Krak is a money app and Mastercard debit card¹ that rewards you for spending, saving and earning. Get up to 2% cashback¹, and 8% APY² (variable). → STOP LEAVING MONEY ON THE TABLE
On a €5,000 monthly salary paid into Krak, here's what you'd earn back in a year:

— Up to 2% Cashback¹ on €1,500/mo spend = €360/year.
— Up to 8% APY² (variable) on €3,000 Vault deposit = €240/year.

That can add up to over €600 or more back, just for spending, and putting your assets to work. Krak turns your everyday finances into rewards in one simple account.

→ A CARD THAT EARNS EVERYWHERE¹
— Up to 2% cashback on every purchase, no caps, no rotating categories.
— Virtual and physical Krak Mastercard, accepted in 200+ countries and 150+ currencies.

→ YOUR ASSETS WORK WHILE YOU SPEND²
Krak Vault puts select assets to work at up to 8% variable APY. No lock-ins, no minimum balance. Always earning and ready to spend or withdraw in 24 hours when you need it.

→ KRAK CONCIERGE³
Up to 60% off luxury hotel bookings and up to 6% cashback on top.

→ SEND, SPLIT AND PAY GLOBALLY
— Send money to 160+ countries.
— Split bills in 600+ currencies.
— Pay anyone instantly with a @Kraktag.

→ DISCLAIMERS
¹ Krak Card and cashback features available to eligible customers in the UK and select EU markets only.
² Krak Vault and APY rewards available to eligible customers in the UK and select EU markets only. APY is variable and not guaranteed.
³ Krak Concierge available to eligible customers in the UK and select EU markets only.

Krak is an affiliated brand of Kraken.

Terms and caps apply. Geo restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. Please see our fee schedule for more information: www.kraken.com/features/fee-schedule.

Not investment advice. Crypto trading involves risk of loss. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Terms of Service: www.kraken.com/legal.

A variable spread will apply when spending across assets. Third-party ATM fees may apply.

Cashback rate depends on average assets held with Krak, Kraken and Kraken Pro. T&Cs apply. See Support Center for more info: www.support.kraken.com/articles/krak-card-cashback-overview.

Not investment advice. Crypto trading involves risk of loss. Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania (authorisation code: LB002139). Payward Ireland Limited (PIL) and Payward Europe Solutions Limited (PESL), trading as Kraken, are regulated by the Central Bank of Ireland. E-money services are provided by PIL and spot trading services are provided by PESL.

APY is variable and not guaranteed; there is a risk of loss. Onchain interactions involve technological, market, and operational risks (see Terms of Service). Kraken does not control third-party protocols. Vaults are an unregulated product and are provided by Payward Wallet, LLC. Fees apply. Geo restrictions apply.

Geo restrictions apply. Krak Concierge processes bookings via Entravel Holdings Ltd. (“EH”). Krak is not a travel agent and the merchant of record for bookings. Prices, taxes and fees are set by the provider. Cancellations/refunds follow the hotel and/or EH policy. Instant buy/sell fees apply and are shown when converting one asset or currency before making a transfer. See our fee schedule for details. Krak may receive a commission from EH on completed stays.