Withdraw cash in a flash.

Need cash? Just hit your nearest ATM for fee-free^† withdrawals.

Get my Krak Card

The TL;DR

The Krak Card offers fee-free ATM withdrawals worldwide.^†

Withdraw up to £750 a day (or up to £4,000/mo).

Fee-free ATM withdrawals in 190+ countries

Wherever there’s a Mastercard-supported ATM, there’s an easy way for you to access cash.

Krak charges no fees on your withdrawals.^† Just look out for ATM provider fees, as we have no control over them.

How Krak compares to Monzo, Revolut and Wise on foreign ATM withdrawals

Below, we compare the (free) tiers of leading UK card providers, assuming a week abroad with four ATM withdrawals (at £200 per, totalling £800 in non-GBP currency).

Feature	Krak Krak	Monzo (Standard)¹ Monzo (Standard)	Revolut (Standard)² Revolut (Standard)	Wise (Standard)³ Wise (Standard)
Number of free withdrawals (outside UK/EEA)	Number of free withdrawals (outside UK/EEA) Unlimited (£4,000/mo)	£200/mo	5 withdrawals (or £200)	2 withdrawals (or £200)
Subsequent withdrawal fee	Subsequent withdrawal fee No further withdrawals	3%	2% (min £1)	1.75% + £0.50

What's immediately clear here is how expensive the popular “fixed withdrawal” model can be. Users of platforms with a fixed number of withdrawals or limited GBP amount need to be cautious in their activities to avoid racking up fees.

Indeed, restrictive ATM withdrawal caps aren't all you need to watch out for: FX fees can kick in when you withdraw abroad (but not for Krak):

Feature	Krak Krak	Monzo (Standard)¹ Monzo (Standard)	Revolut (Standard)² Revolut (Standard)	Wise (Standard)³ Wise (Standard)
Currency conversion cost	Currency conversion cost Free	Free	Free (£1,000 limit)	Free
Weekend surcharge	Weekend surcharge		Standard markup + up to 1%

All in, these seemingly minuscule percentages can add up, resulting in double-digit fees on withdrawals.

Feature	Krak Krak	Monzo (Standard)¹ Monzo (Standard)	Revolut (Standard)² Revolut (Standard)	Wise (Standard)³ Wise (Standard)
Fee on £800 non-GBP withdrawals	Fee on £800 non-GBP withdrawals ~£0.73⁴ (Mastercard fee only)	~£18.73 (3% on £600 + Mastercard fee)	~£12⁵ (2% on £600)	£11.50⁵ (1.75% on £600 + 2×£0.50)

While these limits can be raised with paid plans from other providers, few actually remove them altogether. Krak delivers a worthy, free^† alternative which caters to even the most frequent of travellers — with only Mastercard’s fee charged.

Did you know?

Your non-GBP spends incur zero added fees.^† Krak passes Mastercard’s rate directly to you.

Learn more

Fee-free withdrawals^†

Krak provides some of the most generous ATM withdrawal limits in the UK market (with zero fees attached,^† at home or abroad).

Single transaction

£250

Daily withdrawal limit

£750

Monthly withdrawal limit

£4,000

Stay on top of your spending

Track your daily & monthly withdrawal limits via the Krak app.

Boost your limits

Unlock higher withdrawals by holding assets across Krak, Kraken and Kraken Pro.

Luxury travel via Krak Concierge

Metal holders gain access to our elite travel service: Krak Concierge.

Get members-only pricing on luxury stays at over 1m hotels globally — and make your money work harder with a boosted rate of 4-6% cashback when you do.

Visit Krak Concierge

FAQs

What are the withdrawal limits for the Krak Card?

Withdrawal limits depend on your region and local currency. You can check your current limits via the app.

What is Dynamic Currency Conversion (DCC)?

Dynamic Currency Conversion (DCC) is an option an ATM provider or point-of-sale device will sometimes provide when you go to withdraw cash or make a payment abroad. It will allow you to pay directly in the native currency (i.e., GBP) rather than the foreign one.

This may seem convenient, but it rarely is: you’re subject to the conversion fees of this device, which are often higher than if you just pay in the foreign currency (where you’ll get the Mastercard rate, without markups).

Can I use any ATM to withdraw money?

Provided an ATM supports Mastercard, it can be used. Note, however, that third-party machines may charge a fee, even though we don't.

¹Monzo (March 2026)

²Revolut (March 2026)

³Wise (March 2026)

⁴Rate based on difference provided between the ECB rate and that of the Mastercard calculator for a withdrawal of £800 to EUR (23 March 2026)

⁵Excludes markup from Revolut/Wise’s rate

Not investment advice. Crypto trading involves risk of loss. Krak Card is issued by Monavate Limited, authorised by the FCA to issue electronic money and payment services (FRN: 901097). Payward Services Limited is authorised by the FCA to carry on electronic money activities and payment services under the E-Money Regulations 2011 (FRN: 1010381). Cryptoasset exchange and custody services are offered by Payward Ltd, registered as a cryptoasset firm with the FCA (FRN: 928768). These services are unregulated and not covered by the Financial Services Compensation Scheme. Cryptoasset values can go down as well as up and gains may be subject to Capital Gains Tax. This content is for general information only and is not investment advice or a recommendation to buy, sell, stake or hold any cryptoasset.

Availability varies by jurisdiction.

^†A variable spread will apply when spending across assets. Third-party ATM fees may apply.