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Krak Card (Kraken) vs Moon

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Higher score Krak Card (Kraken) card
Krak Card (Kraken)
7
Full KYCCustodialBTC via in-app conversion
Get Krak Card (Kraken)
Moon - illustration (AI-generated, not the official card design)
Moon
3.8
Basic KYCCustodialLightning
Get Moon

Short answer Krak Card (Kraken) wins overall (7/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.

Krak Card (Kraken) Moon
Bitcoin flow
BTC loadBTC via in-app conversionDirect BTC top-up (on-chain) + Lightning
Lightning fundingnoyes - loads the card
BTC sale timingBTC sold per transactionNot documented
Fees
Top-up fee0%not documented
FX feenot documented0%
Monthly feenonenone
ATM fee0%not documented
Cashback2% in cash (GBP/EUR) or BTCnone
Privacy & custody
KYCFull KYCBasic KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limitnot documentednot documented
Max loadnot documentednot documented
Availability
RegionsUK, EEA, USGLOBAL
NetworkMastercardVisa
Form factorPhysical + virtualVirtual
Apple Payyesno / unknown

Pick Krak Card (Kraken) if

  • Higher documented cashback (2% vs 0)
  • Physical card option
  • Wider documented availability

Pick Moon if

  • Lighter KYC (Basic KYC vs Full KYC)
  • Lightning funding that actually loads the card

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.

Full review

Moon

Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.

Full review

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FAQ

Which is better for privacy, Krak Card (Kraken) or Moon?
Krak Card (Kraken) requires Full KYC, while Moon requires Basic 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. Moon: 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