Krak Card (Kraken) vs OKX Card
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 5.7/10). The right pick still depends on your priority - see the flow comparison below.
 Krak Card (Kraken) |  OKX Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| ATM fee | 0% | ATM withdrawals not supported - virtual-only card (official pages issue an instant virtual card only; no physical card offered; independent review confirms 'no ATM access at all') |
| Cashback | 2% in cash (GBP/EUR) or BTC | 2% in USDG |
| 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 | UK, EEA, US | APAC, MENA, LATAM, EEA |
| Network | Mastercard | Mastercard |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | yes | yes |
Pick Krak Card (Kraken) if
- Physical card option
Pick OKX Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
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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FAQ
Which is better for privacy, Krak Card (Kraken) or OKX Card?
Krak Card (Kraken) requires Full KYC, while OKX Card 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?
Krak Card (Kraken): BTC sold per transaction. OKX Card: Not documented. 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