Krak Card (Kraken) vs Wirex
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 5.4/10). The right pick still depends on your priority - see the flow comparison below.
| Krak Card (Kraken) |  Wirex | |
|---|---|---|
| Overall score | 7 | 5.4 |
| 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% | 0% |
| Monthly fee | none | none |
| Cashback | 2% in cash (GBP/EUR) or BTC | 8% in USD |
| Regions | UK, EEA, US | GLOBAL, EEA, UK, APAC, LATAM |
Pick Krak Card (Kraken) if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Higher documented cashback (8% vs 2)
- 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.
Wirex
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.