Krak
Krak is a crypto card issued on Mastercard, rated 6.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Krak is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at custodial debit card by kraken; launched nov 2025 risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Krak · Crypto Card |
| Official site | https://krak.app |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 6.4/10 (3.0★, 920 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | free (virtual + plastic); Metal free after qualifying |
| FX / conversion fee | 0% FX markup; crypto conversion spread variable (~1.5%) |
Verification and risk
| KYC required | yes (full KYC) |
| Risk level | custodial debit card by Kraken; launched Nov 2025 |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (400-600 assets) |
| Bank transfer | yes |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | Global |
| Billing country | UK + EEA (31 countries) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- Get up to 2% cashback ¹ on 600+ currencies with a card you can activate right away.
- Move 600+ currencies to 160+ countries for free ², send and get paid using your personal Kraktag, no IBANs or routing codes needed.
- No transfer fees, and rates always shown before you send 2.
Source: https://krak.app.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 233059 | Mastercard | United Kingdom | Debit | 284 | 204 | 71.8% |
We logged 204 cleared charges out of 284 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Krak cost to run?
The cost lines stack like this: issuing the card is free; conversion is priced at 0% FX markup; crypto conversion spread variable (~1.5%). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Krak?
Krak asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full KYC)
How can I fund Krak?
You can fund it with crypto (400-600 assets), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Krak need?
Setting it up: the billing address type is Global; cards are issued against UK + EEA (31 countries); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Krak work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Krak trigger 3-D Secure?
Yes. Krak supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Krak?
Krak allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.