KrakKrak
74
Side-by-side card comparison
Krak vs Coca: 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 Coca Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202638 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. Coca 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.
OverallKrak74Coca70Higher score
CashbackKrak40Coca43Higher score
TravelKrak83Coca82Higher score
Funds controlKrak56Coca85Higher score
Lowest feesKrak72Coca63Higher score
TransfersKrak97Coca87Higher 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 Coca Card if cashback and funds control matter most
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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
- Krak74Coca70
Krak Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower published FX fee (0% on direct pairs vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Coca1% base · up to 8%
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceCocaSelf-controlled wallet
Krak Card uses a custodial balance setup, while Coca 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 PayCocaVirtual + 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 SEPACoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
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
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 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 CardOverall74Coca CardOverall70
Krak CardOverall74Coca CardOverall70Scores
6 fields- Overall Score
- Krak Card74Coca Card70
- Cashback score
- Krak Card40Coca Card43
- Travel score
- Krak Card83Coca Card82
- Funds control score
- Krak Card56Coca Card85
- Lowest fees score
- Krak Card72Coca Card63
- Transfers score
- Krak Card97Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Krak Card$0Coca Card$0
- FX fee
- Krak Card0–1%Coca Card0% on direct pairs
- Top-up fee
- Krak CardNot disclosedCoca CardNot disclosed
- Card spending fee
- Krak Card0%Coca CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeCoca Card0–2%
- Virtual card
- Krak CardFreeCoca CardVirtual card free for all tiers
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Coca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Coca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Krak CardMax: 2%Coca CardElite: 8%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaCoca CardVisa
- Card formats
- Krak CardVirtual, PhysicalCoca CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableCoca CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidCoca CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthCoca Card30,000 EUR/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/monthCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Krak CardOther crypto: Supported cryptoCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferCoca CardEUR IBAN receive
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Krak CardGBP, EURCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Krak Card0%Coca Card1%
- Max cashback
- Krak Card2%Coca Card8%
- Reward currency
- Krak CardGBP, EUR, USD or BTCCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYCoca CardUp to 5% APY
- How it works
- Krak CardOptional earn vaultCoca CardEarn on spending balance
- Separate deposit
- Krak CardYesCoca CardNo
- Use balance for spending
- Krak CardNoCoca CardYes
- Lock-up
- Krak CardNot disclosedCoca CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialCoca CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsCoca CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateCoca CardNot disclosed
- Card processing
- Krak CardStripeCoca CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Coca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Krak Card26Coca Card12
- Last reviewed
- Krak CardAug 27, 2026Coca CardAug 5, 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 Coca Card. Coca Card has the lower published FX fee (0% on direct pairs vs 0–1%). Coca Card has the higher published base cashback rate (1% vs 0%).
Coca 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 uses a custodial balance setup, while Coca Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Coca Card reviews first.
Continue with
Krak Card
Continue with
Coca Card
05 · Common questions
Krak vs Coca FAQ
Is Krak or Coca 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 Coca?
Coca Card has the lower published FX fee (0% on direct pairs 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 Coca?
Coca 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 Coca differ on custody?
Krak Card uses a custodial balance setup, while Coca 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 Coca 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.