KrakKrak
74
Side-by-side card comparison
Krak vs Kolo: overall score versus use-case fit
Krak Card has the higher Overall Score by 1 point (74 vs 73). Krak Card looks stronger for Travel and Transfers, while Kolo Card comes out ahead for Cashback and Lowest fees.
Information checked Aug 28, 202654 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. Kolo Card may be the better fit for Cashback and 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.
OverallKrak74Kolo73Higher score
CashbackKrak40Kolo54Higher score
TravelKrak83Kolo70Higher score
Funds controlKrak56Kolo56Same score
Lowest feesKrak72Kolo83Higher score
TransfersKrak97Kolo92Higher score
Choose Krak Card if travel and transfers matter most
Krak Card comes out ahead for Travel 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 Kolo Card if cashback and lowest fees matter most
Kolo Card comes out ahead for Cashback 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- Krak74Kolo73
Krak Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXKolo$0 plan · 1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Krak0% base · up to 2%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceKoloCustodial balance
Krak Card and Kolo Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayKoloVirtual · 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 SEPAKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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 CardOverall74Kolo CardOverall73
Krak CardOverall74Kolo CardOverall73Scores
6 fields- Overall Score
- Krak Card74Kolo Card73
- Cashback score
- Krak Card40Kolo Card54
- Travel score
- Krak Card83Kolo Card70
- Funds control score
- Krak Card56Kolo Card56
- Lowest fees score
- Krak Card72Kolo Card83
- Transfers score
- Krak Card97Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Krak Card$0Kolo Card$0
- FX fee
- Krak Card0–1%Kolo Card1%
- Top-up fee
- Krak CardNot disclosedKolo Card0%
- Card spending fee
- Krak Card0%Kolo CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeKolo Card$1 + 0.65%
- Virtual card
- Krak CardFreeKolo CardFree
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Kolo CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaKolo CardVisa
- Card formats
- Krak CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Krak CardAvailableKolo CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayKolo Card$9,000/day
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthKolo Card$9,000/month
- 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/monthKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferKolo CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Krak CardGBP, EURKolo CardEUR
Rewards
3 fields- Base cashback
- Krak Card0%Kolo Card1%
- Max cashback
- Krak Card2%Kolo Card2%
- Reward currency
- Krak CardGBP, EUR, USD or BTCKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYKolo CardNot offered
- How it works
- Krak CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Krak CardYesKolo CardNot offered
- Use balance for spending
- Krak CardNoKolo CardNot offered
- Lock-up
- Krak CardNot disclosedKolo CardNot offered
Trust & availability
6 fields- Custody
- Krak CardCustodialKolo CardCustodial
- Control until payment
- Krak CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Krak CardStripeKolo CardNot disclosed
- Identity verification
- Krak CardNot disclosedKolo CardSumSub
- Programme operator
- Krak CardPayward Wallet, Inc.Kolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Krak Card26Kolo Card28
- Last reviewed
- Krak CardAug 27, 2026Kolo CardAug 28, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 73 for Kolo Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Kolo Card has the higher published base cashback rate (1% vs 0%).
Kolo Card still comes out ahead for Cashback and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Krak Card
Continue with
Kolo Card
05 · Common questions
Krak vs Kolo FAQ
Is Krak or Kolo better overall?
Krak Card has the higher Overall Score (74 vs 73). 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 Kolo?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Kolo?
Kolo Card has the higher published base cashback rate (1% 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 Kolo differ on custody?
Krak Card and Kolo Card use the same custodial balance setup.
How current is this Krak vs Kolo comparison?
The latest information check for these two cards was August 28, 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.