This is Metal

Unlock maximum cashback and a stainless steel card by holding assets across Krak, Kraken and Kraken Pro.

The TL;DR

The Krak Metal Card is your passport to maximum cashback — an industry-leading amount of up to 2%, uncapped, paid out in Euro.

Weighing in at 16g of precision-milled stainless steel, Metal is free. All you need is a 30-day average of €50,000 or more in assets held across Krak, Kraken and/or Kraken Pro.

Cashback, turbocharged

With Metal, you get the best that Krak has to offer: maxed-out cashback, increased spending limits and higher ATM withdrawals.

With up to 2% back on every purchase, it's the easiest way to reduce your day-to-day costs with USD paid back to you. Best of all? It's completely free — with no subscription fees or staking requirements to access our best benefits.

Here's what you can expect in annual rewards based on your monthly spend.

Feature	Metal (2% cashback) Metal (2% cashback)	Tier 2 (1.5% cashback) Tier 2	Tier 3 (1% cashback) Tier 3	Tier 4 (0.5% cashback) Tier 4
€3,000/mo	€3,000/mo €720	€540	€360	€180
€5,000/mo	€5,000/mo €1,200	€900	€600	€300
€10,000/mo	€10,000/mo €2,400	€1,800	€1,200	€600

How to get the Krak Metal Card

To get Metal, you just need to hold €50,000 (based on a 30-day average) in assets across Krak, Kraken and Kraken Pro.

We'll notify you (via the app and by email) as soon as you qualify.

When you hit this number, head to the Card tab in the Krak app, and select Get a Metal Card. We'll get the physical card to you within two weeks — but you can start spending with Apple Pay or Google Pay immediately.

No lockups

Where Metal stands out versus similar premium offerings is that it requires no commitment: your account balances remain yours — ready to spend or move at a moment's notice.

And if your 30-day average drops below the threshold, don't worry about it: you can keep your Metal card, but your limits will adjust to those of lower tiers.

Luxury travel via Krak Concierge

Metal holders gain access to our elite travel service: Krak Concierge.

Get members-only pricing on luxury stays at over 1m hotels globally — and make your money work harder with a boosted rate of 4-6% cashback when you do.

Visit Krak Concierge

How Metal stacks up

Below, we compare some of the highest-tier offerings available today:

Feature	Krak Metal Krak Metal	PayPal PayPal	Cash App Cash App
Monthly fee	Monthly fee €0	€0	€0
Cashback	Cashback Up to 2% (uncapped)	Up to 5% (rewarded as points)	No baseline cashback rate
Boosted cashback?	Boosted cashback? 4-6% (Krak Concierge)	Limited	Limited
Free monthly ATM withdrawals	Free monthly ATM withdrawals €4,000 limit	€12,000 limit	€4,000 limit

Frequently asked questions (FAQs)

How to get the Krak Metal Card?

The Krak Metal Card can be ordered via the Krak app.

How do I qualify for the Krak Metal Card?

The Krak Card is available to users of Krak, Kraken and Kraken Pro who hold a combined balance of €50,000 in assets across these platforms.

How is the Krak Metal Card different from the standard Krak Card?

Forged in precision-milled stainless steel, the Krak Metal Card weighs in at 16g. With Metal, you unlock the maximum cashback rate of 2%, and benefit from increased thresholds on ATM withdrawals and daily/monthly spending.

Is the Krak Metal Card worth it?

The Krak Metal Card is free: all you need to do is hold assets totaling €50,000 across Krak, Kraken, and/or Kraken Pro.

Krak debit card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Krak is a financial technology company, not a bank. Account balances are not FDIC- or SIPC-insured. Digital assets converted to USD at purchase; values may fluctuate. Available to eligible U.S. residents only; not available in all states. See terms.