Timo
Salary match + cashback
Salary match + cashback is a no-brainer for making a few extra bucks every month. Overall, super smooth and a great experience.
Response from KrakSep 3, 2026
You know what's good, Timo! 🤝🐙

Krak is the money app that pays you back, built for people who want more from their finances. Spend, send, and grow your money in one place with no monthly fees, and maximise your earning potential.The Krak card works at over 110 million merchants and pays market leading cashback on every purchase, instantly, in your local currency or Bitcoin. No points. No categories. Just real rewards every time you spend.Deposit your salary and earn up to 1% back the moment it lands. Put your balance to work with Krak Vaults, earning up to 8% APY with no lock-up and full access to your funds whenever you need them.Send money instantly to other Krak users across 160+ countries, fee-free. Spend from 600+ fiat and crypto assets including USD, EUR, GBP, CAD, AUD, CHF, Bitcoin, Ether, XRP, and more, with automatic conversion at checkout and no extra steps.Krak is built on Kraken's regulated global infrastructure, trusted since 2011. Your funds are held in segregated accounts at regulated institutions, kept entirely separate from Krak's operational capital.Geo restrictions and T&Cs apply. Learn more here.
Krak (krak.app) has 255 customer reviews on Five Star Index, with an average rating of 2.5 out of 5.
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Timo
Salary match + cashback is a no-brainer for making a few extra bucks every month. Overall, super smooth and a great experience.
Response from KrakSep 3, 2026
You know what's good, Timo! 🤝🐙
Joy F.
Used Krak concierge for the first time and everything went super smoothly. Got a solid discount + cashback, was def worth it. Overall the app is clean and really easy to use. Would definitely recommend!!
Response from KrakSep 3, 2026
Awesome! It's great to hear you enjoy using the Krak app and concierge options! Thank you for taking the time to share, Joy. We're here if you need anything 🐙
Kara
The Krak Kard has completely replaced every other card in my wallet, and it's easily become my favorite. Setup was instant. I had my virtual card running through Apple Pay in minutes, no waiting around. What really won me over is the cashback: up to 2% uncapped on eligible purchases, and there's zero catch with fees. No monthly fees, no annual fees, no hidden FX or transaction junk that other cards love to sneak in. I stay hyper vigilant on those fees, and it's the first thing I look for in a card. I love that I can control everything right from the app. Freezing the card, setting my spending order, managing PINs, it's all right there and dead simple. Plus, it works everywhere Visa and Mastercard are accepted, so I've never once run into a place that wouldn't take it. It's also pretty cool-looking. I love the design, and I always get asked about it. I always get a comment from the cashier when I place it on the counter (the metal has a cool sound 😎). Finally, the cherry on top: Being able to hold and spend in hundreds of currencies, with real-time conversion at checkout, is such a game-changer. Krak Kard is my go-to card. 🖤 🧡
Response from KrakSep 3, 2026
Hey Kara, you got us feeling extra special after reading your review 🧡
Adrian
Krak App has been awesome; love my new debit card, the flexibility to hold my cash in USDG and earn a way better return than my HYSA at Wealthfront, and investing at my fingertips. Also really like that my Kraken balances are easily usable here. Helps me keep my investing and my saving in one place.
Response from KrakSep 3, 2026
Thank you for sharing your experience, Adrian! May you continue making Krak part of your everyday 🤝🐙
Kristoffer Ö.
Just works well, I have the metal card and it feels awesome, and is even photo-safe, since the card-details are all in app, so its easy to use the card everywhere, and it looks and feel amazing! I use the physical card just because I like how it look and feels! :D
Response from KrakSep 3, 2026
Hey Kristoffer, the power of Krak is in your hands, enjoy! 🤝🐙
Andrew D.
Love the rewards, managed to earn over £100 in cashback and 4% on my spending balance. Absolutely love it, and the new ui is great!
Response from KrakSep 3, 2026
Thanks for the kind words, Andrew! Great to hear you're enjoying the rewards and cashback, and glad the new UI is landing well. Feel free to reach out anytime if you have any questions or feedback 🐙
Adam
Cashback 2% works, Good conversion rates for card. I can transfer between other banks in EUR in seconds.
Response from KrakSep 3, 2026
Enjoy all the goodies, Adam! 🤝🐙
Gabriele G.
I’m using Krak as my main personal bank account. It’s free, they have a card I can use with Apple Pay (2% cashback, sweet!) and free SEPA transfers. plus I can send money to my friends all over the world for free, even countries where Revolut and other fintechs don’t operate (looking at you, Canada!).
Response from KrakSep 3, 2026
Hey Gabriele, we're very proud to know you've made us your main 🧡🐙