KrakKrak
74
Side-by-side card comparison
Krak vs Karta Personal: overall score versus use-case fit
Krak Card has the higher Overall Score by 13 points (74 vs 61). Krak Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Karta Personal Card comes out ahead for Funds control.
Information checked Aug 27, 202651 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. Karta Personal 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.
OverallKrak74Karta Personal61Higher score
CashbackKrak40Karta Personal14Higher score
TravelKrak83Karta Personal46Higher score
Funds controlKrak56Karta Personal92Higher score
Lowest feesKrak72Karta Personal53Higher score
TransfersKrak97Karta Personal90Higher score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, 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 Karta Personal Card if funds control matters most
Karta Personal 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Krak74Karta Personal61
Krak Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXKarta Personal$0 plan · 1–3% FX
Krak Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Krak0% base · up to 2%Karta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceKarta PersonalSelf-controlled wallet
Krak Card uses a custodial balance setup, while Karta Personal 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 PayKarta PersonalVirtual · 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 SEPAKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 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
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
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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 CardOverall74Karta Personal CardOverall61
Krak CardOverall74Karta Personal CardOverall61Scores
6 fields- Overall Score
- Krak Card74Karta Personal Card61
- Cashback score
- Krak Card40Karta Personal Card14
- Travel score
- Krak Card83Karta Personal Card46
- Funds control score
- Krak Card56Karta Personal Card92
- Lowest fees score
- Krak Card72Karta Personal Card53
- Transfers score
- Krak Card97Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Krak Card$0Karta Personal Card$0
- FX fee
- Krak Card0–1%Karta Personal Card1–3%
- Top-up fee
- Krak CardNot disclosedKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Krak Card0%Karta Personal Card1.5%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Krak CardFreeKarta Personal Card5 USDT one-time
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Karta Personal CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaKarta Personal CardVisa
- Card formats
- Krak CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Krak CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthKarta Personal CardNot publicly disclosed; limits are dynamic
- 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/monthKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Krak CardOther crypto: Supported cryptoKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferKarta Personal CardBank deposits
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Krak CardGBP, EURKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Karta Personal Card0%
- Max cashback
- Krak Card2%Karta Personal Card0%
- Reward currency
- Krak CardGBP, EUR, USD or BTCKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYKarta Personal CardNot offered
- How it works
- Krak CardOptional earn vaultKarta Personal CardNot offered
- Separate deposit
- Krak CardYesKarta Personal CardNot offered
- Use balance for spending
- Krak CardNoKarta Personal CardNot offered
- Lock-up
- Krak CardNot disclosedKarta Personal CardNot offered
Trust & availability
7 fields- Custody
- Krak CardCustodialKarta Personal CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Krak CardStripeKarta Personal CardNot disclosed
- Custody / key management
- Krak CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Krak CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Karta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Krak Card26Karta Personal Card25
- Last reviewed
- Krak CardAug 27, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 61 for Karta Personal Card. Krak Card has the lower published FX fee (0–1% vs 1–3%). Both cards show the same base cashback rate of 0%.
Karta Personal 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 Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 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 Karta Personal Card reviews first.
Continue with
Krak Card
Continue with
Karta Personal Card
05 · Common questions
Krak vs Karta Personal FAQ
Is Krak or Karta Personal better overall?
Krak Card has the higher Overall Score (74 vs 61). 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 Karta Personal?
Krak Card has the lower published FX fee (0–1% vs 1–3%). 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 Karta Personal?
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 Karta Personal differ on custody?
Krak Card uses a custodial balance setup, while Karta Personal 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 Karta Personal comparison?
The latest information check for these two cards was August 27, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.