KrakKrak
74
Side-by-side card comparison
Krak vs Solayer Pay: fees, rewards and account setup
Krak Card has the higher Overall Score by 19 points (74 vs 55). Krak Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 27, 202651 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. Solayer Pay 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.
OverallKrak74Solayer Pay55Higher score
CashbackKrak40Solayer Pay20Higher score
TravelKrak83Solayer Pay53Higher score
Funds controlKrak56Solayer Pay47Higher score
Lowest feesKrak72Solayer Pay43Higher score
TransfersKrak97Solayer Pay29Higher score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, 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 Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Krak74Solayer Pay55
Krak Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Krak Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Krak0% base · up to 2%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceSolayer PayCustodial balance
Krak Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + 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 SEPASolayer Pay1 stablecoin · Not modeled
Krak Card lists more stablecoins and ways to send money out (5 vs 1).
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
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall74Solayer Pay CardOverall55
Krak CardOverall74Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Krak Card74Solayer Pay Card55
- Cashback score
- Krak Card40Solayer Pay Card20
- Travel score
- Krak Card83Solayer Pay Card53
- Funds control score
- Krak Card56Solayer Pay Card47
- Lowest fees score
- Krak Card72Solayer Pay Card43
- Transfers score
- Krak Card97Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Krak Card$0Solayer Pay Card$20/year
- FX fee
- Krak Card0–1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Krak CardNot disclosedSolayer Pay Card1%
- Card spending fee
- Krak Card0%Solayer Pay Card$0.15
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeSolayer Pay CardNot disclosed
- Virtual card
- Krak CardFreeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Solayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Krak CardMax: 2%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaSolayer Pay CardVisa
- Card formats
- Krak CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/daySolayer Pay CardShown in app
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthSolayer Pay 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/monthSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferSolayer Pay CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPASolayer Pay CardNot disclosed
- Payout currencies
- Krak CardGBP, EURSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Solayer Pay Card0%
- Max cashback
- Krak Card2%Solayer Pay CardNot disclosed
- Reward currency
- Krak CardGBP, EUR, USD or BTCSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Krak CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Krak CardYesSolayer Pay CardNo
- Use balance for spending
- Krak CardNoSolayer Pay CardYes
- Lock-up
- Krak CardNot disclosedSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Krak CardCustodialSolayer Pay CardCustodial
- Control until payment
- Krak CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateSolayer Pay CardThird National
- Card processing
- Krak CardStripeSolayer Pay CardNot disclosed
- Identity verification
- Krak CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Solayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Krak Card26Solayer Pay Card25
- Last reviewed
- Krak CardAug 27, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 55 for Solayer Pay Card. Krak Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card and Solayer Pay Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 1). 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 Solayer Pay Card reviews first.
Continue with
Krak Card
Continue with
Solayer Pay Card
05 · Common questions
Krak vs Solayer Pay FAQ
Is Krak or Solayer Pay better overall?
Krak Card has the higher Overall Score (74 vs 55). 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 Solayer Pay?
Krak Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
Both cards show the same base cashback rate of 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 Solayer Pay differ on custody?
Krak Card and Solayer Pay Card use the same custodial balance setup.
How current is this Krak vs Solayer Pay comparison?
The latest information check for these two cards was August 27, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.