KrakKrak
74
Side-by-side card comparison
Krak vs XPlace: overall score versus use-case fit
Krak Card has the higher Overall Score by 6 points (74 vs 68). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while XPlace Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202652 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. XPlace Card may be the better fit for Cashback and Funds control. 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.
OverallKrak74XPlace68Higher score
CashbackKrak40XPlace49Higher score
TravelKrak83XPlace61Higher score
Funds controlKrak56XPlace67Higher score
Lowest feesKrak72XPlace69Higher score
TransfersKrak97XPlace62Higher 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 XPlace Card if cashback and funds control matter most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Krak74XPlace68
Krak Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXXPlace$0 plan · 0–1% 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%XPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- KrakCustodial balanceXPlaceHybrid custody
Krak Card uses a custodial balance setup, while XPlace 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 PayXPlaceVirtual + 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 SEPAXPlace2 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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 CardOverall74XPlace CardOverall68
Krak CardOverall74XPlace CardOverall68Scores
6 fields- Overall Score
- Krak Card74XPlace Card68
- Cashback score
- Krak Card40XPlace Card49
- Travel score
- Krak Card83XPlace Card61
- Funds control score
- Krak Card56XPlace Card67
- Lowest fees score
- Krak Card72XPlace Card69
- Transfers score
- Krak Card97XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Krak Card$0XPlace Card$0
- FX fee
- Krak Card0–1%XPlace Card0–1%
- Top-up fee
- Krak CardNot disclosedXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Krak Card0%XPlace Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeXPlace CardNot available
- Virtual card
- Krak CardFreeXPlace CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1XPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Krak CardMax: 2%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaXPlace CardVisa
- Card formats
- Krak CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableXPlace CardNot available
- Mobile wallets
- Krak CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 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/monthXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedXPlace CardSolana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoXPlace CardStablecoins: USDC
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferXPlace CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAXPlace CardStablecoin transfers
- Payout currencies
- Krak CardGBP, EURXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%XPlace Card0.5%
- Max cashback
- Krak Card2%XPlace Card4%
- Reward currency
- Krak CardGBP, EUR, USD or BTCXPlace CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYXPlace CardUp to 6.15% APY
- How it works
- Krak CardOptional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Krak CardYesXPlace CardYes
- Use balance for spending
- Krak CardNoXPlace CardNo
- Lock-up
- Krak CardNot disclosedXPlace CardNo
Trust & availability
6 fields- Custody
- Krak CardCustodialXPlace CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateXPlace CardThird National
- Card processing
- Krak CardStripeXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Krak CardNot disclosedXPlace CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.XPlace CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26XPlace Card26
- Last reviewed
- Krak CardAug 27, 2026XPlace CardAug 27, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 68 for XPlace Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. XPlace Card has the higher published base cashback rate (0.5% vs 0%).
XPlace Card still comes out ahead for Cashback and Funds control, 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 XPlace 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 XPlace Card reviews first.
Continue with
Krak Card
Continue with
XPlace Card
05 · Common questions
Krak vs XPlace FAQ
Is Krak or XPlace better overall?
Krak Card has the higher Overall Score (74 vs 68). 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 XPlace?
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 XPlace?
XPlace Card has the higher published base cashback rate (0.5% 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 XPlace differ on custody?
Krak Card uses a custodial balance setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.