Krak Card (Kraken) vs Revolut

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

Krak Card (Kraken)

Full KYCCustodialBTC via in-app conversion

Get Krak Card (Kraken)

Revolut

6.8

Full KYCCustodialBTC via in-app conversion

Get Revolut

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)	Revolut
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	BTC sold per transaction
Fees
Top-up fee	0%	0%
FX fee	not documented	0%
Monthly fee	none	none
ATM fee	0%	2%
Cashback	2% in cash (GBP/EUR) or BTC	none
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	EEA, UK, US, APAC, LATAM, GLOBAL
Network	Mastercard	Visa
Form factor	Physical + virtual	Physical + virtual
Apple Pay	yes	no / unknown

Pick Krak Card (Kraken) if

Higher documented cashback (2% vs 0)
Cheaper ATM withdrawals (0% vs 2%)

Pick Revolut if

Wider documented availability

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

Revolut

The mainstream choice if you want crypto spend inside a full banking app - regulated, mature, multi-plan - but it is a bank card with a crypto side-feature: auto-conversion spreads, plan-based crypto fees and taxable disposals at every payment are the trade-offs.

Full review

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FAQ

Which is better for privacy, Krak Card (Kraken) or Revolut?

Krak Card (Kraken) requires Full KYC, while Revolut 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. Revolut: BTC sold per transaction. 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