KrakKrak
74
Side-by-side card comparison
Krak vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 3 points (77 vs 74). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Funds control.
Information checked Oct 11, 202646 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Krak Card may be the better fit for Travel, Lowest fees, and Transfers. 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.
OverallKrak74Tangem77Higher score
CashbackKrak41Tangem73Higher score
TravelKrak83Tangem63Higher score
Funds controlKrak56Tangem87Higher score
Lowest feesKrak72Tangem52Higher score
TransfersKrak97Tangem65Higher 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 Tangem Card if cashback and funds control matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Krak74Tangem77
Tangem Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceTangemHybrid custody
Krak Card uses a custodial balance setup, while Tangem 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 PayTangemVirtual + 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 SEPATangem2 stablecoins · Stablecoin transfers
Krak Card lists more stablecoins and ways to send money out (5 vs 3).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall74Tangem CardOverall77
Krak CardOverall74Tangem CardOverall77Scores
6 fields- Overall Score
- Krak Card74Tangem Card77
- Cashback score
- Krak Card41Tangem Card73
- Travel score
- Krak Card83Tangem Card63
- Funds control score
- Krak Card56Tangem Card87
- Lowest fees score
- Krak Card72Tangem Card52
- Transfers score
- Krak Card97Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Krak Card$0Tangem Card$0
- FX fee
- Krak Card0–1%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Krak CardNot disclosedTangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Krak Card0%Tangem Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeTangem Card2–4%
- Virtual card
- Krak CardFreeTangem Card$0 for the first virtual card
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Tangem Card2 plans: Basic, Plus
- Top cashback plan
- Krak CardMax: 2%Tangem CardPlus: 2%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaTangem CardVisa
- Card formats
- Krak CardVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableTangem CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- 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/monthTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Krak CardOther crypto: Supported cryptoTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPATangem CardStablecoin transfers
- Payout currencies
- Krak CardGBP, EURTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Tangem Card1%
- Max cashback
- Krak Card2%Tangem Card2%
- Reward currency
- Krak CardGBP, EUR, USD or BTCTangem CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYTangem CardNot offered
- How it works
- Krak CardOptional earn vaultTangem CardNot offered
- Separate deposit
- Krak CardYesTangem CardNot offered
- Use balance for spending
- Krak CardNoTangem CardNot offered
- Lock-up
- Krak CardNot disclosedTangem CardNot offered
Trust & availability
6 fields- Custody
- Krak CardCustodialTangem CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsTangem CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateTangem CardThird National
- Card processing
- Krak CardStripeTangem CardPaera LLC
- Identity verification
- Krak CardNot disclosedTangem CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Tangem CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Tangem Card20
- Last reviewed
- Krak CardAug 27, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 74 for Krak Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Krak Card still comes out ahead for Travel, Lowest fees, and Transfers, 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 Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Krak Card lists more stablecoins and ways to send money out (5 vs 3). 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 Tangem Card reviews first.
Continue with
Krak Card
Continue with
Tangem Card
05 · Common questions
Krak vs Tangem FAQ
Is Krak or Tangem better overall?
Tangem Card has the higher Overall Score (77 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 Tangem?
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 Tangem?
Tangem Card has the higher published base cashback rate (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 Tangem differ on custody?
Krak Card uses a custodial balance setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.