KrakKrak
74
Side-by-side card comparison
Krak vs Xapo: overall score versus use-case fit
Krak Card has the higher Overall Score by 4 points (74 vs 70). Krak Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202647 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. Xapo Card may be the better fit for Travel, Funds control, 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.
OverallKrak74Xapo70Higher score
CashbackKrak40Xapo24Higher score
TravelKrak83Xapo91Higher score
Funds controlKrak56Xapo63Higher score
Lowest feesKrak72Xapo77Higher score
TransfersKrak97Xapo100Higher score
Choose Krak Card if cashback matters most
Krak 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Xapo Card if travel and funds control matter most
Xapo 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 Xapo FX markup
- Account-backed bank and crypto rails
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
- Krak74Xapo70
Krak Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXXapo$1,000/year plan · 0–0.29% FX
Krak Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Krak0% base · up to 2%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceXapoCustodial balance
Krak Card and Xapo Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Krak Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall74Xapo CardOverall70
Krak CardOverall74Xapo CardOverall70Scores
6 fields- Overall Score
- Krak Card74Xapo Card70
- Cashback score
- Krak Card40Xapo Card24
- Travel score
- Krak Card83Xapo Card91
- Funds control score
- Krak Card56Xapo Card63
- Lowest fees score
- Krak Card72Xapo Card77
- Transfers score
- Krak Card97Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Krak Card$0Xapo Card$1,000/year
- FX fee
- Krak Card0–1%Xapo Card0–0.29%
- Top-up fee
- Krak CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Krak Card0%Xapo Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeXapo Card0–2%
- Virtual card
- Krak CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Krak CardMax: 2%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaXapo CardVisa/Mastercard
- Card formats
- Krak CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableXapo CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Krak CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthXapo Card$250,000 monthly under the Visa Europe programme
- 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/monthXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Krak CardGBP, EURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Xapo Card0%
- Max cashback
- Krak Card2%Xapo Card3%
- Reward currency
- Krak CardGBP, EUR, USD or BTCXapo CardBTC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYXapo CardUp to 3.35% APY
- How it works
- Krak CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Krak CardYesXapo CardNo
- Use balance for spending
- Krak CardNoXapo CardYes
- Lock-up
- Krak CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- Krak CardCustodialXapo CardCustodial
- Control until payment
- Krak CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateXapo CardTransact Payments Malta Limited
- Card processing
- Krak CardStripeXapo CardNot disclosed
- Bank transfers
- Krak CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Krak CardPayward Wallet, Inc.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Xapo Card21
- Last reviewed
- Krak CardAug 27, 2026Xapo CardSep 1, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 70 for Xapo Card. Krak Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Xapo Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Krak Card
Continue with
Xapo Card
05 · Common questions
Krak vs Xapo FAQ
Is Krak or Xapo better overall?
Krak Card has the higher Overall Score (74 vs 70). 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 Xapo?
Krak Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Krak Card and Xapo Card use the same custodial balance setup.
How current is this Krak vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.