KrakKrak
74
Side-by-side card comparison
Krak vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 3 points (77 vs 74). Krak Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202669 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Krak Card may be the better fit for Cashback. 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.
OverallKrak74ZEN77Higher score
CashbackKrak40ZEN39Higher score
TravelKrak83ZEN96Higher score
Funds controlKrak56ZEN65Higher score
Lowest feesKrak72ZEN80Higher score
TransfersKrak97ZEN98Higher 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 ZEN Card if travel and funds control matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
- Krak74ZEN77
ZEN Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%ZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceZENCustodial balance
Krak Card and ZEN Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayZENVirtual + 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 SEPAZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Both cards list the same number of stablecoins and ways to send money out.
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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 CardOverall74ZEN CardOverall77
Krak CardOverall74ZEN CardOverall77Scores
6 fields- Overall Score
- Krak Card74ZEN Card77
- Cashback score
- Krak Card40ZEN Card39
- Travel score
- Krak Card83ZEN Card96
- Funds control score
- Krak Card56ZEN Card65
- Lowest fees score
- Krak Card72ZEN Card80
- Transfers score
- Krak Card97ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Krak Card$0ZEN Card$0
- FX fee
- Krak Card0–1%ZEN Card0–0.5%
- Top-up fee
- Krak CardNot disclosedZEN Card0–3%
- Card spending fee
- Krak Card0%ZEN Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeZEN Card0–1.5%
- Virtual card
- Krak CardFreeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1ZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Krak CardMax: 2%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaZEN CardMastercard/Visa
- Card formats
- Krak CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableZEN CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthZEN CardNot publicly confirmed
- 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/monthZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedZEN CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Krak CardGBP, EURZEN CardEUR
Rewards
3 fields- Base cashback
- Krak Card0%ZEN Card0%
- Max cashback
- Krak Card2%ZEN CardNot disclosed
- Reward currency
- Krak CardGBP, EUR, USD or BTCZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYZEN CardNot offered
- How it works
- Krak CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Krak CardYesZEN CardNot offered
- Use balance for spending
- Krak CardNoZEN CardNot offered
- Lock-up
- Krak CardNot disclosedZEN CardNot offered
Trust & availability
6 fields- Custody
- Krak CardCustodialZEN CardCustodial
- Control until payment
- Krak CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateZEN CardUAB ZEN.COM
- Card processing
- Krak CardStripeZEN CardNot disclosed
- Deposits & withdrawals
- Krak CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Programme operator
- Krak CardPayward Wallet, Inc.ZEN CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26ZEN Card43
- Last reviewed
- Krak CardAug 27, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 74 for Krak Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). Both cards show the same base cashback rate of 0%.
Krak Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Krak Card and ZEN Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 ZEN Card reviews first.
Continue with
Krak Card
Continue with
ZEN Card
05 · Common questions
Krak vs ZEN FAQ
Is Krak or ZEN better overall?
ZEN 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 ZEN?
ZEN Card has the lower published FX fee (0–0.5% 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 ZEN?
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 ZEN differ on custody?
Krak Card and ZEN Card use the same custodial balance setup.
How current is this Krak vs ZEN comparison?
The latest information check for these two cards was August 27, 2026, using 69 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.