KrakKrak
74
Side-by-side card comparison
Krak vs Lava: fees, rewards and account setup
Krak Card has the higher Overall Score by 12 points (74 vs 62). Krak Card also looks stronger for Cashback, Travel, Lowest fees, and Transfers. The details below show where Lava Card may still be the better personal fit.
Information checked Oct 6, 202654 official sources reviewed
01 · Make the first cut
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Lava Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallKrak74Lava62Higher score
CashbackKrak41Lava36Higher score
TravelKrak83Lava46Higher score
Funds controlKrak56Lava56Same score
Lowest feesKrak72Lava59Higher score
TransfersKrak97Lava80Higher 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 Lava Card if its day-to-day setup suits you
Lava Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Krak74Lava62
Krak Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower published FX fee (0% provider FX fee vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- KrakCustodial balanceLavaHybrid custody
Krak Card uses a custodial balance setup, while Lava 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 PayLavaCard format not disclosed · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPALava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKrak CardOverall74Lava CardOverall62
Krak CardOverall74Lava CardOverall62Scores
6 fields- Overall Score
- Krak Card74Lava Card62
- Cashback score
- Krak Card41Lava Card36
- Travel score
- Krak Card83Lava Card46
- Funds control score
- Krak Card56Lava Card56
- Lowest fees score
- Krak Card72Lava Card59
- Transfers score
- Krak Card97Lava Card80
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- Krak Card$0Lava Card$0
- FX fee
- Krak Card0–1%Lava Card0% provider FX fee
- Top-up fee
- Krak CardNot disclosedLava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- Krak Card0%Lava CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeLava Card2%; min $1
- Virtual card
- Krak CardFreeLava CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Lava CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Lava CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Lava CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaLava CardVisa
- Card formats
- Krak CardVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- Krak CardAvailableLava CardNot disclosed
- Mobile wallets
- Krak CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidLava CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthLava CardAccount-specific; universal monthly amount not disclosed.
- 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/monthLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- Krak CardOther crypto: Supported cryptoLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferLava CardLava account bank funding
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPALava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- Krak CardGBP, EURLava CardUSD, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Lava CardNot disclosed
- Max cashback
- Krak Card2%Lava Card5%
- Reward currency
- Krak CardGBP, EUR, USD or BTCLava CardBTC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYLava CardUp to 6.5% APY
- How it works
- Krak CardOptional earn vaultLava CardOptional earn vault
- Separate deposit
- Krak CardYesLava CardYes
- Use balance for spending
- Krak CardNoLava CardNo
- Lock-up
- Krak CardNot disclosedLava CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialLava CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsLava CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateLava CardThird National
- Card processing
- Krak CardStripeLava CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Lava CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Lava Card28
- Last reviewed
- Krak CardAug 27, 2026Lava CardOct 6, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 62 for Lava Card. Lava Card has the lower published FX fee (0% provider FX fee vs 0–1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card uses a custodial balance setup, while Lava Card uses a hybrid custody 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 Lava Card reviews first.
Continue with
Krak Card
Continue with
Lava Card
05 · Common questions
Krak vs Lava FAQ
Is Krak or Lava better overall?
Krak Card has the higher Overall Score (74 vs 62). 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 Lava?
Lava Card has the lower published FX fee (0% provider FX fee 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 Lava?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Lava differ on custody?
Krak Card uses a custodial balance setup, while Lava 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 Lava comparison?
The latest information check for these two cards was October 6, 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.