Head to head
Krak Card vs Bybit Card EU
Two MiCA-licensed exchange cards. Since August 2026 Bybit pays a flat 1% to most users and charges 0.5% FX plus a conversion fee on crypto. Krak’s cashback depends on your balance, but it charges no fees on fiat spending and also serves the UK.
| Feature | Krak Card | Bybit Card EU |
|---|---|---|
| Our score | 8.0 / 10 | 7.8 / 10 |
| Card type | Debit | Debit |
| Custody | Custodial | Custodial |
| Cashback | 0–2% by balance | 1% flat (2–10% VIP) |
| Paid in | EUR / GBP / BTC | BTC / USDC |
| Annual fee | $0 | $0 |
| FX fee | 0% (spread on crypto) | 0.5% + 0.9% conv. |
| Availability | EEA · UK | EEA excl. Malta |
| Net value, eurozone* | +€180/yr | +€171/yr |
| Net value, Romania* | +€180/yr | +€103/yr |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | Krak Card | Bybit Card EU |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | +€60 | +€57 |
| Eurozone, 10% foreign · €1,500/mo | +€180 | +€171 |
| Eurozone, 10% foreign · €3,000/mo | +€360 | +€342 |
| Romania, 85% foreign · €500/mo | +€60 | +€35 |
| Romania, 85% foreign · €1,500/mo | +€180 | +€103 |
| Romania, 85% foreign · €3,000/mo | +€360 | +€207 |
Where the difference comes from
Both are MiCA-licensed exchange cards, and both are custodial. Since August 2026 Bybit pays a flat 1% to non-VIP users with no cap, and charges 0.5% FX on foreign-currency spending plus a conversion fee when you pay from crypto. Krak’s rate depends on your balance, 1% from €1,000, 1.5% from €10,000 and 2% from €50,000, but it charges nothing on fiat spending in any currency.
At the calculator’s €1,000 balance both cards pay 1%, so the difference is entirely fees and availability. In the eurozone they are within a few euros of each other; in Romania, Hungary or Norway, where most spending is foreign, Bybit’s 0.5% FX fee halves its cashback while Krak’s stays whole. Krak covers the EEA and the UK. Choose Bybit if you already trade there and hold a VIP tier that lifts the rate; choose Krak for the cleaner fee structure, for non-euro spending, or if you live in the UK or Malta, which Bybit does not serve.
Choose Krak if…
you want the cleaner fee structure, spend in non-euro currencies, or live in the UK.
Choose Bybit if…
you already trade on Bybit and qualify for a VIP cashback tier.