Bitso 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) wins overall (7/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.
| Bitso Card | Krak Card (Kraken) | |
|---|---|---|
| Overall score | not documented | 7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | Not documented | BTC sold per transaction |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | not documented | 0% |
| Monthly fee | ? | none |
| Cashback | none | 2% in cash (GBP/EUR) or BTC |
| Regions | LATAM | UK, EEA, US |
Pick Bitso 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 none)
- Wider documented availability
Bitso Card
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.
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FAQ
Which is better for privacy, Bitso Card or Krak Card (Kraken)?
Bitso Card requires Full KYC, while Krak Card (Kraken) requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitso Card: Not documented. Krak Card (Kraken): BTC sold per transaction. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.