KrakKrak
74
Side-by-side card comparison
Krak vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 1 point (75 vs 74). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Holyheld Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202654 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Krak Card may be the better fit for Travel, Lowest fees, and Transfers. 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.
OverallKrak74Holyheld75Higher score
CashbackKrak40Holyheld64Higher score
TravelKrak83Holyheld68Higher score
Funds controlKrak56Holyheld74Higher score
Lowest feesKrak72Holyheld67Higher score
TransfersKrak97Holyheld81Higher 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 Holyheld Card if cashback and funds control matter most
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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
- Krak74Holyheld75
Holyheld Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Krak Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Krak0% base · up to 2%Holyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- KrakCustodial balanceHolyheldHybrid custody
Krak Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + 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 SEPAHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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 CardOverall74Holyheld CardOverall75
Krak CardOverall74Holyheld CardOverall75Scores
6 fields- Overall Score
- Krak Card74Holyheld Card75
- Cashback score
- Krak Card40Holyheld Card64
- Travel score
- Krak Card83Holyheld Card68
- Funds control score
- Krak Card56Holyheld Card74
- Lowest fees score
- Krak Card72Holyheld Card67
- Transfers score
- Krak Card97Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Krak Card$0Holyheld Card$0
- FX fee
- Krak Card0–1%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Krak CardNot disclosedHolyheld Card0%
- Card spending fee
- Krak Card0%Holyheld Card€0.50
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Krak CardFreeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Holyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Holyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Krak CardMax: 2%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaHolyheld CardMastercard
- Card formats
- Krak CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableHolyheld CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- 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/monthHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Krak CardOther crypto: Supported cryptoHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferHolyheld CardPersonal EUR IBAN
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Krak CardGBP, EURHolyheld CardEUR
Rewards
3 fields- Base cashback
- Krak Card0%Holyheld Card0.5%
- Max cashback
- Krak Card2%Holyheld Card1%
- Reward currency
- Krak CardGBP, EUR, USD or BTCHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYHolyheld CardNot disclosed
- How it works
- Krak CardOptional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- Krak CardYesHolyheld CardYes
- Use balance for spending
- Krak CardNoHolyheld CardNot disclosed
- Lock-up
- Krak CardNot disclosedHolyheld CardNo
Trust & availability
6 fields- Custody
- Krak CardCustodialHolyheld CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateHolyheld CardUnlimit EU Ltd
- Card processing
- Krak CardStripeHolyheld CardNot disclosed
- Identity verification
- Krak CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Krak CardPayward Wallet, Inc.Holyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Krak Card26Holyheld Card28
- Last reviewed
- Krak CardAug 27, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 74 for Krak Card. Krak Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Krak Card still comes out ahead for Travel, Lowest fees, and Transfers, 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 Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Holyheld Card reviews first.
Continue with
Krak Card
Continue with
Holyheld Card
05 · Common questions
Krak vs Holyheld FAQ
Is Krak or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 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 Holyheld?
Krak Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
Holyheld Card has the higher published base cashback rate (0.5% 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 Holyheld differ on custody?
Krak Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Krak vs Holyheld comparison?
The latest information check for these two cards was August 27, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.