MPChatMPChat
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Side-by-side card comparison
MPChat vs Krak
Krak Card has the higher Overall Score by 22 points (74 vs 52). Krak Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202656 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Krak Card
Best fit
- Existing Kraken users whose account balances already count toward rewards.
- Choosing regional fiat or BTC for automatically credited cashback.
- Cash withdrawals with no Krak ATM fee; the operator can still charge.
Before you choose
- Starter pays 0%; ongoing cashback needs a qualifying 30-day average balance.
- Crypto-funded purchases include a variable conversion spread shown in the app.
- U.S. cards charge 1% on foreign transactions; UK and EEA cards charge 0%.
Fees & features
Compare the details
CardsMPChat CardOverall52Krak CardOverall74
MPChat CardOverall52Krak CardOverall74Scores
- Overall Score
- MPChat Card52Krak Card74
- Cashback score
- MPChat Card18Krak Card41
- Travel score
- MPChat Card72Krak Card83
- Funds control score
- MPChat Card41Krak Card56
- Lowest fees score
- MPChat Card60Krak Card72
- Transfers score
- MPChat Card58Krak Card97
Costs
- Plan cost
- MPChat Card$0Krak Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateKrak Card0–1%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardKrak CardNot disclosed
- Card spending fee
- MPChat Card$0.10 + 0.8%Krak Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessKrak Card0% Krak fee; ATM operator may charge
- Virtual card
- MPChat CardCloud: 10 USDT one timeKrak CardFree
- Physical card
- MPChat CardBoundless: 100 USDT one timeKrak CardPlastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardKrak Card10 plans: Starter, Lite, Pro, Elite +6
- Top cashback plan
- MPChat CardNot disclosedKrak CardMax: 2%
- Base cashback
- MPChat CardNot disclosedKrak Card0%
- Max cashback
- MPChat CardNot disclosedKrak Card2%
- Reward currency
- MPChat CardNot disclosedKrak CardGBP, EUR, USD or BTC
Everyday use
- Network
- MPChat CardVisaKrak CardMastercard/Visa
- Card formats
- MPChat CardVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableKrak CardAvailable
- Mobile wallets
- MPChat CardGoogle PayKrak CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedKrak CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Krak CardNot disclosed
- Crypto deposits
- MPChat CardStablecoins: USDTKrak CardOther crypto: Supported crypto
- Fiat deposits
- MPChat CardNot disclosedKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- MPChat CardStablecoin transfersKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- MPChat CardNot disclosedKrak CardGBP, EUR
Earn
- Advertised APY
- MPChat CardNot offeredKrak CardUp to 3.6% APY
- How it works
- MPChat CardNot offeredKrak CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredKrak CardYes
- Use balance for spending
- MPChat CardNot offeredKrak CardNo
- Lock-up
- MPChat CardNot offeredKrak CardNot disclosed
Trust & availability
- Custody
- MPChat CardCustodialKrak CardCustodial
- Control until payment
- MPChat CardProvider controls fundsKrak CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- MPChat CardNot disclosedKrak CardStripe
- Programme operator
- MPChat CardNot disclosedKrak CardPayward Wallet, Inc.
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Krak Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Krak
Matching the card to your plans
MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance. Krak: Existing Kraken users whose account balances already count toward rewards.
Conditions that change the choice
MPChat: Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX. Krak: Starter pays 0%; ongoing cashback needs a qualifying 30-day average balance.
Common questions
MPChat vs Krak FAQ
Is MPChat or Krak better overall?
Krak Card has the higher Overall Score (74 vs 52). 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, MPChat or Krak?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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, MPChat or Krak?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Krak differ on custody?
MPChat Card and Krak Card use the same custodial balance setup.
How current is this MPChat vs Krak comparison?
The latest information check for these two cards was November 12, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.