KrakKrak
74
Side-by-side card comparison
Krak vs Pionex: overall score versus use-case fit
Krak Card has the higher Overall Score by 17 points (74 vs 57). Krak Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Pionex Card comes out ahead for Cashback.
Information checked Aug 27, 202685 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. Pionex Card may be the better fit for Cashback. 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.
OverallKrak74Pionex57Higher score
CashbackKrak40Pionex52Higher score
TravelKrak83Pionex29Higher score
Funds controlKrak56Pionex43Higher score
Lowest feesKrak72Pionex58Higher score
TransfersKrak97Pionex79Higher score
Choose Krak Card if travel and funds control matter most
Krak Card comes out ahead for Travel, Funds control, 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 Pionex Card if cashback matters most
Pionex Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and 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
- Krak74Pionex57
Krak Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- KrakCustodial balancePionexCustodial balance
Krak Card and Pionex Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayPionexVirtual · 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 SEPAPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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 CardOverall74Pionex CardOverall57
Krak CardOverall74Pionex CardOverall57Scores
6 fields- Overall Score
- Krak Card74Pionex Card57
- Cashback score
- Krak Card40Pionex Card52
- Travel score
- Krak Card83Pionex Card29
- Funds control score
- Krak Card56Pionex Card43
- Lowest fees score
- Krak Card72Pionex Card58
- Transfers score
- Krak Card97Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balancePionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Krak Card$0Pionex Card$0
- FX fee
- Krak Card0–1%Pionex CardNot disclosed
- Top-up fee
- Krak CardNot disclosedPionex CardNot disclosed
- Card spending fee
- Krak Card0%Pionex Card3.5%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargePionex CardNot available
- Virtual card
- Krak CardFreePionex CardAvailable
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Pionex CardNot available
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Pionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Krak CardMax: 2%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaPionex CardVisa/Mastercard
- Card formats
- Krak CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Krak CardAvailablePionex CardNot available
- Mobile wallets
- Krak CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthPionex Card$50,000-$100,000/month depending on network
- 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/monthPionex CardNot available
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedPionex CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoPionex CardOther crypto: Supported crypto
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferPionex CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Krak CardGBP, EURPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Pionex Card0.1%
- Max cashback
- Krak Card2%Pionex Card1%
- Reward currency
- Krak CardGBP, EUR, USD or BTCPionex CardUSDT
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYPionex CardUp to 5% APY
- How it works
- Krak CardOptional earn vaultPionex CardEarn on spending balance
- Separate deposit
- Krak CardYesPionex CardNo
- Use balance for spending
- Krak CardNoPionex CardYes
- Lock-up
- Krak CardNot disclosedPionex CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialPionex CardCustodial
- Control until payment
- Krak CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavatePionex CardNot disclosed
- Card processing
- Krak CardStripePionex CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Pionex CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Pionex Card59
- Last reviewed
- Krak CardAug 27, 2026Pionex CardAug 14, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Pionex Card use the same custodial balance setup.
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 Pionex Card reviews first.
Continue with
Krak Card
Continue with
Pionex Card
05 · Common questions
Krak vs Pionex FAQ
Is Krak or Pionex better overall?
Krak Card has the higher Overall Score (74 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Krak Card and Pionex Card use the same custodial balance setup.
How current is this Krak vs Pionex comparison?
The latest information check for these two cards was August 27, 2026, using 85 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.