This is Metal

Unlock maximum cashback and a stainless steel card by holding assets across Krak, Kraken and Kraken Pro.

The TL;DR

The Krak Metal Card is your passport to maximum cashback — an industry-leading amount of up to 2%, uncapped, paid out in GBP.

Weighing in at 16g of precision-milled stainless steel, Metal is free. All you need is a 30-day average of £50,000 or more in assets held across Krak, Kraken and/or Kraken Pro.

Cashback, turbocharged

With Metal, you get the best that Krak has to offer: maxed-out cashback, increased spending limits and higher ATM withdrawals.

With up to 2% back on every purchase, it's the easiest way to reduce your day-to-day costs with GBP paid back to you. Best of all? It's completely free — with no subscription fees or staking requirements to access our best benefits.

Here's what you can expect in annual rewards based on your monthly spend.

Feature	Metal (2% cashback) Metal (2% cashback)	Tier 2 (1.5% cashback) Tier 2	Tier 3 (1% cashback) Tier 3	Tier 4 (0.5% cashback) Tier 4
£3,000/mo	£3,000/mo £720	£540	£360	£180
£5,000/mo	£5,000/mo £1,200	£900	£600	£300
£10,000/mo	£10,000/mo £2,400	£1,800	£1,200	£600

How to get the Krak Metal Card

To get Metal, you just need to hold £50,000 (based on a 30-day average) in assets across Krak, Kraken and Kraken Pro.

We'll notify you (via the app and by email) as soon as you qualify.

When you hit this number, head to the Card tab in the Krak app, and select Get a Metal Card. We'll get the physical card to you within two weeks — but you can start spending with Apple Pay or Google Pay immediately.

No lockups

Where Metal stands out versus similar premium offerings is that it requires no commitment: your account balances remain yours — ready to spend or move at a moment's notice.

And if your 30-day average drops below the threshold, don't worry about it: you can keep your Metal card, but your limits will adjust to those of lower tiers.

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

How Metal stacks up

Below, we compare some of the highest-tier offerings in the UK market:

Feature	Krak Metal Krak Metal	Monzo Max¹ Monzo Max	Revolut Metal² Revolut Metal
Monthly fee	Monthly fee £0	£17	£14.99
Cashback	Cashback Up to 2% (uncapped)	On select partners	0.8% (Revolut Pro only)
Boosted cashback?	Boosted cashback? 4-6% (Krak Concierge)	On select partners
Free monthly ATM withdrawals	Free monthly ATM withdrawals Unlimited (£4,000 limit)	Unlimited (£600 non-UK/EEA)	Unlimited (£800 limit)

Frequently asked questions (FAQs)

How to get the Krak Metal Card?

The Krak Metal Card can be ordered via the Krak app.

How do I qualify for the Krak Metal Card?

The Krak Card is available to users of Krak, Kraken and Kraken Pro who hold a combined balance of £50,000 in assets across these platforms.

How is the Krak Metal Card different from the standard Krak Card?

Forged in precision-milled stainless steel, the Krak Metal Card weighs in at 16g. With Metal, you unlock the maximum cashback rate of 2%, and benefit from increased thresholds on ATM withdrawals and daily/monthly spending.

Is the Krak Metal Card worth it?

The Krak Metal Card is free: all you need to do is hold assets totalling €/£50,000 across Krak, Kraken, and/or Kraken Pro.

¹Monzo (March 2026)

²Revolut (March 2026)

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.

A variable spread applies when spending across assets. Third-party ATM fees may apply.

Rate depends on average assets held with Krak, Kraken and Kraken Pro. Geo restrictions and T&Cs apply. See Support Center for more info.

Spending crypto may be a taxable event, as conversion to fiat can create capital gains or losses. Consult a tax advisor for your individual circumstances. Learn more.

Cashback is generally not taxable. Consult a tax advisor for your circumstances. Learn more.

Geo restrictions apply. Krak Concierge processes bookings via Entravel Holdings Ltd. ("EH"). Krak is not a travel agent and the merchant of record for bookings. Prices, taxes and fees are set by the provider. Cancellations/refunds follow the hotel and/or EH policy. Instant buy/sell fees apply and are shown when converting one asset or currency before making a transfer. See our fee schedule for details. Krak may receive a commission from EH on completed stays.