Krak Card (Kraken) vs Shakepay Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Krak Card (Kraken) ranks higher on the documented evidence (6.9/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 Krak Card (Kraken) | Shakepay Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | No direct BTC load |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | not documented | 3% |
| Monthly fee | none | none |
| ATM fee | 0% | not documented |
| Cashback | 2% in cash (GBP/EUR) or BTC | 1% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | $5000.0 |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | UK, EEA | CA |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | yes |
Pick Krak Card (Kraken) if
- Known fee stack (0.0 vs 3.0 % equivalents on a $500/mo profile)
- Higher documented cashback (2% vs 1)
Pick Shakepay 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.
Shakepay Card
exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only
More head-to-heads
FAQ
Which is better for privacy, Krak Card (Kraken) or Shakepay Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify