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Updated October 17, 2026 · HodlCue Editorial Team

Kraken vs Wirex Card

Kraken scores 9.4 and Wirex Card 9.1 out of 10. Compare their differences and shared features below.
Kraken

Kraken

Higher score in this comparison

9.4/10
Visit
Wirex Card

Wirex Card

9.1/10
Visit

Kraken vs Wirex Card: the differences

Kraken vs Wirex Card
CompareKrakenKrakenReviewVisitVisitWirex CardWirex CardReviewVisitVisit
Monthly fee€0$0
Free ATM withdrawals€0$0
Cashback rate0.5% to 2%0.5% to 8%Higher
Card networkMastercardVisa
Currencies600from 150

Same on both: Currency conversion fee (0%), Card type (Debit), Custody (Self custody).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Kraken scores higher overall: 9.4 vs 9.1.
  • Wirex Card is licensed in 2 more countries.
  • Cashback rate is higher at Wirex Card: 0.5% to 8% vs 0.5% to 2%.
  • Features: only Wirex Card offers Self custody.

Our verdict on each

Kraken

Kraken suits frequent crypto users who keep trading balances on exchange and want those balances spendable through a card without added card upkeep. It pairs a debit card on Mastercard with a monthly fee of €0 and conversion fees of 0%, which keeps routine spend predictable for cardholders.

Read the full Kraken review

Wirex Card

Wirex Card suits business users who want to spend stablecoins and crypto from a self-custody account. The monthly fee is $0 and the currency conversion fee is 0%, which keeps everyday card costs low for anyone paying suppliers abroad in many currencies.

Read the full Wirex Card review

Score breakdown

Kraken vs Wirex Card
AreaKrakenWirex Card
Cost9.3Monthly charge of €0 with conversion fees of 0% keeps routine card costs contained.9.4HigherMonthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared.
Offer9.0Card access to 728 with staking on ATOM, SCRT and KSM widens use beyond payments.9.2Higher
Trust9.7HigherSupervision linked to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network supports confidence in handling.8.7

From lowest to highest

Kraken vs Wirex Card
FactKrakenWirex Card
Cashback rate0.5% to 2%0.5% to 8%

Where these facts come from

Kraken

  • support.kraken.com: 6 facts, checked September 28, 2026
  • kraken.com: 2 facts, checked September 28, 2026
  • krak.app: 1 fact, checked September 29, 2026

Wirex Card

  • wirexapp.com: 14 facts, checked September 26, 2026

How they place

Kraken vs Wirex Card
RankingKrakenWirex Card
Crypto debit cards9 of 14515 of 145

Every fact side by side

Kraken vs Wirex Card
FactKrakenWirex Card
FeaturesMulti currency, Crypto, Virtual card, TravelMulti currency, Crypto, Virtual card, Self custody, TravelCovers more
AudienceNot confirmedBusiness
Legal entityNot confirmedWirex Limited
HeadquartersNot confirmedUnited Kingdom
FoundedNot confirmed2014
Support channelsNot confirmedEmail, Chat, Help centre, Community

Crypto exchanges

Kraken vs Wirex Card
FactKrakenWirex Card
Taker fee0.05% to 0.8%Not confirmed
Coins listed728Not confirmed
RegulatorsCentral Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI)Not confirmed
Fiat deposit methodsCard, Bank, SEPA, ACH, Apple payNot confirmed
Maker fee0% to 0.4%Not confirmed
Proof of reservesYesNot confirmed
DerivativesYesNot confirmed
Exchange typeCexNot confirmed

Crypto wallets

Kraken vs Wirex Card
FactKrakenWirex Card
Wallet typeMobileNot confirmed
Price$0Not confirmed
Coins supported728Not confirmed
Backup optionsSeedNot confirmed

Where each stands against the rest

Kraken vs Wirex Card
FactKrakenWirex CardMedian
Currency conversion fee0%below the median0%below the median0.25%
Cashback rate0.5% to 2%at the median0.5% to 8%highest quarter2
Currencies600highest quarterfrom 150above the median30

Median across 58 listed providers.

Pros and cons

Kraken

Pros

  • Monthly fee of €0 keeps ongoing card costs low for regular spenders
  • Conversion fees of 0% favour cross border card use versus Bit2Me at 0.95%
  • Cashback of 0.5% to 2% adds value on eligible card spending

Cons

  • Free ATM allowance of €0 restricts cash withdrawals for frequent ATM users
  • Support runs on chat and help centre only, which limits choice for people who prefer phone help
  • Cashback of 0.5% to 2% varies by activity, so returns depend on card use

Wirex Card

Pros

  • A monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor
  • Custody is self custody, so the keys sit with the account holder rather than with the platform
  • A debit card on the visa network, with a virtual card among the listed features

Cons

  • The free ATM withdrawal allowance is $0, so cash withdrawals cost extra
  • Support runs on email, chat and help centre only, so there is no phone line listed
  • The listed audience is business, so the card is not aimed at personal account holders

Who each suits

Kraken

Who it suits

  • Exchange holders who want trading balances spendable by card rather than moved off venue
  • Card payers who value low upkeep and who accept eToro instead where ATM needs dominate

Who should look elsewhere

  • Cash heavy users who may prefer eToro for its free ATM range of €2,500 to €12,000 over €0
  • Phone support seekers who may prefer bunq if assisted channels matter more than chat and help centre

Wirex Card

Who it suits

  • Business users paying suppliers in stablecoins or crypto
  • Anyone who wants to hold the keys themselves, with custody listed as self custody
  • Multi-currency spenders and travellers, with from 150 listed currencies

Who should look elsewhere

  • Monzo Flex, whose monthly fee is £0, suits readers who want everyday banking without touching crypto
  • Wise, whose monthly fee is £0, is the fit for multi-currency spending with no digital assets on the account
  • Bitpanda, at a monthly fee of €0, is the alternative for a card centred on digital assets rather than business banking

Current offers

Wirex Card

Current offer

  • Discount code

    50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)

    Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions

    Source, checked September 26, 2026

  • Bonus

    Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier

    Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance

    Source, checked September 26, 2026

  • Bonus

    Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers

    Via the cashback portal at cashback.wirexapp.com

    Source, checked September 26, 2026

Questions about each

Kraken

What does the Kraken card cost to keep and use?+

The card carries a monthly fee of €0 and conversion fees of 0%. Cashback of 0.5% to 2% applies to eligible spend. Exchange trading uses maker fees of 0% to 0.4% and taker fees of 0.05% to 0.8%, so card costs stay distinct from trading costs.

Who regulates Kraken for this product?+

Kraken lists oversight connected to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network and holds registrations including MiCA CASP 9845003D98SCC2851458. The legal entity named is Payward Europe Solutions Limited. These permissions relate to crypto and payment services and vary by product and domicile.

Wirex Card

How much does the Wirex Card cost to hold and to use?+

There is no standing charge: the monthly fee is $0 and spending abroad converts at a currency conversion fee of 0%. Cashback on purchases runs at 0.5% to 8%, so the card earns a small return as well.

Is the card aimed at business users?+

The listed audience is business, and the card is built for that group. The monthly fee is $0, so keeping the card costs nothing, and the listed features include multi-currency, crypto, virtual-card, self-custody and travel functions.

Other options to compare

Kraken

Visit

Wirex Card

Visit