Krak Card (Kraken) vs Nuri
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 3.2/10). The right pick still depends on your priority - see the flow comparison below.
 Krak Card (Kraken) |  Nuri | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | not documented | not documented |
| Monthly fee | none | none |
| ATM fee | 0% | not documented |
| Cashback | 2% in cash (GBP/EUR) or BTC | not documented |
| Privacy & custody | ||
| KYC | Full KYC | Basic KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | GBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review) |
| ATM daily limit | not documented | GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs) |
| Max load | not documented | not documented |
| Availability | ||
| Regions | UK, EEA, US | GLOBAL |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | yes | yes |
Pick Krak Card (Kraken) if
- Higher documented cashback (2% vs none)
- Physical card option
- Wider documented availability
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
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.
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
More head-to-heads
FAQ
Which is better for privacy, Krak Card (Kraken) or Nuri?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify