Goblin 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 5.5/10). The right pick still depends on your priority - see the flow comparison below.
 Goblin Card |  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 | 3.5% | 0% |
| FX fee | 0% | not documented |
| Monthly fee | none | none |
| ATM fee | 0% | 0% |
| Cashback | none | 2% in cash (GBP/EUR) or BTC |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | $5,000 | not documented |
| ATM daily limit | $500 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | GLOBAL, LATAM | UK, EEA, US |
| Network | Mastercard | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick Goblin Card if
- Lighter KYC (No KYC vs Full KYC)
Pick Krak Card (Kraken) if
- Known fee stack (3.5 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 0)
Goblin Card
The strongest physical no-KYC card pitch: a real Mastercard with ATM access, 0% FX and 0% ATM fees, multi-asset deposits and privacy-preserving support channels. The trade-offs are a $350 entry price, 3.5-4% deposit fees and an unlicensed custodial balance - treat it as a privacy tool, not a bank account.
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, Goblin 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