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Krak Card

最近更新:2026/09/17

Krak Card 是 Kraken 面向英国和欧洲经济区用户推出的加密资产借记卡,由 Krak Everyday 电子货币账户提供消费余额。用户可设置法币和加密资产的扣款顺序,在消费时自动将所需资产转换为英镑或欧元,并通过 Mastercard 网络完成线上购物、订阅、线下刷卡和 ATM 取现。产品提供虚拟卡、标准实体卡及符合资产门槛用户可申领的金属卡,合资格消费最高返现2%。

提交使用反馈
发卡网络
Mastercard
产品类型
加密借记卡
卡片形态
虚拟卡+实体卡 / 金属卡
运营状态
正常运营
KYC 级别
完整 KYC
商业关系
无商业关系
风险分数
80-89
支持资产
USDT/USDC/BTC/ETH/BNB/SOL/XRP/ADA/DOGE/TRX/AVAX/DOT/LINK/ATOM/LTC/BCH/DAI/XLM/UNI/EUR/GBP
最近更新
2026/09/17

官方与公司信息

发行方与公司资质概览

已验证emiMastercard Card

Kraken(母公司为 Payward, Inc.)成立于 2011 年,是全球历史最悠久、安全性与合规性信誉卓著的中心化加密货币交易所之一。其总部位于美国旧金山,致力于搭建连接传统金融与数字资产的桥梁,为个人投资者及机构客户提供包括现货交易、杠杆交易、质押服务、衍生品交易及资产托管在内的全方位金融服务。Kraken 以行业领先的安全标准著称,是全球首个实施“资产储备金证明”(Proof of Reserves)的加密平台,并持续通过严苛的金融监管合规化布局,在全球市场深耕金融包容性与资产安全性。

公司 / 发行方
kraken(Krak Card)
法律名称
payward Services Limited
注册地区
英国(GB)
总部
美国旧金山
公司类型
emi
核验状态
已验证
发行方官网
官方链接
办卡入口
办卡链接

卡片概览

Krak Card、Kraken Card 和 Krak Metal Card 共用同一个 Krak Everyday 余额、消费资产顺序及奖励等级。Krak Card 与 Kraken Card 的核心功能相同,主要区别是卡面设计;用户可以分别持有和管理两种卡片。Everyday 余额独立于 Kraken 交易账户,用户需先将法币或加密资产转入该余额,消费加密资产时系统在交易发生点出售相应资产,并以英国账户的英镑或欧洲经济区账户的欧元完成结算。卡片支持600多种法币及加密资产,但具体可消费资产受居住地区规则影响,欧洲经济区账户不能使用 USDT、DAI 等受限资产。用户可在 Krak 应用内冻结卡片、修改扣款顺序、查看奖励及管理虚拟卡和实体卡。

Mastercard 卡体验地区可用性权益条款变化
i

提示:暂无提示。

卡片形态与费用差异

比较不同卡片形态与等级的真实费用记录

按住或滑动表格任意区域,左右查看全部卡片;左侧项目保持固定

Krak Card
Kraken Card
Krak Metal Card
卡片类型虚拟卡+实体卡虚拟卡+实体卡金属卡
费用
月费
免费

不收月度或年度卡费

免费

不收月度或年度卡费。

免费

不收月度或年度卡费

开卡费
免费

首张标准卡免费发行

免费

首张卡片免费发行。

免费

达标后首张免费

ATM 取现费
免费

第三方ATM可另收费

免费

第三方ATM可另收费。

免费

第三方ATM可另收费

货币转换费
免费

按Mastercard汇率结算

免费

按Mastercard汇率结算。

免费

按Mastercard汇率结算

充值费
交易失败费
奖励
返现
0 GBP

按三十日平均余额分级

2%

按三十日平均余额分级,范围为0%–2%。

2%

0%–2%;旅行最高4%,旅行加成须指定渠道

加密货币返现
0 GBP

与法币返现二选一

2%

以BTC返现,与法币返现二选一,范围为0%–2%。

2%

0%–2% BTC;与法币返现二选一

质押奖励
质押年利率
欢迎奖金
2%

首30日返现,新用户获得Max等级

10 GBP + 100%

首笔100%,最高10英镑或10欧元,仅限新Kraken持卡人。

推荐奖金
限制
每日支出限额
22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元。按卡片基础币种计算

22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元。按卡片基础币种计算。

22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元;按卡片基础币种计算

每月支出限额
22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元。按自然月累计计算

22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元。按自然月累计计算。

22,000 GBP

英国22,000英镑;欧洲经济区12,000欧元;按自然月累计计算

ATM 取款限额
750 GBP

英国750英镑/日、4,000英镑/月;欧洲经济区900欧元/日、4,800欧元/月。另有单次取现上限

750 GBP

英国750英镑/日、4,000英镑/月;欧洲经济区900欧元/日、4,800欧元/月。另有单次取现上限。

750 GBP

英国750英镑/日、4,000英镑/月;欧洲经济区900欧元/日、4,800欧元/月;另有单次取现上限

卡片网络
横向拖动查看其他卡片

费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。

地区和语言支持

以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。

可申请地区

支持申请或可正常开卡使用

31

🇩🇪德国DE🇱🇹立陶宛LT🇳🇱荷兰NL🇳🇴挪威NO🇸🇮斯洛文尼亚SI🇸🇰斯洛伐克SK🇨🇾塞浦路斯CY🇫🇮芬兰FI🇧🇬保加利亚BG🇮🇪爱尔兰IE🌐美国(排除限制州)US_EXR🇩🇰丹麦DK🇵🇱波兰PL🇸🇪瑞典SE🇦🇹奥地利AT🇮🇸冰岛IS🇬🇷希腊GR🇭🇷克罗地亚HR🇵🇹葡萄牙PT🇱🇮列支敦士登LI🇷🇴罗马尼亚RO🇧🇪比利时BE🇲🇹马耳他MT🇫🇷法国FR🇮🇹意大利IT🇪🇸西班牙ES🇪🇪爱沙尼亚EE🇭🇺匈牙利HU🇨🇿捷克CZ🇱🇻拉脱维亚LV🇱🇺卢森堡LU
证据来源
官方支持
更新时间
2026/09/17

不支持或受限地区

不支持或受限开户/功能

19

🇮🇳印度IN🇷🇺俄罗斯RU🇯🇵日本JP🇵🇭菲律宾PH🇨🇩刚果(金)CD🇮🇷伊朗IR🇸🇸南苏丹SS🇨🇺古巴CU🌐马萨诸塞州US_MA🌐缅因州US_ME🌐印第安纳州US_IN🇰🇵朝鲜KP🇧🇾白俄罗斯BY🇸🇾叙利亚SY🇦🇫阿富汗AF🇮🇶伊拉克IQ🇱🇾利比亚LY🌐纽约州US_NY🇸🇩苏丹SD
证据来源
官方限制
更新时间
2026/09/17

未确认地区

资料不足,状态待确认

0

暂无记录

我们正在持续更新中

证据来源
已确认
更新时间
2026/09/17

中国大陆适用性

1、中国大陆:中国大陆居民不可申请;英国或欧洲经济区签发的卡可在接受境外Mastercard的商户使用,并可按国际卡规则绑定本地支付应用。

2、香港:香港居民不可申请;已由合资格地区签发的卡可在Mastercard线上及线下商户使用,外币交易不收Krak外汇附加费。

3、澳门:澳门居民不可申请;英国或欧洲经济区持卡人可在接受Mastercard的商户消费,ATM使用受当地运营商费用限制。

4、台湾:台湾居民不可申请;其他合资格地区签发的实体卡及虚拟卡可在Mastercard受理商户使用,并受交易风控限制。

证据来源
公开资料、官方政策、用户反馈
更新时间
2026/08/06

温馨提示:政策可能随时变动,建议以发卡行最新政策为准。

数据更新于 2026/09/17

KYC 要求

开户前需完成身份验证,以下为当前核验要求与限制说明

是否需要 KYC

需要

KYC 等级

完整 KYC

已通过标准

居住证明

需要

需要

支持证件

护照、驾驶执照、国民身份证、银行对账单、水电燃气或网络账单、税务文件、政府信函、租赁协议

审核时间 / 地区限制

自动审核可即时完成,人工或补充文件复核最长按五日处理

KYC 服务商

多源合规技术(Internal Compliance Engine + 整合 Onfido/Sumsub 等第三方验证服务商)。

更新时间

2026/08/06

支付兼容性

查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i

兼容性概览

共 12 项场景

支持

12

不支持

0

数据更新时间

2026/08/06

钱包支付

支付宝

支持

更新时间  2026/08/06

钱包支付

Apple Pay

支持

更新时间  2026/08/06

现金服务

ATM 取现

支持

更新时间  2026/08/06

AI 工具

ChatGPT

支持

更新时间  2026/08/06

AI 工具

Claude

支持

更新时间  2026/08/06

钱包支付

Google Pay

支持

更新时间  2026/08/06

AI 工具

Midjourney

支持

更新时间  2026/08/06

线下支付

线下刷卡

支持

更新时间  2026/08/06

线上购物

线上购物

支持

更新时间  2026/08/06

钱包支付

PayPal

支持

更新时间  2026/08/06

订阅服务

订阅支付

支持

更新时间  2026/08/06

钱包支付

微信支付

支持

更新时间  2026/08/06

深度评测

基于已核实记录写成的产品评测,结论与更新时间一并列出。

暂无深度评测

这张卡片还没有发布评测。发布后会出现在这里,并在上游数据变化时标记为待更新。

最近变化

经核实并发布的卡片变化记录,按发生时间排列。

暂无已确认的变化

该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。

用户评论

215

展示最新 10 条已批准入库、并已匹配当前卡片的评论

最新优先
Christian RobertsTrustpilot已审核入库第三方评价★ 3 / 5
原文

Got my card the other day

Got my card the other day, load up with £200 from USCD in my ledger and wall went perfectly, able to withdraw cash from ATM also, good interest rates on stable coins too, my only concern and it’s a big one preventing me from adding large sums, and it’s the amount of reviews saying accounts frozen and funds locked with no support….other than the major downside it would be 5 stars.

官方回复

Hi Christian, Your deposit and transfer limits are dynamic, adjusting automatically over time based on your account history, usage patterns, and verification level. We understand your concerns regarding information you've read. Before anything else, we would like to assure you that we never restrict or close accounts for no reason. The unfortunate reality of the crypto industry is that it attracts scammers and fraudsters. Many of the accounts that are restricted or closed are often involved in fraudulent or illegal/prohibited activities. The nature of the online media often hides the truth from spectators - many of these cases that we've investigated in the past were found to be engaged in illegal activities. FUD is easiest to spread, clients who use their Kraken account daily without problems typically don’t post about their positive experiences, which can make closures seem more frequent than they are. Let us know if you have any further questions, Krak 🐙

Divine JonathanTrustpilot已审核入库第三方评价★ 1 / 5
原文

SCAM ACCOUNT DO NOT BOTHER OPENING!

SCAM ACCOUNT DO NOT BOTHER OPENING! They've done this to thousands of people, it can't be a coincidence. They'll let you open the account make a few transactions, then they'll just freeze the whole account disregarding people have livelihoods and blocking a bank account, obstructs that. Go on trust pilot they have thousands of people saying the exact same thing. It's a shame they operate like this because their app is very smooth. I want my account re opened or close my account and return my funds

官方回复

Hi Jonathan, Account restrictions are usually applied for security or compliance reasons, and we do not take these actions lightly. While account restrictions can prevent certain activities like buying, selling, or withdrawing, your funds are not at risk and will remain in your account until the issue is resolved. Please get in touch with us so that we can review your case and provide the necessary assistance: https://support.kraken.com/hc/en-us/articles/201351886 We're committed to resolving your issue, Krak Support 🐙

wenbo TengGoogle Play自动审核入库第三方评价★ 5 / 5
原文

Krak: Send & Receive Money Google Play review - 5 star

great experience,easy to use

官方回复

Happy to see you enjoy the ease of use. Thanks for the review 😊

Derrick DiabloTrustpilot已审核入库第三方评价★ 1 / 5
原文

Everything they do is Rubbish

They made you invest more and after some while they will stop Picking call and mails, so glad #AMPLE~~ EDGE# sorted it out and I got every dime back

Toderel Cristi ToaderGoogle Play自动审核入库第三方评价★ 1 / 5
原文

Krak: Send & Receive Money Google Play review - 1 star

Awful, after the update it logged me out. I tried to login but it said password was wrong. In the past I had a Kraken account which I deactivated, deleted. I tried to recover the password and it sent me to the Kraken site, which was ok and I changed it. But when I tried to login, it asked for 2fa, I never put a 2fa on Krak, I had for Kraken in the past and obviously I don't have the key anymore. I don't see why Krak would ask me for the old Kraken 2fa key.

官方回复

Thanks for flagging this, Toderel. We hear you and we'd really like the chance to help get that sorted for you. Please reach out via our live support or our official social channels and we'll dig into it from our side. This article can also help for 2fa issues: https://support.kraken.com/articles/201889308-i-can-t-sign-in-to-my-account- 🐙

Anna J. BeasleyTrustpilot已审核入库第三方评价★ 1 / 5
原文

Thehuge gaps between buy and sell…The…

Thehuge gaps between buy and sell…The huge gaps between buy and sell prices, fake trading. Coins that aren’t traded anywhere else. Very low volume. Being forced to use ridiculously small amounts of money sent as gifts at the market price. Why can’t I enter the price I want? Especially when there’s already such a huge gap.. not recommenred at all

官方回复

Hi Anna 👋 Thank you for sharing this, we really appreciate the honest feedback and totally get how frustrating this can be. Just a couple of things that might help: the wide spreads and low volume you're seeing tend to happen with smaller, less popular coins, this comes down to overall liquidity for that specific asset rather than something we control on our end. Also, good news, you don't have to use market price! If you switch to a limit order instead, you can set the exact price you're comfortable buying or selling at, rather than accepting the current market rate. If you let us know which coin(s) you've been trading, we'd love to take a closer look and see if there's anything else going on.

Rus Alex GhitaTrustpilot已审核入库第三方评价★ 1 / 5
原文

1 Star – Ignored for 8 days after account hack! (Ticket #22167711)

​My account was hacked a week ago and I immediately reached out to Kraken support for urgent help to secure my account and funds. It has been 8 days since August 4th, and I have received absolutely zero responses despite sending multiple emails and updates to my ticket. ​I am extremely worried about my money and the safety of my account. Being completely ignored by customer support during a critical security issue like an account breach is unacceptable. ​Please escalate Ticket #22167711 immediately and give me an update on my account status! UPDATE: Another 2 days have passed with absolutely no response from customer support after I completed the verification through the link provided. I am extremely worried and stressed about the safety of my funds held in the account. Please escalate Ticket #22167711 immediately and provide an urgent update!

官方回复

Hi Rus 👋 Thank you for bringing this to our attention. We completely understand your concerns. One of our specialists has already reached out to you via email, and we're currently waiting for your response. Please review the email carefully and follow the instructions provided so the team can proceed with the next steps. We appreciate your cooperation and look forward to getting this moving for you.

Moe Dia MerazkaGoogle Play自动审核入库第三方评价★ 1 / 5
原文

Krak: Send & Receive Money Google Play review - 1 star

Scammers

官方回复

Hi Moe, we please ask that you get in touch with us so that we can assist you where needed: https://support.kraken.com/hc/en-us/articles/201351886 We are looking forward to hearing from you, Krak Support 🐙

Gilbert BourgeoisTrustpilot已审核入库第三方评价★ 2 / 5
原文

ma carte krak est creditrice de plus de…

ma carte krak est creditrice de plus de 500 euros et je ne peux rien payer avec elle

官方回复

Bonjour Gilbert, veuillez nous contacter afin que nous puissions vérifier si votre compte est retenu ou restreint et vous fournir l’aide nécessaire : https://support.kraken.com/fr/articles/201351886 Nous avons hâte d’avoir de vos nouvelles, Soutien 🐙 au Krak

Bashir AhmedGoogle Play自动审核入库第三方评价★ 4 / 5
原文

Krak: Send & Receive Money Google Play review - 4 star

good

官方回复

Thanks! Feel free to let us know what it would make it a 5-star experience, our Support Team's here 24/7! 💜

风险因素

更新时间:2026/07/08

暂无风险因素