RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs Krak: overall score versus use-case fit
Krak Card has the higher Overall Score by 5 points (74 vs 69). RedotPay Card looks stronger for Cashback, while Krak Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202654 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. RedotPay 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.
OverallRedotPay69Krak74Higher score
CashbackRedotPay41Krak40Higher score
TravelRedotPay83Krak83Same score
Funds controlRedotPay55Krak56Higher score
Lowest feesRedotPay66Krak72Higher score
TransfersRedotPay85Krak97Higher score
Choose RedotPay Card if cashback matters most
RedotPay 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.
- Virtual and physical cards are both available
- Apple Pay and Google Pay support
- Optional Pro plan can add cashback
Choose Krak Card if funds control and lowest fees matter most
Krak Card comes out ahead for 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 monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- RedotPay69Krak74
Krak Card has the higher Overall Score by 5 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXKrak$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 1.2–2%).
- Purchase rewards
- RedotPay0% base · up to 3%Krak0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- RedotPayCustodial balanceKrakCustodial balance
RedotPay Card and Krak Card use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferKrak0 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 4).
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%-3%
- Plan cost
- $0
- FX fee
- 1.2–2%
- ATM fee
- 2–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 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
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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
CardsRedotPay CardOverall69Krak CardOverall74
RedotPay CardOverall69Krak CardOverall74Scores
6 fields- Overall Score
- RedotPay Card69Krak Card74
- Cashback score
- RedotPay Card41Krak Card40
- Travel score
- RedotPay Card83Krak Card83
- Funds control score
- RedotPay Card55Krak Card56
- Lowest fees score
- RedotPay Card66Krak Card72
- Transfers score
- RedotPay Card85Krak Card97
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- RedotPay Card$0Krak Card$0
- FX fee
- RedotPay Card1.2–2%Krak Card0–1%
- Top-up fee
- RedotPay CardNot disclosedKrak CardNot disclosed
- Card spending fee
- RedotPay CardNot disclosedKrak Card0%
- ATM fee
- RedotPay Card2–3%Krak Card0% Krak fee; ATM operator may charge
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentKrak CardFree
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- RedotPay CardPro: 3%Krak CardMax: 2%
Everyday use
8 fields- Network
- RedotPay CardVisaKrak CardMastercard/Visa
- Card formats
- RedotPay CardVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- RedotPay CardAvailableKrak CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- RedotPay CardiOS, AndroidKrak CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- RedotPay CardNot disclosedKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- RedotPay CardNot disclosedKrak 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
- RedotPay CardTRC20, ERC20, BEP20Krak CardNot disclosed
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3Krak CardOther crypto: Supported crypto
- Fiat deposits
- RedotPay CardRedotPay account bank depositKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- RedotPay CardNot disclosedKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- RedotPay Card0%Krak Card0%
- Max cashback
- RedotPay Card3%Krak Card2%
- Reward currency
- RedotPay CardUSDs cashbackKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYKrak CardUp to 3.6% APY
- How it works
- RedotPay CardOptional earn vaultKrak CardOptional earn vault
- Separate deposit
- RedotPay CardYesKrak CardYes
- Use balance for spending
- RedotPay CardNot disclosedKrak CardNo
- Lock-up
- RedotPay CardNot disclosedKrak CardNot disclosed
Trust & availability
5 fields- Custody
- RedotPay CardCustodialKrak CardCustodial
- Control until payment
- RedotPay CardProvider controls fundsKrak CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.Krak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- RedotPay CardRedotPayKrak CardStripe
- Programme operator
- RedotPay CardRed F. Technology LimitedKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- RedotPay Card28Krak Card26
- Last reviewed
- RedotPay CardAug 25, 2026Krak 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 69 for RedotPay Card. Krak Card has the lower published FX fee (0–1% vs 1.2–2%). Both cards show the same base cashback rate of 0%.
RedotPay 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. RedotPay Card and Krak Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 4). 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 RedotPay Card and Krak Card reviews first.
Continue with
RedotPay Card
Continue with
Krak Card
05 · Common questions
RedotPay vs Krak FAQ
Is RedotPay or Krak better overall?
Krak Card has the higher Overall Score (74 vs 69). 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, RedotPay or Krak?
Krak Card has the lower published FX fee (0–1% vs 1.2–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, RedotPay or Krak?
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 RedotPay and Krak differ on custody?
RedotPay Card and Krak Card use the same custodial balance setup.
How current is this RedotPay vs Krak comparison?
The latest information check for these two cards was August 27, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.