KrakKrak
74
Side-by-side card comparison
Krak vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 13 points (87 vs 74). Krak Card looks stronger for Lowest fees, while ether.fi Cash Card comes out ahead for Cashback, Travel, and Funds control.
Information checked Aug 27, 202645 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Krak Card may be the better fit for Lowest fees. 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.
OverallKrak74ether.fi Cash87Higher score
CashbackKrak40ether.fi Cash86Higher score
TravelKrak83ether.fi Cash84Higher score
Funds controlKrak56ether.fi Cash96Higher score
Lowest feesKrak72ether.fi Cash69Higher score
TransfersKrak97ether.fi Cash97Same score
Choose Krak Card if lowest fees matters most
Krak Card comes out ahead for Lowest fees 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 ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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
- Krak74ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- KrakCustodial balanceether.fi CashNon-custodial account
Krak Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 SEPAether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5).
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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall74ether.fi Cash CardOverall87
Krak CardOverall74ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Krak Card74ether.fi Cash Card87
- Cashback score
- Krak Card40ether.fi Cash Card86
- Travel score
- Krak Card83ether.fi Cash Card84
- Funds control score
- Krak Card56ether.fi Cash Card96
- Lowest fees score
- Krak Card72ether.fi Cash Card69
- Transfers score
- Krak Card97ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Krak Card$0ether.fi Cash Card$0
- FX fee
- Krak Card0–1%ether.fi Cash Card0–0.2%
- Top-up fee
- Krak CardNot disclosedether.fi Cash CardNot disclosed
- Card spending fee
- Krak Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeether.fi Cash Card2%
- Virtual card
- Krak CardFreeether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Krak CardMax: 2%ether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Krak CardMastercard/Visaether.fi Cash CardVisa
- Card formats
- Krak CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Krak CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- 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/monthether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedether.fi Cash CardOptimism
- Crypto deposits
- Krak CardOther crypto: Supported cryptoether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Krak CardGBP, EURether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Krak Card0%ether.fi Cash Card3%
- Max cashback
- Krak Card2%ether.fi Cash Card3%
- Reward currency
- Krak CardGBP, EUR, USD or BTCether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYether.fi Cash CardUp to 5.02% APY
- How it works
- Krak CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Krak CardYesether.fi Cash CardNot disclosed
- Use balance for spending
- Krak CardNoether.fi Cash CardNot disclosed
- Lock-up
- Krak CardNot disclosedether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Krak CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- Krak CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB Monavateether.fi Cash CardThird National
- Card processing
- Krak CardStripeether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Krak CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Krak CardPayward Wallet, Inc.ether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Krak Card26ether.fi Cash Card19
- Last reviewed
- Krak CardAug 27, 2026ether.fi Cash CardAug 25, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 74 for Krak Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0–1%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Krak Card still comes out ahead for Lowest fees, 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 ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5). 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 ether.fi Cash Card reviews first.
Continue with
Krak Card
Continue with
ether.fi Cash Card
05 · Common questions
Krak vs ether.fi Cash FAQ
Is Krak or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 74). 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 ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Krak Card uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was August 27, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.