KAST 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.
 KAST | Krak Card (Kraken) | |
|---|---|---|
| Overall score | 7.2 | 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 | 0% | 0% |
| FX fee | 2% | 0% |
| Monthly fee | none | none |
| Cashback | 1.5% in USD | 2% in cash (GBP/EUR) or BTC |
| Regions | GLOBAL, US, EEA | UK, EEA, US |
Pick KAST 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 1.5)
KAST
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.
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.