Bitrefill 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 Krak Card (Kraken) ranks higher on the documented evidence (6.9/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Krak Card (Kraken) | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | BTC sold per transaction |
| Fees | ||
| Top-up fee | 1.99% | 0% |
| FX fee | 0% | not documented |
| Monthly fee | none | none |
| ATM fee | 2.49% | 0% |
| Cashback | 1% in EUR | 2% in cash (GBP/EUR) or BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | UK, EEA |
| Network | Visa | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Krak Card (Kraken) if
- Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 1)
- Cheaper ATM withdrawals (0% vs 2.49%)
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
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, Bitrefill Card or Krak Card (Kraken)?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify