Bybit EU 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.
 Bybit EU 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 | not documented | 0% |
| FX fee | 0.5% | 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 | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA | UK, EEA, US |
| Network | Mastercard | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bybit EU 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 (0.5 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 1)
- Cheaper ATM withdrawals (0% vs 2%)
- Wider documented availability
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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Compare any cards
FAQ
Which is better for privacy, Bybit EU Card or Krak Card (Kraken)?
Bybit EU 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?
Bybit EU 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.
Facts checked 2026-10-05 · How we verify