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Krak Card (Kraken) vs PST.NET

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)
PST.NET card
PST.NET
4.4
Full KYCCustodialDirect BTC top-up
Get PST.NET

Short answer Krak Card (Kraken) wins overall (7/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.

Krak Card (Kraken) PST.NET
Bitcoin flow
BTC loadBTC via in-app conversionDirect BTC top-up (on-chain)
Lightning fundingnono
BTC sale timingBTC sold per transactionNot documented
Fees
Top-up fee0%not documented
FX feenot documented1%
Monthly feenonenot documented
ATM fee0%not documented
Cashback2% in cash (GBP/EUR) or BTCnone
Privacy & custody
KYCFull KYCFull 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

  • Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
  • Higher documented cashback (2% vs 0)
  • Physical card option
  • Wider documented availability

Pick PST.NET 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.

Full review

PST.NET

A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.

Full review

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FAQ

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