Krak Card (Kraken) vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
| Krak Card (Kraken) |  Vivid Money | |
|---|---|---|
| Overall score | 7 | 4.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | BTC sold per transaction | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 0% | 1% |
| Monthly fee | none | none |
| Cashback | 2% in cash (GBP/EUR) or BTC | 4% |
| Regions | UK, EEA, US | EEA |
Pick Krak Card (Kraken) if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Wider documented availability
Pick Vivid Money if
- Higher documented cashback (4% vs 2)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.