2Fiat vs Krak Card (Kraken)
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Krak Card (Kraken) wins overall (7/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Krak Card (Kraken) | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | not documented |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.' | 0% |
| Cashback | none | 2% in cash (GBP/EUR) or BTC |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $10,000 per load | not documented |
| Availability | ||
| Regions | GLOBAL | UK, EEA, US |
| Network | Mastercard | Mastercard |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Krak Card (Kraken) if
- Known fee stack (9.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 0)
- Physical card option
- Wider documented availability
2Fiat
A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Krak Card (Kraken)
Kraken's consumer debit card: hold BTC (and 600+ other assets) in the Krak account and spend via an editable Spend Order that auto-converts at authorization on the Mastercard rate - no markup, no monthly fee, free plastic, metal for 50k balances, instant tiered cashback up to 2% in fiat or sats. Costs hide in the variable conversion spread, the default Rewards tier earns nothing, and spend/ATM limits are not published.
More head-to-heads
FAQ
Which is better for privacy, 2Fiat or Krak Card (Kraken)?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify