KrakKrak
74
Side-by-side card comparison
Krak vs Plasma One: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 13 points (87 vs 74). Krak Card looks stronger for Travel, while Plasma One Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202638 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Krak Card may be the better fit for Travel. 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.
OverallKrak74Plasma One87Higher score
CashbackKrak40Plasma One78Higher score
TravelKrak83Plasma One72Higher score
Funds controlKrak56Plasma One99Higher score
Lowest feesKrak72Plasma One80Higher score
TransfersKrak97Plasma One100Higher score
Choose Krak Card if travel matters most
Krak Card comes out ahead for Travel 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 Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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
- Krak74Plasma One87
Plasma One Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXPlasma One$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- KrakCustodial balancePlasma OneSelf-controlled wallet
Krak Card uses a custodial balance setup, while Plasma One 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 PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Plasma One 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall74Plasma One CardOverall87
Krak CardOverall74Plasma One CardOverall87Scores
6 fields- Overall Score
- Krak Card74Plasma One Card87
- Cashback score
- Krak Card40Plasma One Card78
- Travel score
- Krak Card83Plasma One Card72
- Funds control score
- Krak Card56Plasma One Card99
- Lowest fees score
- Krak Card72Plasma One Card80
- Transfers score
- Krak Card97Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balancePlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Krak Card$0Plasma One Card$0
- FX fee
- Krak Card0–1%Plasma One Card0–1%
- Top-up fee
- Krak CardNot disclosedPlasma One Card0%
- Card spending fee
- Krak Card0%Plasma One CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargePlasma One CardNot available
- Virtual card
- Krak CardFreePlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Plasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Krak CardMax: 2%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaPlasma One CardVisa
- Card formats
- Krak CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailablePlasma One CardNot available
- Mobile wallets
- Krak CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayPlasma One CardShown in app
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthPlasma One CardShown in app
- 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/monthPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Krak CardOther crypto: Supported cryptoPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Krak CardGBP, EURPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Krak Card0%Plasma One Card2%
- Max cashback
- Krak Card2%Plasma One Card10%
- Reward currency
- Krak CardGBP, EUR, USD or BTCPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYPlasma One CardUp to 5% APY
- How it works
- Krak CardOptional earn vaultPlasma One CardOptional earn vault
- Separate deposit
- Krak CardYesPlasma One CardYes
- Use balance for spending
- Krak CardNoPlasma One CardNo
- Lock-up
- Krak CardNot disclosedPlasma One CardNo
Trust & availability
7 fields- Custody
- Krak CardCustodialPlasma One CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavatePlasma One CardRain, Third National
- Card processing
- Krak CardStripePlasma One Card0x
- Custody / key management
- Krak CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Krak CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Krak CardPayward Wallet, Inc.Plasma One CardPlasma
Sources
2 fields- Official sources
- Krak Card26Plasma One Card12
- Last reviewed
- Krak CardAug 27, 2026Plasma One CardAug 27, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 74 for Krak Card. Krak Card has the lower published FX fee (0–1% vs 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 0%).
Krak Card still comes out ahead for Travel, 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 Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Plasma One 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 Plasma One Card reviews first.
Continue with
Krak Card
Continue with
Plasma One Card
05 · Common questions
Krak vs Plasma One FAQ
Is Krak or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 vs 74). 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 Plasma One?
Krak Card has the lower published FX fee (0–1% 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Krak Card uses a custodial balance setup, while Plasma One 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 Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.