TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Krak: same score, different trade-offs
Tuyo Card and Krak Card share an Overall Score of 74. Tuyo Card looks stronger for Funds control, while Krak Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 27, 202638 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Tuyo Card and Krak Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallTuyo74Krak74Same score
CashbackTuyo39Krak40Higher score
TravelTuyo42Krak83Higher score
Funds controlTuyo100Krak56Higher score
Lowest feesTuyo71Krak72Higher score
TransfersTuyo72Krak97Higher score
Choose Tuyo Card if funds control matters most
Tuyo Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, 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%
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Tuyo74Krak74
Both cards have the same displayed Overall Score of 74.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXKrak$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Krak0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletKrakCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 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
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTuyo CardOverall74Krak CardOverall74
Tuyo CardOverall74Krak CardOverall74Scores
6 fields- Overall Score
- Tuyo Card74Krak Card74
- Cashback score
- Tuyo Card39Krak Card40
- Travel score
- Tuyo Card42Krak Card83
- Funds control score
- Tuyo Card100Krak Card56
- Lowest fees score
- Tuyo Card71Krak Card72
- Transfers score
- Tuyo Card72Krak Card97
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- Tuyo Card$0Krak Card$0
- FX fee
- Tuyo Card1–3%Krak Card0–1%
- Top-up fee
- Tuyo CardNot disclosedKrak CardNot disclosed
- Card spending fee
- Tuyo Card0%Krak Card0%
- ATM fee
- Tuyo CardNot availableKrak Card0% Krak fee; ATM operator may charge
- Virtual card
- Tuyo CardFreeKrak CardFree
- Physical card
- Tuyo CardComing soon; not currently availableKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- Tuyo CardNot disclosedKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- Tuyo CardNot disclosedKrak CardMax: 2%
Everyday use
8 fields- Network
- Tuyo CardVisaKrak CardMastercard/Visa
- Card formats
- Tuyo CardVirtualKrak CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableKrak CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidKrak CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.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/month
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonKrak CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCKrak CardOther crypto: Supported crypto
- Fiat deposits
- Tuyo CardVirtual-account receivingKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- Tuyo CardStablecoin transfersKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- Tuyo CardNot disclosedKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Krak Card0%
- Max cashback
- Tuyo Card100%Krak Card2%
- Reward currency
- Tuyo CardUSDKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYKrak CardUp to 3.6% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultKrak CardOptional earn vault
- Separate deposit
- Tuyo CardYesKrak CardYes
- Use balance for spending
- Tuyo CardYesKrak CardNo
- Lock-up
- Tuyo CardNot disclosedKrak CardNot disclosed
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyKrak CardCustodial
- Control until payment
- Tuyo CardYou keep controlKrak CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Krak CardStripe
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Krak CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedKrak CardNot disclosed
- Programme operator
- Tuyo CardNot disclosedKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- Tuyo Card12Krak Card26
- Last reviewed
- Tuyo CardAug 5, 2026Krak CardAug 27, 2026
04 · The closer call
Tuyo Card and Krak Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. Krak Card has the lower published FX fee (0–1% vs 1–3%). Both cards show the same base cashback rate of 0%.
Tuyo Card looks stronger for Funds control, while Krak Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers. Tuyo Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance 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 2). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tuyo Card and Krak Card reviews first.
Continue with
Tuyo Card
Continue with
Krak Card
05 · Common questions
Tuyo vs Krak FAQ
Is Tuyo or Krak better overall?
Tuyo Card and Krak Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Tuyo or Krak?
Krak Card has the lower published FX fee (0–1% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo 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 Tuyo and Krak differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Krak comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.