Krak: Money App, Cashback Card

Krak is a money app and Mastercard debit card that rewards you for spending, saving and earning. Get up to 2% cashback, 3.6% APY (variable) and up to 1% Salary Match.

→ STOP LEAVING MONEY ON THE TABLE
On a £5,000 salary paid into Krak, here's what you'd earn in a year:

— Up to 2% Cashback on £1,500/month spend = £360/year.
— Up to 1% Salary Match on your paycheck = £600/year.
— 3.6% APY (variable) on £3,000 balance = £108/year.

That can add up to £1,000 or more back, for spending, putting your money to work & getting paid. Krak turns finances into rewards in one account.

→ YOUR OWN CURRENT ACCOUNT
Get a current account to receive salary, pay bills & send money. Up to 1% salary match for getting paid in Krak.

→ A CARD THAT EARNS EVERYWHERE
— Up to 2% cashback on purchases, no caps, no rotating categories.
— Virtual & physical Mastercard, accepted in 200+ countries & 150+ currencies.

→ YOUR MONEY WORKS WHILE YOU SPEND
Krak puts money to work at up to 3.6% variable APY. No lock-ins, no minimum. Always earning, ready when you need it.

→ KRAK CONCIERGE
Up to 60% off luxury hotels, up to 6% cashback on top.

→ SEND, SPLIT & PAY GLOBALLY
— Send to 160+ countries.
— Split bills in 600+ currencies.
— Pay anyone via @Kraktag.

→ DISCLAIMERS
Krak is an affiliated brand of Kraken.

Terms and caps apply. Salary Match available on qualifying deposits above £2,500/month, up to £250 back per month.

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 applies 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.

Eligible clients in the UK only. T&Cs apply. Minimum cumulative transfer(s) of £2,500 (max 4 payments) from employer payroll; exclusions apply. Rewards credited monthly as determined by Krak; max £250/month. 1% promotional rate not guaranteed; applies until (01/05/26), then depends on average assets held with Krak, Kraken and Kraken Pro. Kraken may amend, suspend, or end the promotion. Tax may apply. E-money services are not protected under the Financial Services Compensation Scheme. Reward value may fluctuate if held or converted into other assets.

Geo restrictions and T&Cs apply. Learn More: www.kraken.com/krak/salary-match.

Krak Card is issued by Monavate Limited, authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services (FRN: 901097). Payward Services Limited is authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services under the Electronic Money Regulations 2011 (FRN: 1010381).

Geographic restrictions apply. Rewards rates are determined and paid out by Kraken in its sole discretion and are subject to change. See our Terms of Service for more info. Due to its partnership with the issuer, Kraken receives an economic benefit with respect to amounts of stablecoin minted, held on platform, and received in on-chain transfers.

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.