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

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

The table below summarizes the core features of each card so you can compare at a glance.
Krak Logo
Krak Card
Starling logo
Starling
Monthly fee
Free
Free
Cashback rewards
Up to 2%1
Salary match
Yes, up to 1%2
Number of supported assets
150+
GBP only
(EUR via separate Euro account)
Apple Pay / Google Pay
ATM withdrawals
Free worldwide3
Free worldwide
(third-party fees may apply)
FX rate
Premium/Metal tier
Metal Card available
(avg £50,000 in combined assets)
Best for
Cashback seekers and multi-currency spenders
Fee-free everyday banking and travel
If you’re looking for additional tools to manage your finances, check out our guides to the best wallet and exchange options.
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Krak Card vs Starling:
who is cheaper?

The table below details how the two cards compare on the costs that affect your bottom line, from foreign exchange charges to monthly subscriptions.
Krak Logo
Krak Card
Starling logo
Starling
Monthly fees
Free
Free
FX fees
FX fees on card payments
Mastercard rate
0.2–1.5%4
Mastercard rate
0.2–1.5%
Exchange rate transparency
Available in app
Available in app
Best for
Earning while you spend at zero cost
Simple fee-free spending
Planning to send money abroad? Read our comparison of the best international money transfer services and learn more about international transactions.
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Cashback and rewards comparison

Cashback is one of the biggest differentiators between Krak Card and Starling. The table below breaks down how their reward programs compare.
Krak Logo
Krak Card
Starling logo
Starling
Cashback support
Cashback rate
Up to 2%
Cashback currency
GBP
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 instant cashback on daily purchases
Users who don’t prioritize cashback

Cashback example: If you spend £2,000 a month on groceries, transport, and subscriptions, Krak Card puts up to £40 straight back into your account every month. Over a year, that’s a potential £480 earned without changing your spending habits.

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Monthly cashback simulator

At

Krak Card

Starling

1 month

£40.00

£0.00

6 months

£240.00

£0.00

1 year

£480.00

£0.00

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Krak Card vs Starling debit card

Which card is better for UK customers?

If you want a simple, no-frills current account with strong budgeting tools, Starling is a good option. But the Krak Card offers more value for UK customers who want instant cashback, salary match and zero-fee payments.
Better for international spenders
dot
Better for cashback
dot

Better for salary match

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Which card is better for UK customers?

If you want a simple, no-frills current account with strong budgeting tools, Starling is a good option. But the Krak Card offers more value for UK customers who want instant cashback, salary match and zero-fee payments.
dot
Better for international spenders
dot
Better for cashback
dot
Better for salary match
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FAQs

Yes. Krak Card works anywhere Mastercard is accepted, so you can use it to pay for streaming services, monthly subscriptions, and recurring bills just like any other debit card.

Starling’s Spaces feature lets you ring-fence money for bills, savings goals, and everyday spending, making it a strong budgeting tool. Krak Card offers transaction tracking and spending visibility in the app.

Krak Card. With up to 2% cashback, every trip to the supermarket, coffee shop, or gas station earns you money back. Starling offers a clean spending experience with zero fees, but without built-in cashback, you’re not earning anything extra on your everyday purchases.

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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.
1Rate depends on average assets held with Krak, Kraken and Kraken Pro. apply. See for more info.
2Eligible 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.
3Krak: Based on calculations from across currency pairs (25 March 2026). Rate varies depending on currencies and time.
4A variable spread applies when spending across assets. Third-party ATM fees may apply.
5Geo 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.