Send and receive money instantly with Krak – the fast, secure, and easy way to pay anyone, anytime. No banks. No hassle. Just tap and go.
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.
DISCLAIMER
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.
An absolutely user friendly app with a lot of potential.
Onimitsu88
Krak has been a convenient way to manage crypto and move money around without making the process feel unnecessarily complicated. I like the simple interface and how easy it is to keep track of transactions. It feels modern and practical, especially for someone who wants crypto functionality without having to navigate a complicated platform.
Developer Response
Thanks for the 5-star review! We're glad that you're making more of your crypto and are able to navigate the app with ease 💜
Horrible customer support. BLATANT ROBBERY
nickel joker
My account was instantly locked after first deposit of 200 euros. Only AI automated reply when seeking customer support. No way to obtain a refund after weeks. Horrible customer experience. Blatant robbery.Update: not a single follow up email after weeks.I tries posting on krakensupport subreddit, but my post was immediately removed by mod(kraken support). Then they DM me telling me that my case was escalated. In reality, though, I never received any follow up email. I checked my mailbox multiple times daily including junk folder. It's been weeks, and I haven't received a single email from kraken or krak.Whenever I leave a comment on reddit about my experience, It just get drowned out by a bunch of bots posting things like "Kraken is the best!" Kraken seems to be trying to silence real user by deleting posts and flooding comments with bots. It's absolutely disgusting.
Developer Response
Thanks for sharing this with us, Nickel. We hear the frustration, and we'd like the chance to help resolve this for you. Please reach out via our live support or our official social channels and we'll get this escalated right away for you 🐙
Awesome start
mass_kestrel
This is great - user friendly and I love being able to earn a competitive yield on my USDG - this means I won’t have to transfer it back out somewhere else where it will earn a better rate. I’d love to see something like expense tracking and groups like Venmo/Splitwise. This would convince me to fully make the jump over to Krak. Thanks!
Developer Response
Your feedback is much appreciated and heard. If you have any other feedback let us know or reach out on our socials!https://support.kraken.com/articles/201351886-how-to-follow-kraken-on-social-media
Unfortunately confusing
lady foxtrot
To test it out I put $50 in my Krak and converted it to USDG for the APY benefits. But then when I wanted to use it to buy crypto I couldn’t figure out how to put that money in my Kraken. There’s a “transfer” that would show it had moved it, but only within the Krak app. When I went to my Kraken nothing had changed or been added; no activity changes noted in Kraken either. I’m currently waiting on support trying to figure out how to get my money into my Kraken. This seems like a poor UI issue, not a finance issue. Perhaps some tutorial videos are needed to permanently exist in the menu.
Developer Response
Hi there! Thanks for the feedback. 'Everyday' balance refers to the funds in the Krak app. On the right side you will see Kraken which is the balance in your Kraken account. If you want to move your Krak 'Everyday' funds to Kraken you need to select transfer after clicking on your 'Everyday' account. If this does not work, please reach out to us via another social media platform so we can review this in depth and assist. Here's how to reach us 👉 https://support.kraken.com/articles/201351886. Thanks a lot!
We’re always making sure Krak is easy, safe and secure for you to use.
This release contains various improvements and fixes.
Version 1.64.0
The developer, Kraken, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Search History
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
