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Krak Card vs Barclays debit card: fees, cashback & rewards compared

See how Krak Card stacks up against the Barclays debit card on FX fees, cashback, and everyday spending
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Feature comparison

The table below highlights the core features of Krak Card and Barclays’ Standard debit card so you can compare them at a glance.
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Krak Card
Barclays logo
Barclays
Monthly fee
Free
Free on Standard
Cashback rewards
Up to 2%1
Salary match
Yes, up to 1%2
Number of supported assets
150+
GBP
(EUR and USD via Travel Wallet)
Apple Pay / Google Pay
ATM withdrawals
Free worldwide3
Free in UK
Abroad: 2.99% fee + £1.50 at non-Global Alliance ATMs
FX fees
2.99%
Premium/Metal tier
Metal Card available
(avg £50,000 in combined assets)
HSBC Premier
(£75,000+ income or £100,000+ savings/investments)
Best for
Cashback seekers and fee-free international spenders
Traditional UK banking with branch access
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Krak Card vs Barclays debit card:
who is cheaper?

Both cards are free to hold on a day-to-day basis, but the cost gap widens significantly when you spend abroad or want to earn rewards. Here’s how fees and charges compare.
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Krak Card
Barclays logo
Barclays
Monthly fees
Free
Free on Standard
FX fees
2.99%
FX fees on card payments
Mastercard rate
0.2–1.5%4
Visa rate
0.2–1.5%
Exchange rate transparency
Available in app
Available in E-banking
Best for
Saving money on every international purchase
Domestic UK spending with traditional banking support
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Cashback and rewards comparison

Cashback is one of the most important factors when choosing a debit card for everyday spending. The table below details how Krak Card and Barclays’s Standard debit card compare on rewards.
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Krak Card
Barclays logo
Barclays
Cashback support
Cashback rate
Up to 2%
Cashback currency
GBP
(or other supported currencies)
Subscription required for cashback
N/A
Cashback payout destination
Krak account balance
N/A
Cashback payout timing
Instant at settlement
N/A
Monthly spend example
£2,000 spend = up to £40 cashback
None
Best for
Earning real, automatic cashback on daily purchases
Users who don’t prioritize debit card rewards

Cashback in action: Spend £2,000 per month using Krak Card and you’ll earn up to £40 in cashback — that’s potentially £480 per year. 

Now consider spending that same £2,000 abroad: with Barclays, you’d pay approximately £60 in non-sterling transaction fees alone. With Krak Card, you’d pay £0 in fees and earn up to £40 back. That’s a possible £100 monthly difference.

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Monthly cashback simulator

At

Krak Card

Barclays

1 month

£40.00

£0.00

6 months

£240.00

£0.00

1 year

£480.00

£0.00

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At a glance

Find out which card is better suited to your specific needs using the table below.
The bottom line
The bottom line
Best for international spending
Krak Card. No FX fees and global ATM withdrawals with no Krak fees make it the stronger choice for travel. Krak Concierge boosts travel cashback to 4% via the card and 6% via the app, with up to 60% discount on hotel bookings with up to 60% discount on hotel bookings.5
Best for cashback
Krak Card. With up to 2% cashback on eligible purchases and no monthly cap, it’s one of the most rewarding debit cards available in the UK.
Best for salary match
Krak. You can receive up to 1% match when you deposit your salary in Krak.
Best for everyday spending
Krak Card. Barclays doesn’t offer native cashback, so Krak Card is the clear winner for anyone who wants to earn on every purchase.
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Krak Card vs Barclays debit card

Which card is better for UK customers?

If cashback, zero fees, and multi-currency flexibility are priorities, Krak Card delivers significantly more value. If you need a full-service banking relationship with branch access, overdrafts, and integrated financial products, Barclays remains a solid choice for your primary UK bank account.
International spending
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Cashback
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Salary match

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Which card is better for UK customers?

If cashback, zero fees, and multi-currency flexibility are priorities, Krak Card delivers significantly more value. If you need a full-service banking relationship with branch access, overdrafts, and integrated financial products, Barclays remains a solid choice for your primary UK bank account.
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International spending
dot
Cashback
dot
Salary match
Reserve your card

FAQs

Both cards offer strong security. Barclays provides 24/7 fraud monitoring, Chip and PIN, and in-app card controls. Krak Card also offers real-time fraud monitoring, instant card freeze and unfreeze, and 24/7 in-app support. Both are backed by Mastercard or Visa network protections, so you’re well covered with either card.

Yes. Krak Card is a Mastercard debit card accepted at over 110 million merchants in 190+ countries worldwide. That gives it the same level of in-store and online acceptance as a Barclays Visa debit card.

Anyone who wants to earn cashback on everyday purchases, avoid foreign transaction fees, or spend across multiple currencies. If you travel regularly, shop internationally, or simply want your spending to earn up to 2% back on every purchase at home or abroad, Krak Card offers clear advantages over a standard Barclays debit card.

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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.
1 Rate depends on average assets held with Krak, Kraken and Kraken Pro. apply. See for more info.
2 Eligible clients in the UK only. T&Cs apply. Min. cumulative transfer(s) of £2,500 (max 4 payments) from employer payroll; exclusions apply. Rewards credited monthly as determined by Krak; max £250/month. 1% promotional rate not guaranteed; applies until 01/05/26, then depends on average assets held with Krak, Kraken and Kraken Pro. Kraken may amend, suspend, or end the promotion. Tax may apply. E-money services are not protected under the Financial Services Compensation Scheme. Reward value may fluctuate if held or converted into other assets.
3 A variable spread applies when spending across assets. Third-party ATM fees may apply.
4 Krak: Based on calculations from across currency pairs (25 March 2026). Rate varies depending on currencies and time.
5 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. Seeour fee schedule for details. Krak may receive a commission from EH on completed stays.