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.
Also known as
krak.app
Website
krak.app
Category
Banking & Money
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 98% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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N’importe quoi cette banque des tickets sans réponse depuis plus de 10 jours de l’argent bloquer sans aucun signe d’un agent à par leurs « IA » qui réponds à l’aide de ces connaissances je déconseille fuyez
Mon Ticket :
le ticket #23068340
Response from KrakOct 14, 2026
Bonjour, veuillez nous envoyer un message privé sur une autre plateforme de réseaux sociaux afin que nous puissions examiner la situation :
https://support.kraken.com/articles/201351886-how-to-follow-kraken-on-social-media
AJ
Ajie
Very painful Experience from a former Krak customer
My experience with Krak has been absolutely terrible, and I would not recommend this platform to anyone based on how I have been treated.
Krak restricted/closed my account and left my money inaccessible, while my repeated attempts to get help were met with silence and an unacceptable lack of communication. What makes this experience even more painful is that I explained my situation to them and begged them to release or refund my money because I urgently needed it to pay my rent.
I explained the seriousness of my situation, but my pleas were ignored. I was desperately trying to access my own funds to keep a roof over my head, yet I received no meaningful assistance. The situation eventually became so serious that I was forced out of my apartment. This has caused me enormous distress, and I feel completely let down by a company that should take its customers and their money seriously.
What I find particularly disturbing is that the payments into my Krak account came from my own business account, which carries my name. I am not asking for someone else’s money. I am asking for access to my own funds and a proper explanation of why they have been withheld. If the company had concerns about the transactions, it should have communicated clearly, explained what documentation was needed, and handled the matter professionally.
Instead, my experience has been one of frustration, unanswered messages, uncertainty, and a complete lack of empathy. When a customer is facing a serious financial emergency, the least a financial platform can do is communicate honestly and provide a clear process for resolving the issue.
Here are the biggest problems with my experience:
* Extremely poor customer service: Getting a meaningful response has been unnecessarily difficult.
* Lack of communication: I have been left without clear answers about my funds.
* Failure to address an urgent situation: I explained that I needed my money to pay rent, yet I felt completely ignored.
* Financial and personal consequences: I was forced out of my apartment while struggling to access my own money.
* No satisfactory resolution: I still need a clear explanation and confirmation of when my funds will be returned.
* Loss of trust: This experience has seriously damaged my confidence in Krak as a financial service provider.
* Lack of accountability: Customers should not have to repeatedly beg for answers about their own money.
I understand that financial platforms may have compliance and security procedures, and I am not suggesting that every account restriction is automatically unjustified. However, customers deserve timely communication, transparency, fair treatment, and a clear process for recovering their funds.
Krak, this is not just about customer service anymore. This has affected my housing and my life. I trusted your platform, and the way this situation has been handled has left me deeply disappointed and distressed.
I want my money returned, a clear written explanation of what happened, and a proper response to my complaints. No customer should have to go through this kind of ordeal simply to access their own funds.
In my personal experience, Krak has provided one of the worst customer service experiences I have ever encountered. I would strongly advise anyone considering this platform to carefully research its withdrawal and account-closure procedures before trusting it with money they may urgently need.
My experience has been deeply damaging, and I will not consider this matter resolved until my funds are returned and I receive a satisfactory explanation.
Response from KrakOct 13, 2026
Hi Ajie, we want to assure you that we never close accounts without valid reasons. Closures are initiated only when we identify prohibited activity or determine there is a significant risk of fraud.
We highly recommend that you familiarize yourself with our article on this subject: 👉 Account Closures: Safeguarding Our Clients and Kraken https://support.kraken.com/hc/en-us/articles/account-closures-safeguarding-our-clients-and-kraken.
Let us quote one of the most important paragraphs from it: "When an account is closed, all services are immediately disabled, and further use of your Kraken account is not permitted. However, you can withdraw your remaining crypto and cash balances to a previously used wallet or bank account."
As you can see, even if we decide to close an account, clients can always withdraw their assets.
We understand that the speed of service has not met your standards as we've been dealing with higher volumes than usual. Please get in touch with us via X so that we can locate your case and expedite this process: http://x.com/kraksupport.
We are committed to getting this sorted for you.
Krak Support
PT
Paulina T.
I though this bank is somethinf else i…
I though this bank is somethinf else i was happy for 2 days since i open this account i have even tell family and friend about this bank buy suddenly my account is under review money on hold cannot withdrawal or move my own money from this account live chat ahh only AI who telling allways the same and on emails nobody reply dont recommend this bank sorry but no there is not even time scales nothing worst
Response from KrakOct 12, 2026
Thank you for reaching out, Paulina. We understand your frustration and we want to help get this sorted out for you. Please reach out via live chat or our official social channels with your ticket number so we can follow up with the team and get things moving 🐙
GT
Gerhard T.
Mein Konto ist gesperrt und ich kann…
Mein Konto ist gesperrt und ich kann mein Geld nicht auszahlen. Ich wurde aufgefordert das Geld innerhalb 10 Tagen abzugeben. Aber die schalten die Option zum Auszahlen nicht frei. Diese Bank betrügt euch um Euer Geld. Absolut schlechter Kundenservice.
Response from KrakOct 12, 2026
Danke, dass du dich meldest, Gerhard. Wir verstehen deinen Frust und möchten dir helfen, die Situation zu klären. Bitte kontaktiere uns über unseren Live-Chat oder unsere offiziellen Social-Media-Kanäle und teile uns deine Ticketnummer mit. Dann können wir direkt beim zuständigen Team nachhaken und helfen, die Bearbeitung voranzubringen 🐙
SB
Sarrah B.
Attention arnaque
Attention arnaque, j'ai plus accès à mon compte depuis 3 semaines , impossible de joindre le service client que par pail, 15 mails envoyés , 0 reponses , Ticket # 22905918, fuyez cette pseudo bank c'est catastrophique
Response from KrakOct 12, 2026
Bonjour Sarrah 👋
Nous sommes désolés que vous ne puissiez plus accéder à votre compte depuis trois semaines et que vous n’ayez reçu aucune réponse. Nous comprenons votre frustration.
Nous avons retrouvé votre dossier et confirmons qu’il a déjà été transmis à l’équipe concernée. Votre demande n’a pas été oubliée. Merci de surveiller votre boîte e-mail pour les prochaines mises à jour.
🐙
JJ
Jodie J.
Don’t trust these people they are the worse and customer service is 00000000000
Hi . Krak have closed my account apparently there was a chargeback case which I knew nothing about my account was restricted for 7 days before someone reached out to me .
The person who claimed a charge back had a full refund via another method .
I have money in my account and my government benefit payment has gone in there and I can’t access it I can’t log into the app .
I have a 6 month old baby and that money was for our essential items . It’s been over 7 days and no one is replying .
I need access to that money . It’s causing my great deal of stress as my baby needs formula milk
I made a Facebook and contacted someone then magically got an email just for a generic response saying the team will review it . This really isn’t good enough . I want access to my money it’s HMRC benefits child benefit that you can not keep .
There’s no reason my account should be closed iv held it for more than 6 months have regular activity on it
Ticket number 22946179 speaking to someone called sugar and Jane apparently ,
Response from KrakOct 9, 2026
Hello, thank you for sharing this, and we're really sorry for the worry.
We've got your last message and have forwarded it to the team on your case so they can look at it again.
We'll do everything we can to help, and they'll be in touch by email.
Krak Support 🐙
JK
Jk
Really poor customer service none existent
Really poor customer services . Infact I’d stand by saying human customer service is non existent! I opened my account and a family member borrowed me some money for essentials for me and my baby my account has now been locked it’s been 2 days and not one person has contacted me only AI saying I can’t speak to a live human . I do not have social media to message anyone . I have benefits going into this account tonight and it’s locked ! I need my benefits and money I borrowed . Stupid decision and lesson learned to go with this money app . My case number is 23041660. I’d like a human to respond
****Edit
Support is not available to me I just keep getting met with you have a support ticket I have replied via the ticket and no one replies back to me . Most of the reviews here seem to be along the same lines you lock peoples account and keep the money . Why has my account been restricted for what reason has printed this ?
Response from KrakOct 9, 2026
Hi J,
Support is available 24/7 through live chat, email, and social media. You opened your support ticket yesterday, and it is in the queue to be addressed promptly.
Account restrictions are typically applied for security or compliance reasons, and we take these actions very seriously. While account restrictions may limit certain activities such as buying, selling, or withdrawing, rest assured that your funds are safe and will remain in your account until the issue is resolved.
The specialized team will reach out via email shortly to address your request.
Krak Support 🐙
KA
Kaies
KRAKEN, WHAT IS STOPPING YOU FROM RETURNING MY MONEY
It is October 8, 2026, and my situation with Krak/Kraken has become absolutely unacceptable.
My account was restricted on September 9, then permanently closed on September 28. I was instructed to withdraw my remaining funds within 10 days, and I submitted my withdrawal request immediately.
**TEN DAYS LATER, MY WITHDRAWAL IS STILL PENDING!**
I have provided the official banking documentation requested. I have sent multiple emails, followed up repeatedly, and contacted support under ticket #22676947.
And what do I receive? The same generic responses: "We have escalated your case" and "Thank you for your patience."
**WHAT EXACTLY IS PREVENTING YOU FROM RETURNING MY MONEY?**
You decided to close my account. I respected your decision and followed your withdrawal instructions. So why am I still waiting for my own funds?
How many more emails, escalations, and complaints will it take to receive a clear answer?
**STOP ASKING ME TO BE PATIENT. START PROVIDING REAL ANSWERS AND TAKE ACTION.**
I am demanding a concrete explanation, a clear withdrawal timeline, and the prompt processing of my remaining funds.
Ticket #22676947.
Response from KrakOct 8, 2026
Hi Kaies,
Your withdrawal is currently under review to confirm that you’ve followed the provided instructions, which is a standard procedure.
Rest assured, your withdrawal will be reviewed shortly. It’s important to note that submitting multiple reviews will not expedite the process for the team as they work through the queue. We appreciate your understanding.
The team will follow up on your support ticket as soon as possible to finalize the closure of your account.
Thank you for your patience in the meantime,
Kraken Support 🐙