter most
Bybit Card (EU) comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
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
- Krak74Bybit EU68
Krak Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXBybit EU$0 plan · 0.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Bybit EU1% base · up to 10%
Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceBybit EUCustodial balance
Krak Card and Bybit Card (EU) use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayBybit EUVirtual + 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 SEPABybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat 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%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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 CardOverall74Bybit Card (EU)Overall68
Krak CardOverall74Bybit Card (EU)Overall68Scores
6 fields- Overall Score
- Krak Card74Bybit Card (EU)68
- Cashback score
- Krak Card40Bybit Card (EU)47
- Travel score
- Krak Card83Bybit Card (EU)87
- Funds control score
- Krak Card56Bybit Card (EU)51
- Lowest fees score
- Krak Card72Bybit Card (EU)72
- Transfers score
- Krak Card97Bybit Card (EU)79
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account model
Costs
7 fields- Plan cost
- Krak Card$0Bybit Card (EU)$0
- FX fee
- Krak Card0–1%Bybit Card (EU)0.5%
- Top-up fee
- Krak CardNot disclosedBybit Card (EU)Not disclosed
- Card spending fee
- Krak Card0%Bybit Card (EU)Not disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBybit Card (EU)2%
- Virtual card
- Krak CardFreeBybit Card (EU)Free
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Bybit Card (EU)First physical card free
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2
- Top cashback plan
- Krak CardMax: 2%Bybit Card (EU)VIP 6 / PRO 3-5: 10%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBybit Card (EU)Mastercard
- Card formats
- Krak CardVirtual, PhysicalBybit Card (EU)Virtual, Physical
- ATM withdrawals
- Krak CardAvailableBybit Card (EU)Available
- Mobile wallets
- Krak CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidBybit Card (EU)iOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetime
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetime
- 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/monthBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per day
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBybit Card (EU)Not disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBybit Card (EU)Other crypto: Supported crypto
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBybit Card (EU)Bybit EU Funding Account deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawal
- Payout currencies
- Krak CardGBP, EURBybit Card (EU)Not disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Bybit Card (EU)1%
- Max cashback
- Krak Card2%Bybit Card (EU)10%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBybit Card (EU)Up to 8% APY
- How it works
- Krak CardOptional earn vaultBybit Card (EU)Not disclosed
- Separate deposit
- Krak CardYesBybit Card (EU)Not disclosed
- Use balance for spending
- Krak CardNoBybit Card (EU)Not disclosed
- Lock-up
- Krak CardNot disclosedBybit Card (EU)Not disclosed
Trust & availability
5 fields- Custody
- Krak CardCustodialBybit Card (EU)Custodial
- Control until payment
- Krak CardProvider controls fundsBybit Card (EU)Provider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBybit Card (EU)Harmoniie SAS, Moorwand Ltd
- Card processing
- Krak CardStripeBybit Card (EU)Not disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Bybit Card (EU)Not disclosed
Sources
2 fields- Official sources
- Krak Card26Bybit Card (EU)10
- Last reviewed
- Krak CardAug 27, 2026Bybit Card (EU)Aug 14, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1%). Bybit Card (EU) has the higher published base cashback rate (1% vs 0%).
Bybit Card (EU) still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Bybit Card (EU) 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 Bybit Card (EU) reviews first.
Continue with
Krak Card
Continue with
Bybit Card (EU)
05 · Common questions
Krak vs Bybit EU FAQ
Is Krak or Bybit EU better overall?
Krak Card has the higher Overall Score (74 vs 68). 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 Bybit EU?
Bybit Card (EU) has the lower published FX fee (0.5% 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 Bybit EU?
Bybit Card (EU) 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 Bybit EU differ on custody?
Krak Card and Bybit Card (EU) use the same custodial balance setup.
How current is this Krak vs Bybit EU comparison?
The latest information check for these two cards was August 27, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.