Krak: Money App & Cashback

The app for all your money. Get cashback on everyday purchases, and put your assets to work and earn market leading rewards. No hidden fees, no monthly minimums, no catch.

Download Krak and open an account in minutes.

SPEND AND GET CASHBACK
• Earn up to 2% cashback in EUR or BTC on everyday spend
• No monthly fees, no minimum balance, no surprises
• Works everywhere Mastercard is accepted, in-app or added to your mobile wallet
• Real-time transaction alerts and 24/7 fraud monitoring

GROW YOUR ASSETS
• Start earning up to 6% APY on your eligible assets with automated smart-contract Krak Vaults
• Start your investment journey for as little as €1

EXCLUSIVE DISCOUNTS & EARNINGS
• Access 4- and 5-star hotels at members-only rates at up to 60% off
• Earn up to 6% cashback at checkout on travel in app via Krak Concierge

CRYPTO, DONE SIMPLY
• Buy, sell, and hold Bitcoin, Ethereum and 600+ other assets with zero complexity
• No jargon, no trading-desk energy, just a way to make your money work harder
• Transfer assets to and from your Krak balance in just a few taps.

Trusted by over 380,000 customers worldwide
• Your money is safeguarded and your crypto is backed by transparent Proof-of-Reserves on major assets.
• 24/7 in-app support. Find answers instantly, or get help from our support team.

Open an account, make a deposit, and put your money to work.

DISCLAIMERS:
Rate depends on average assets held with Krak, Kraken and Kraken Pro. Geo restrictions and T&Cs apply. See Support Center for more info.
Geo restrictions and T&Cs apply. Learn More

Krak is a global money app. Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania (authorisation code: LB002139). E-money services are provided by Payward Ireland Limited, trading as Kraken, regulated by the Central Bank of Ireland. Mastercard is a registered trademark of Mastercard International Incorporated; the card is issued pursuant to a licence from Mastercard.

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

Krak Concierge is powered by Entravel. Kraken is not a travel agent. Prices and refund policies are set by the provider. Krak may receive a commission from Entravel on completed stays. Geo restrictions apply.

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.

Vaults are not a regulated financial product. APY is variable and not guaranteed. There is a risk of loss.

Not investment advice. Crypto trading involves risk of loss. Payward Europe Solutions Limited, trading as Kraken, is regulated by the Central Bank of Ireland.

Terms of Service:
https://krak.app/legal/terms-of-service