Krak Card (Kraken) vs Nexo Card
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.
| Krak Card (Kraken) |  Nexo Card | |
|---|---|---|
| Overall score | 7 | 6.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | BTC sold per transaction | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 0% | 0.2% |
| Monthly fee | none | none |
| Cashback | 2% in cash (GBP/EUR) or BTC | 2% in NEXO |
| Regions | UK, EEA, US | EEA, UK, LATAM |
Pick Krak Card (Kraken) if
- Known fee stack (0.0 vs 0.2 % equivalents on a $500/mo profile)
Pick Nexo Card if
- you match none of Krak Card (Kraken)'s edge cases - the closer score makes it the default
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.
Nexo Card
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.