Krak: Money App & Card

Krak is the fast, simple, and secure way to send and receive money instantly – all from a lightweight, on-the-go app designed for effortless peer-to-peer payments.

Built for speed and trust, Krak makes moving money between friends, family, or anyone else as easy as a tap. Whether you’re splitting a bill, paying for services, or just sending cash, Krak helps you do it securely, anytime, anywhere.

KRAK CARD: UP TO 2% CASHBACK, ZERO FEES
• Up to 2% cashback - paid in pounds or bitcoin
• Spend 600+ currencies (fiat, crypto, stablecoins) online, in-store, or at ATMs
• No transaction fees, monthly fees, FX fees, or ATM withdrawal fees (Third party fees may apply)
• Use anywhere Mastercard is accepted: 110M+ merchants globally, 190+ countries
• Create your virtual card instantly, then add to your mobile wallet for tap-to-pay
• From fraud protection to instant card lock, your money is secure and managed by you

GLOBAL P2P PAYMENTS WITH PERKS
• Send money instantly to 160+ countries using just a @Kraktag username
• Get $10 in USD for every friend that opens and funds an account (up to $1000 USD)*
• Zero transfer fees with transparent, upfront conversion rates

INSTANT & TRANSPARENT TRANSFERS
• Your money arrives in seconds, not days
• See exactly what you're sending and receiving with zero hidden fees
• When converting between currencies, all spreads are shown upfront before you confirm
• Manage international finances without juggling multiple apps

MULTI-CURRENCY BY DEFAULT
• Hold, convert, and send 600+ fiat currencies, stablecoins, and crypto assets
• Live in USD, get paid in EUR, send in GBP - Krak handles it seamlessly
• Real-time asset swapping with all costs shown before you confirm

PAYMENTS THAT FEEL LIKE A CHAT
• Pay friends like you send a DM with your unique @Kraktag username
• Share animated paylinks with memes & emojis - feels like texting, not banking
• Chat-like flows make complex financial tasks simple
• Request money or send payment reminders easily

Krak is an affiliated brand of Kraken.

*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.

Cryptocurrencies are unregulated in the UK, profits may be subject to capital gains tax, and the value of cryptocurrencies can go down or up

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. Take 2 mins to learn more at https://www.kraken.com/legal/uk/disclaimer

Terms of Service: www.kraken.com/legal

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

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

Spending crypto may be a taxable event, as conversion to fiat can create capital gains or losses. Cashback is generally not taxable. Consult a tax advisor for your circumstances. Consult a tax advisor for your individual circumstances. Learn more: https://support.kraken.com/articles/krak-card-cashback-overview

1% salary match until 01/05/2026 (not guaranteed), then rate depends on average assets held with Krak, Kraken, and Kraken Pro. Geo restrictions and T&Cs apply: http://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).