KrakKrak
74
Side-by-side card comparison
Krak vs Exa: overall score versus use-case fit
Krak Card has the higher Overall Score by 8 points (74 vs 66). Krak Card looks stronger for Cashback, Travel, and Lowest fees, while Exa Card comes out ahead for Funds control.
Information checked Aug 27, 202657 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. Exa Card may be the better fit for 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.
OverallKrak74Exa66Higher score
CashbackKrak40Exa19Higher score
TravelKrak83Exa61Higher score
Funds controlKrak56Exa88Higher score
Lowest feesKrak72Exa67Higher score
TransfersKrak97Exa97Same score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, Travel, and 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 Exa Card if funds control matters most
Exa Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- Krak74Exa66
Krak Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXExa$0 plan · 1.5% FX
Krak Card has the lower published FX fee (0–1% vs 1.5%).
- Purchase rewards
- Krak0% base · up to 2%Exa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceExaSelf-controlled wallet
Krak Card uses a custodial balance setup, while Exa 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 PayExaVirtual · Apple Pay, Google 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 SEPAExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 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 CardOverall74Exa CardOverall66
Krak CardOverall74Exa CardOverall66Scores
6 fields- Overall Score
- Krak Card74Exa Card66
- Cashback score
- Krak Card40Exa Card19
- Travel score
- Krak Card83Exa Card61
- Funds control score
- Krak Card56Exa Card88
- Lowest fees score
- Krak Card72Exa Card67
- Transfers score
- Krak Card97Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Krak Card$0Exa Card$0
- FX fee
- Krak Card0–1%Exa Card1.5%
- Top-up fee
- Krak CardNot disclosedExa Card1%
- Card spending fee
- Krak Card0%Exa CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeExa Card$1 + 0.65%
- Virtual card
- Krak CardFreeExa CardFree with Exa Wallet
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Exa CardNot available
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Exa CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Exa CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaExa CardVisa
- Card formats
- Krak CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Krak CardAvailableExa CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthExa CardDynamic / collateral-based; exact Exa App limit shown in app
- 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/monthExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedExa CardOptimism
- Crypto deposits
- Krak CardOther crypto: Supported cryptoExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Krak CardGBP, EURExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Exa Card0%
- Max cashback
- Krak Card2%Exa Card0%
- Reward currency
- Krak CardGBP, EUR, USD or BTCExa CardNo cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYExa CardUp to 0.99776% APY
- How it works
- Krak CardOptional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Krak CardYesExa CardNo
- Use balance for spending
- Krak CardNoExa CardYes
- Lock-up
- Krak CardNot disclosedExa CardNo
Trust & availability
6 fields- Custody
- Krak CardCustodialExa CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsExa CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateExa CardThird National Bank, Third National
- Card processing
- Krak CardStripeExa CardExa Labs SAS
- Deposits & withdrawals
- Krak CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Krak CardPayward Wallet, Inc.Exa CardExa Labs SAS
Sources
2 fields- Official sources
- Krak Card26Exa Card31
- Last reviewed
- Krak CardAug 27, 2026Exa CardAug 23, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 66 for Exa Card. Krak Card has the lower published FX fee (0–1% vs 1.5%). Both cards show the same base cashback rate of 0%.
Exa Card still comes out ahead for 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 Exa 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 Exa Card reviews first.
Continue with
Krak Card
Continue with
Exa Card
05 · Common questions
Krak vs Exa FAQ
Is Krak or Exa better overall?
Krak Card has the higher Overall Score (74 vs 66). 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 Exa?
Krak Card has the lower published FX fee (0–1% vs 1.5%). 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 Exa?
Both cards show the same base cashback rate of 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 Exa differ on custody?
Krak Card uses a custodial balance setup, while Exa 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 Exa comparison?
The latest information check for these two cards was August 27, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.