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 returns. 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 USD or BTC on everyday spend

• No monthly fees, no minimum balance, no surprises

• Works everywhere Visa 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 Krak Vaults

• Start your investment journey from 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:

Variable spread may apply when spending, FX fees apply, and third-party fees may apply at ATMs. See Pricing for details.

Rate depends on average assets held with Krak, Kraken, and Kraken Pro. T&Cs apply.

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 and is offered to US customers through Payward Interactive, Inc.

Krak debit card is issued by Lead Bank under Visa license. Krak is not a bank; balances are not FDIC/SIPC-insured. Digital assets converted to USD at purchase; values may fluctuate. Eligibility and state restrictions apply. See terms.

Krak Third Party Payments is provided by Payward Interactive, Inc. (NMLS #1843762), a licensed money transmitter. Krak is not a bank. The virtual account is not a deposit account and is NOT FDIC insured. Funds are pooled at Citibank, N.A., for customer benefit. Customers are not citibank accountholders, Terms apply.

Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer.

Eligibility and state restrictions apply. See terms.

Geographic restrictions apply. Rewards rates are determined and paid out by Kraken in its sole discretion and are subject to change. See our Terms of Service for more info. Due to its partnership with the issuer, Kraken receives an economic benefit with respect to amounts of stablecoin minted, held on platform, and received in on-chain transfers.

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.