KrakKrak
74
Side-by-side card comparison
Krak vs Decaf
Krak Card has the higher Overall Score by 10 points (74 vs 64). Krak Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202647 official sources reviewed
Krak Card
Best fit
- Existing Kraken users whose account balances already count toward rewards.
- Choosing regional fiat or BTC for automatically credited cashback.
- Cash withdrawals with no Krak ATM fee; the operator can still charge.
Before you choose
- Starter pays 0%; ongoing cashback needs a qualifying 30-day average balance.
- Crypto-funded purchases include a variable conversion spread shown in the app.
- U.S. cards charge 1% on foreign transactions; UK and EEA cards charge 0%.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsKrak CardOverall74Decaf CardOverall64
Krak CardOverall74Decaf CardOverall64Scores
- Overall Score
- Krak Card74Decaf Card64
- Cashback score
- Krak Card41Decaf Card29
- Travel score
- Krak Card83Decaf Card60
- Funds control score
- Krak Card56Decaf Card63
- Lowest fees score
- Krak Card72Decaf Card57
- Transfers score
- Krak Card97Decaf Card70
Costs
- Plan cost
- Krak Card$0Decaf Card$0
- FX fee
- Krak Card0–1%Decaf Card1–2%
- Top-up fee
- Krak CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Krak Card0%Decaf CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeDecaf Card0% Decaf markup
- Virtual card
- Krak CardFreeDecaf Card$5
- Physical card
- Krak CardPlastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.Decaf Card$90 international / $10 US
Plans
- Available plans
- Krak Card10 plans: Starter, Lite, Pro, Elite +6Decaf CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Decaf CardNot disclosed
Everyday use
- Network
- Krak CardMastercard/VisaDecaf CardVisa
- Card formats
- Krak CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Krak CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayDecaf CardNot disclosed
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthDecaf CardNot disclosed
- 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/monthDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Krak CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Krak CardOther crypto: Supported cryptoDecaf CardStablecoins: USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPADecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Krak CardGBP, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Krak Card0%Decaf CardNot disclosed
- Max cashback
- Krak Card2%Decaf CardNot disclosed
- Reward currency
- Krak CardGBP, EUR, USD or BTCDecaf CardNot disclosed
Earn
- Advertised APY
- Krak CardUp to 3.6% APYDecaf CardNot disclosed
- How it works
- Krak CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Krak CardYesDecaf CardYes
- Use balance for spending
- Krak CardNoDecaf CardNot disclosed
- Lock-up
- Krak CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Krak CardCustodialDecaf CardNon-custodial
- Control until payment
- Krak CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateDecaf CardThird National, Inc.
- Card processing
- Krak CardStripeDecaf CardRain
- Deposits & withdrawals
- Krak CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Krak CardPayward Wallet, Inc.Decaf CardNot disclosed
Sources
- Official sources
- Krak Card26Decaf Card21
- Last reviewed
- Krak CardOct 16, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Krak or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Krak lists 0–1%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Krak has reviewed routes in EUR, GBP; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Krak vs Decaf FAQ
Is Krak or Decaf better overall?
Krak Card has the higher Overall Score (74 vs 64). 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 Decaf?
Krak Card has the lower published FX fee (0–1% vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Decaf differ on custody?
Krak Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Krak vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.