Bitpanda Card vs Krak Card (Kraken)
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Bitpanda Card |  Krak Card (Kraken) | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 0% | not documented |
| Monthly fee | none | none |
| ATM fee | 2% | 0% |
| Cashback | 1% in EUR | 2% in cash (GBP/EUR) or BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | EUR 10,000 | not documented |
| ATM daily limit | EUR 500 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA | UK, EEA, US |
| Network | Visa | Mastercard |
| Form factor | Physical | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bitpanda Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Krak Card (Kraken) if
- Higher documented cashback (2% vs 1)
- Cheaper ATM withdrawals (0% vs 2%)
- Wider documented availability
Bitpanda Card
Europe's cleanest all-asset debit card: spend any of 600+ cryptos or even precious metals from one EUR card with zero monthly fees, 0% own FX markup, generous EUR 280k/month limits and an MFSA-regulated issuer. The 1% cashback only pays on crypto payments, ATM withdrawals cost 2%, and it is euro-area only.
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, Bitpanda Card 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