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Monthly fee No monthly fee | Subscription-based tiers |
FX fees Zero FX fees | FX markups outside market hours and plan limits |
Cashback rate Up to 2%1 instant cashback in GBP | 0.1% in RevPoints, not available on all plans |
Salary match Yes, up to 1%2 | |
Multi-currency support | |
Apple Pay / Google Pay | |
ATM withdrawals 150+ | 120+ |
Monthly plans Free | Standard: Free Plus: £3.99 Premium: £7.99 Metal: £14.99 Ultra: £55 |
Best for 150+ | 120+ |
Best for Spenders who value real cashback | Freelancers |
Unlike Revolut, Krak’s core card benefits are not tied to monthly subscription payments
Why Krak Card wins: Revolut’s model may suit users comfortable paying monthly for added perks. Krak appeals more to users who prefer real, instant cashback and transparent pricing without subscription commitments.
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FX fees Zero FX fees | FX markups outside market hours and plan limits |
Exchange rate Label (max 20 chars) | Label (max 20 chars) |
Transactions Free3 | Free |
Monthly fees Zero | Zero |
FX limits Zero | Revolut rate within £1,000/month limit, 1% fee on excess + 1% weekend surcharge |
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Cashback rate Up to 2%1 | |
Cashback currency GBP | RevPoints |
Cashback example Spend: £2,000 = £40 cashback | |
Cashback payout timing Instant | 3 – 10 working days |
Fiat cashback support | |
Subscription required for cashback | |
Cashback payout destination Directly into Krak account | Directly into Revolut account |
Salary match Yes, 1% | |
Salary match example Monthly salary: £5,000 = £50 | |
Best for Those who want cashback and salary match in local currency | International travellers who prefer loyalty points to real cashback |
RevPoints are loyalty points and not a form of money
Why Krak Card wins: Krak positions itself as a unified money app that offers both cashback and salary matching. Revolut focuses on tiered lifestyle benefits, travel perks and subscription-based rewards. For UK customers who want flexibility, real cashback and no fees, Krak Card is the stronger option.
Salary match
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 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.
