MPChatMPChat
52
Side-by-side card comparison
MPChat vs Krak: where the score gap comes from
Krak Card has the higher Overall Score by 22 points (74 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202656 official sources reviewed
01 · Where the gap opens
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallMPChat52Krak74Higher score
CashbackMPChat18Krak41Compare the details below
TravelMPChat72Krak83Compare the details below
Funds controlMPChat41Krak56Compare the details below
Lowest feesMPChat60Krak72Compare the details below
TransfersMPChat58Krak97Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Krak Card if its day-to-day setup suits you
Krak Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Krak74
Krak Card has the higher Overall Score by 22 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXKrak$0 plan · 0–1% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%).
- Purchase rewards
- MPChatNot disclosedKrak0% base · up to 2%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceKrakCustodial balance
MPChat Card and Krak Card use the same custodial balance setup.
- Everyday access
- MPChatVirtual + Physical · Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
Krak Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Krak Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Krak CardOverall74
MPChat CardOverall52Krak CardOverall74Scores
6 fields- 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
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- MPChat Card$0Krak Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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$0.15 + 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; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- MPChat CardNot disclosedKrak CardMax: 2%
Everyday use
8 fields- 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
5 fields- 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
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedKrak Card0%
- Max cashback
- MPChat CardNot disclosedKrak Card2%
- Reward currency
- MPChat CardNot disclosedKrak CardGBP, EUR, USD or BTC
Earn
5 fields- 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
5 fields- 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.
Sources
2 fields- Official sources
- MPChat Card30Krak Card26
- Last reviewed
- MPChat CardSep 23, 2026Krak CardAug 27, 2026
04 · The verdict
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card and Krak Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 2). 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 MPChat Card and Krak Card reviews first.
Continue with
MPChat Card
Continue with
Krak Card
05 · 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; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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 September 23, 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.