Send money to anyone, anywhere – instantly

For free. No catches. Krak it.

Download Krak
Krak app
Krak app icon

Free your money from borders and bank delays. Send it anywhere instantly, with zero fees.

Download Krak
Download Krak

Pay anyone, anywhere,
instantly for free

160+ countries. 300+ currencies.
No hidden transfer fees.

Earn up to 10% automatically

Earn up to 10% rewards automatically and withdraw whenever you want.

Pay friends like sending a DM

Send and get paid using your personal Kraktag 
- no numbers or routing codes.

Krak user
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elena

Krak user
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elena

Krak user
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michelle

Krak user
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michelle

Krak user
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nicolas

Krak user
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nicolas

Krak user
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sam

Krak user
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sam

Krak user
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tania

Krak user
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tania

Krak user
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zoe

Krak user
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zoe

Krak user
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grace

Krak user
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grace

Krak user
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emily

Krak user
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emily

Krak user
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isabel

Krak user
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isabel

Krak user
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nathan

Krak user
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nathan

Krak user
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elena

Krak user
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elena

Krak user
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michelle

Krak user
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michelle

Krak user
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nicolas

Krak user
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nicolas

Krak user
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sam

Krak user
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sam

Krak user
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tania

Krak user
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tania

Krak user
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zoe

Krak user
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zoe

Krak user
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grace

Krak user
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grace

Krak user
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emily

Krak user
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emily

Krak user
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isabel

Krak user
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isabel

Krak user
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nathan

Krak user
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nathan

Krak user
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marcus

Krak user
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marcus

Krak user
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gwen

Krak user
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gwen

Krak user
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daniel

Krak user
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daniel

Krak user
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vanessa

Krak user
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vanessa

Krak user
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clara

Krak user
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clara

Krak user
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pedro

Krak user
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pedro

Krak user
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victoria

Krak user
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victoria

Krak user
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emil

Krak user
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emil

Krak user
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thomas

Krak user
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thomas

Krak user
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marcus

Krak user
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marcus

Krak user
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gwen

Krak user
Symbol

gwen

Krak user
Symbol

daniel

Krak user
Symbol

daniel

Krak user
Symbol

vanessa

Krak user
Symbol

vanessa

Krak user
Symbol

clara

Krak user
Symbol

clara

Krak user
Symbol

pedro

Krak user
Symbol

pedro

Krak user
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victoria

Krak user
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victoria

Krak user
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emil

Krak user
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emil

Krak user
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thomas

Krak user
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thomas

Spend globally

Card coming soon 👀. Global spending, zero borders.

Illustration of dollars and coins

Get the app

Why Krak beats your current app

Venmo
CashApp
Chime
Paypal

1.5% - 4%

1.25% - 3.75%

3.8%

5% fee

$0.99 - $4.99

7 assets

1 asset

7 assets

Krak
Earn on balances

4.1% - 10%

Free local payments
Send internationally

Free

to 160+ countries

Crypto

300+ assets

Last updated June 25, 2025

How Krak works

1. Grab the app

It's as easy as download, confirm, done.

Mobile phone with the Krak app in

2. Lock in your Kraktag

Choose your handle. Get weird with it.

@yolo kraktag

3. Add money

Top up with crypto, card, or bank transfer.

Krak / Add Money 1Deposit USD

4. Send it or stack it

Pay friends instantly, or earn rewards on what you keep.

Temp
Send
Flag

Send

24 USD

Flag

Send

105 EUR

Flag

Send

24 USD

Security you can see.
Support you can count on.

Security above everything

Your money’s backed by transparent Proof-of-Reserves on major assets

Illustration of dollars and coins

Support that speaks your language

24/7 in-app help, including dedicated support

Illustration of dollars and coins

What you see is what you pay

No hidden transfer fees. Rates always shown before you send

Illustration of dollars and coins

Krak FAQs

No. We’re better. Krak is a global money app – built for instant sending, digital rewards, and full flexibility.

Krak is available globally except for Australia and prohibited regions.

In the United States:

  • Crypto transfers are not available in the following states: IN, ME, NY

  • Cash transfers are not available in the following states: CA, CO, IN, LA, ME, MA, NY, UT

It means your money moves in seconds. Not days. Not business hours.

Most transfers are free – and all fees are shown before you send.

Krak makes money primarily through transparent exchange fees whenever you convert one asset or currency to another. All fees are clearly displayed upfront.

Yes, you can send your friends a payment link via text, email, or DM. They'll just need to create a Krak account to claim the funds.

Yes, there are certain sending and receiving limits depending on your verification level. You can find exact limits in the app settings under your profile.

Absolutely! You can easily link your bank account, credit card, or deposit crypto directly into your Krak account.

Krak supports more than 300 assets and currencies, including crypto, fiat, and stablecoins, enabling you to hold, send, and convert seamlessly between them.

Yes, Krak lets you request money easily by using Payment Requests, your Kraktag, or sharable paylinks.

Don't worry – our 24/7 in-app support can help you securely recover access to your account.

Absolutely. Your funds are safeguarded with transparent Proof-of-Reserves, robust encryption, and secure user authentication practices.

Withdrawals are processed instantly, but may take up to 2 business days to appear in your account depending on your bank.

Once a payment is sent, it can’t be reversed due to the instant nature of transfers. Always double-check before confirming a transaction.

We take your privacy seriously, using industry-standard security measures, encryption, and strict privacy policies to keep your personal information safe.

Referrals are eligible worldwide, except in regions and countries where Kraken does not operate, as listed on this page. Additionally, residents of the United Kingdom, Singapore, Austria, and Turkey are not permitted to participate.

When you hold USDG, you automatically earn 4.1% rewards. No lockups. Withdraw anytime.

Your money is securely stored using industry-leading practices and protected by transparent Proof-of-Reserves, ensuring your funds remain safe and accessible whenever you need them.

@you

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@world

Share Krak. Stack up to $1000 USD.

Invite a friend, and when they fund their account, you both get $10 USD.
That’s $100 USD for 10 friends, $250 USD for 25... all the way to $1,000 USD.

Geo restrictions and terms apply.

Download Krak
Get the app

Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset or currency to another before making a transfer. Please see our fee schedule for more information. Applicable fees will always be shown before you make a transfer.

Geographic restrictions apply. Rewards rates are determined and paid out by Kraken in its sole discretion and are subject to change. See our Terms of Service for more info. Due to its partnership with Global Dollar Network, Kraken receives an economic benefit with respect to amounts of USDG minted, held on platform, and received in on-chain transfers.

Free your money. Get Krak.

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