KrakKrak
74
Side-by-side card comparison
Krak vs Oobit: overall score versus use-case fit
Krak Card has the higher Overall Score by 2 points (74 vs 72). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202642 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. Oobit Card may be the better fit for Cashback and 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.
OverallKrak74Oobit72Higher score
CashbackKrak40Oobit68Higher score
TravelKrak83Oobit45Higher score
Funds controlKrak56Oobit77Higher score
Lowest feesKrak72Oobit51Higher score
TransfersKrak97Oobit64Higher 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 Oobit Card if cashback and funds control matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Krak74Oobit72
Krak Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXOobit$0 plan · 3% FX
Krak Card has the lower published FX fee (0–1% vs 3%).
- Purchase rewards
- Krak0% base · up to 2%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- KrakCustodial balanceOobitHybrid custody
Krak Card uses a custodial balance setup, while Oobit 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 PayOobitVirtual · 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 SEPAOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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 CardOverall74Oobit CardOverall72
Krak CardOverall74Oobit CardOverall72Scores
6 fields- Overall Score
- Krak Card74Oobit Card72
- Cashback score
- Krak Card40Oobit Card68
- Travel score
- Krak Card83Oobit Card45
- Funds control score
- Krak Card56Oobit Card77
- Lowest fees score
- Krak Card72Oobit Card51
- Transfers score
- Krak Card97Oobit Card64
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceOobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Krak Card$0Oobit Card$0
- FX fee
- Krak Card0–1%Oobit Card3%
- Top-up fee
- Krak CardNot disclosedOobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Krak Card0%Oobit Card$0.25 + 1%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeOobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Krak CardFreeOobit CardFree
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Oobit CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Oobit CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Oobit CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaOobit CardVisa
- Card formats
- Krak CardVirtual, PhysicalOobit CardVirtual
- ATM withdrawals
- Krak CardAvailableOobit CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidOobit CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayOobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthOobit CardNo universal monthly card-spend limit published
- 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/monthOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Krak CardOther crypto: Supported cryptoOobit CardNot disclosed
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferOobit CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Krak CardGBP, EUROobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Krak Card0%Oobit Card5%
- Max cashback
- Krak Card2%Oobit Card10%
- Reward currency
- Krak CardGBP, EUR, USD or BTCOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYOobit CardNot offered
- How it works
- Krak CardOptional earn vaultOobit CardNot offered
- Separate deposit
- Krak CardYesOobit CardNot offered
- Use balance for spending
- Krak CardNoOobit CardNot offered
- Lock-up
- Krak CardNot disclosedOobit CardNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialOobit CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsOobit CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateOobit CardThirdNational
- Card processing
- Krak CardStripeOobit CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Oobit CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Oobit Card16
- Last reviewed
- Krak CardAug 27, 2026Oobit CardAug 12, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 72 for Oobit Card. Krak Card has the lower published FX fee (0–1% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Oobit Card still comes out ahead for Cashback and 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 Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Oobit 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 Oobit Card reviews first.
Continue with
Krak Card
Continue with
Oobit Card
05 · Common questions
Krak vs Oobit FAQ
Is Krak or Oobit better overall?
Krak Card has the higher Overall Score (74 vs 72). 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 Oobit?
Krak Card has the lower published FX fee (0–1% vs 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 Oobit?
Oobit Card has the higher published base cashback rate (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 Oobit differ on custody?
Krak Card uses a custodial balance setup, while Oobit 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 Oobit comparison?
The latest information check for these two cards was August 27, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.