Updated September 29, 2026 · DebitCue Editorial Team
Kraken vs Revolut
Kraken
Higher score in this comparison
Revolut
Where Kraken and Revolut differ
| Compare | KrakenReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0% | 0% to 2% |
| Card network | Mastercard | Visa |
| Currencies | 600Higher | 160 |
| Free ATM withdrawals | Not confirmed | £200 |
| Cashback rate | 2% | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- Founded is lower at Kraken: 2011 vs 2015.
- Revolut is licensed in 2 more countries.
- Currencies is higher at Kraken: 600 vs 160.
- Support channels: only Revolut offers Email, Phone.
- Features: only Kraken offers Crypto.
Our verdict on each
Kraken
Kraken pairs a crypto wallet with a debit card that charges €0 a month and 0% for currency conversion, which suits people already holding digital assets and spending across currencies. Overall the card scores 7.3, with the offer side ahead of the cost side.
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Score breakdown
| Area | Kraken | Revolut |
|---|---|---|
| Cost | 9.4The monthly fee is €0 and the currency conversion fee is 0%, both at the bottom of the site spread. | 9.4Monthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. |
| Offer | 9.4Cashback of 2%, a virtual card, crypto, multi currency and travel and balances in 600 currencies give the offer its edge. | 9.9HigherRewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. |
| Trust | 8.9Higher | 8.6 |
Pick Kraken if, pick Revolut if
Pick Kraken if trust and currencies matter most.
Pick Revolut if offer matter most.
Availability and regulation
| Country | Kraken | Revolut |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 IE_CBI PSD_EMI IE_CBI!C453020 | Not confirmed |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
What we checked
Kraken
- krak.app: 7 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
- support.kraken.com: 1 fact, checked September 26, 2026
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Kraken | Revolut |
|---|---|---|
| Debit cards | 22 of 1336 | 23 of 1336 |
| Travel cards | 14 of 443 | 15 of 443 |
Every fact side by side
| Fact | Kraken | Revolut |
|---|---|---|
| Features | Crypto, Multi currency, Travel, Virtual cardCovers more | Multi currency, Virtual card, Travel |
| Legal entity | Payward Europe Solutions Limited | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Ireland | Cyprus |
| Founded | 2011Lower | 2015 |
| Support channels | Chat, Help centre | Chat, Email, Phone, Help centreCovers more |
Credit cards
| Fact | Kraken | Revolut |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Rewards type | Not confirmed | Points |
| Pricing model | Not confirmed | No annual fee |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Kraken | Revolut | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0% to 2%below the median | 1% |
| Free ATM withdrawals | Not confirmed | £200above the median | £100 |
| Cashback rate | 2%at the median | Not confirmed | 2% |
| Currencies | 600highest quarter | 160highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
Kraken
Pros
- The monthly fee is €0 and the currency conversion fee is 0%, so travel spending adds no conversion cost.
- Cashback of 2% rewards ordinary card spend.
- Balances span 600 currencies and crypto, multi currency and travel covers crypto, multi-currency, travel and a virtual card.
Cons
- Support runs on chat and help centre, with no phone number in the list.
- It is a debit card, so spending stops at the balance held and no credit record is built.
Revolut
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
Who each suits
Kraken
Who it suits
- People who already hold crypto and want a card that spends it.
- Readers paid in several currencies who convert at a 0% conversion fee.
- Travellers who want crypto, multi currency and travel covered by one card.
Who should look elsewhere
- Wise, for a multi-currency account rather than a crypto wallet: its monthly fee is £0.
- Varo Believe Secured Credit Card, if the aim is building a credit record with a secured card rather than spending digital assets.
- Chime Card (Secured Visa Credit Card), for a secured Visa credit card with a $0 monthly fee.
Revolut
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
Country by country
| Country | Kraken | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
Questions about each
Kraken
What does the Kraken card cost each month and abroad?+
The monthly fee is €0 and the currency conversion fee is 0%. Because the card type is debit, there is no revolving balance to pay interest on. It holds position 1 of 419 on monthly fee and position 1 of 259 on currency conversion.
Who regulates Kraken, and where is the entity based?+
The card runs through Payward Europe Solutions Limited, based in Ireland and listed with the Central Bank of Ireland under MiCA CASP 9845003D98SCC2851458 for crypto services, plus an electronic money licence recorded as PSD_EMI IE_CBI!C453020. The exchange itself was founded in 2011.
Revolut
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.