可申請地區
支援申請或可正常開卡使用
立陶宛LT德國DE荷蘭NL挪威NO斯洛維尼亞SI斯洛伐克SK賽普勒斯CY芬蘭FI保加利亞BG愛爾蘭IE丹麥DK波蘭PL瑞典SE奧地利AT冰島IS希臘GR克羅埃西亞HR葡萄牙PT列支敦斯登LI羅馬尼亞RO比利時BE馬爾他MT法國FR義大利IT西班牙ES愛沙尼亞EE匈牙利HU捷克CZ拉脫維亞LV盧森堡LU
- 證據來源
- 官方支援
U 卡資料庫 / Mastercard / 加密簽帳卡
K
Krak Card
更新時間: 2026年8月6日
Krak Card 是 Kraken 為英國和歐洲經濟區使用者推出的加密資產簽帳卡，由 Krak Everyday 電子貨幣帳戶提供消費餘額。使用者可設定法幣和加密資產的扣款順序，在消費時自動將所需資產轉換為英鎊或歐元，並透過 Mastercard 網路完成線上購物、訂閱、實體通路刷卡和 ATM 提款。產品提供虛擬卡、標準實體卡，以及符合資產門檻的使用者可申領的金屬卡，合資格消費最高可獲得2%回饋。
官方與公司資訊
發行方身分與公司資質概覽
Kraken（母公司為 Payward, Inc.）成立於 2011 年，是全球歷史最悠久、安全性與合規性信譽卓著的中心化加密貨幣交易所之一。其總部位於美國舊金山，致力於搭建連接傳統金融與數位資產的橋梁，為個人投資者及機構客戶提供包括現貨交易、槓桿交易、質押服務、衍生品交易及資產託管在內的全方位金融服務。Kraken 以業界領先的安全標準著稱，是全球首個實施「資產儲備金證明」（Proof of Reserves）的加密平台，並持續透過嚴苛的金融監管合規化布局，在全球市場深耕金融包容性與資產安全性。
卡片概覽
Krak Card、Kraken Card 和 Krak Metal Card 共用同一個 Krak Everyday 餘額、消費資產順序及獎勵等級。Krak Card 與 Kraken Card 的核心功能相同，主要差異在於卡面設計；使用者可以分別持有及管理兩種卡片。Everyday 餘額獨立於 Kraken 交易帳戶，使用者必須先將法幣或加密資產轉入該餘額；消費加密資產時，系統會在交易發生時出售相應資產，並以英國帳戶的英鎊或歐洲經濟區帳戶的歐元完成結算。卡片支援600多種法幣及加密資產，但具體可消費的資產受居住地區規則影響，歐洲經濟區帳戶不能使用 USDT、DAI 等受限資產。使用者可在 Krak 應用程式內凍結卡片、修改扣款順序、查看獎勵，以及管理虛擬卡和實體卡。
Mastercard 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
按住或滑動表格任意區域，左右查看全部卡片；左側項目保持固定
K Krak Card | K Kraken Card | K Krak Metal Card | |
|---|---|---|---|
| 卡片形態 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 | 金屬卡 |
| 費用 | |||
| 月費 | 免費 不收月度或年度卡費 | 免費 不收月度或年度卡費。 | 免費 不收月度或年度卡費 |
| 開卡費 | 免費 首張標準卡免費發行 | 免費 首張卡片免費發行。 | 免費 達標後首張免費 |
| ATM 提款費 | 免費 第三方ATM可另行收費 | 免費 第三方ATM可另行收費。 | 免費 第三方ATM可另行收費 |
| 貨幣轉換費 | 免費 按Mastercard匯率結算 | 免費 按Mastercard匯率結算。 | 免費 按Mastercard匯率結算 |
| 儲值費 | — | — | — |
| 交易失敗費 | — | — | — |
| 獎勵 | |||
| 現金回饋 | 0 GBP 按三十日平均餘額分級 | 2% 按三十日平均餘額分級，範圍為0%–2%。 | 2% 0%–2%；旅行最高4%，旅行加成須指定管道 |
| 加密貨幣回饋 | 0 GBP 與法幣現金回饋二選一 | 2% 以BTC現金回饋，與法幣現金回饋二選一，範圍為0%–2%。 | 2% 0%–2% BTC；與法幣現金回饋二選一 |
| 質押獎勵 | — | — | — |
| 質押年利率 | — | — | — |
| 歡迎獎勵 | 2% 前30日現金回饋，新使用者獲得Max等級 | 10 GBP + 100% 首筆100%，最高10英鎊或10歐元，僅限新Kraken持卡人。 | — |
| 推薦獎勵 | — | — | — |
| 限制 | |||
| 每日支出上限 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元。按卡片基礎幣種計算 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元。按卡片基礎幣種計算。 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元；按卡片基礎幣種計算 |
| 每月支出上限 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元。按自然月累計計算 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元。按自然月累計計算。 | 22,000 GBP 英國22,000英鎊；歐洲經濟區12,000歐元；按自然月累計計算 |
| ATM 提款上限 | 750 GBP 英國750英鎊/日、4,000英鎊/月；歐洲經濟區900歐元/日、4,800歐元/月。另有單次提款上限 | 750 GBP 英國750英鎊/日、4,000英鎊/月；歐洲經濟區900歐元/日、4,800歐元/月。另有單次提款上限。 | 750 GBP 英國750英鎊/日、4,000英鎊/月；歐洲經濟區900歐元/日、4,800歐元/月；另有單次提款上限 |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
南蘇丹SS古巴CU印度IN剛果（金夏沙）CD俄羅斯RU菲律賓PH北韓KP白俄羅斯BY伊朗IR敘利亞SY阿富汗AF伊拉克IQ利比亞LY蘇丹SD日本JP
- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
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。
更新時間: 2026年8月6日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
是需要支援證件
護照 / 駕駛執照 / 國民身分證 / 銀行對帳單 / 水電瓦斯或網路帳單 / 稅務文件 / 政府信函 / 租賃協議
審核時間 / 地區限制
自動審核可即時完成，人工或補充文件複核最長按五日處理
KYC 服務商
多來源合規技術（Internal Compliance Engine + 整合 Onfido/Sumsub 等第三方驗證服務商）。
更新時間
2026年8月6日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援12
不支援0
更新時間2026年8月6日
行動錢包付款
Alipay
支援
2026年8月6日
行動錢包付款
Apple Pay
支援
2026年8月6日
現金服務
ATM 提款
支援
2026年8月6日
AI 工具
ChatGPT
支援
2026年8月6日
AI 工具
Claude
支援
2026年8月6日
行動錢包付款
Google Pay
支援
2026年8月6日
AI 工具
Midjourney
支援
2026年8月6日
實體付款
實體 POS
支援
2026年8月6日
線上購物
線上購物
支援
2026年8月6日
行動錢包付款
PayPal
支援
2026年8月6日
訂閱服務
訂閱付款
支援
2026年8月6日
行動錢包付款
WeChat Pay
支援
2026年8月6日
使用者評論
顯示 10 則已核准且符合此卡片的評論
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.
官方回覆
查看原文 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!
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
官方回覆
查看原文 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 🐙
Krak: Send & Receive Money Google Play review - 5 star
great experience,easy to use
官方回覆
查看原文 Happy to see you enjoy the ease of use. Thanks for the review 😊
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
查看原文 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.
官方回覆
查看原文 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…
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
官方回覆
查看原文 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.
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!
官方回覆
查看原文 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.
Krak: Send & Receive Money Google Play review - 1 star
Scammers
官方回覆
查看原文 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…
ma carte krak est creditrice de plus de 500 euros et je ne peux rien payer avec elle
官方回覆
查看原文 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
Krak: Send & Receive Money Google Play review - 4 star
good
官方回覆
查看原文 Thanks! Feel free to let us know what it would make it a 5-star experience, our Support Team's here 24/7! 💜
風險因素
更新時間: 2026年7月8日
沒有可用的風險因素