可申请地区
支持申请或可正常开卡使用
31条
- 证据来源
- 官方支持
- 更新时间
- 2026/09/17

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%。
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。
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
K Krak Card | K Kraken Card | K 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 |
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。
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。
支持申请或可正常开卡使用
31条
不支持或受限开户/功能
19条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
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。
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
是
KYC 等级
完整 KYC
居住证明
需要
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
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
多源合规技术(Internal Compliance Engine + 整合 Onfido/Sumsub 等第三方验证服务商)。
2026/08/06
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项
不支持
0项
数据更新时间
2026/08/06
钱包支付
更新时间 2026/08/06
钱包支付
更新时间 2026/08/06
现金服务
更新时间 2026/08/06
AI 工具
更新时间 2026/08/06
AI 工具
更新时间 2026/08/06
钱包支付
更新时间 2026/08/06
AI 工具
更新时间 2026/08/06
线下支付
更新时间 2026/08/06
线上购物
更新时间 2026/08/06
钱包支付
更新时间 2026/08/06
订阅服务
更新时间 2026/08/06
钱包支付
更新时间 2026/08/06
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。
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。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
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.
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 🐙
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
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 🐙
great experience,easy to use
Happy to see you enjoy the ease of use. Thanks for the review 😊
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
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.
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- 🐙
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
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.
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!
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.
Scammers
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 🐙
ma carte krak est creditrice de plus de 500 euros et je ne peux rien payer avec elle
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
good
Thanks! Feel free to let us know what it would make it a 5-star experience, our Support Team's here 24/7! 💜
更新时间:2026/07/08
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