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Krak Card vs Solayer Card

Krak Card scores higher on the G2M score: 60/100 against 47/100 (#18 and #23 of 26 cards). Pick Krak Card for a lower annual fee and a lower FX fee; pick Solayer Card for more countries and control of your funds.

Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • Krak Card scores higher on the G2M score: 60/100 against 47/100 (#18 and #23 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.
  • Krak Card has no annual fee; Solayer Card costs $20 a year.
  • Krak Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Krak Card lists 32 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA.
  • Krak Card is custodial; Solayer Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Krak Card
Solayer Card
G2M score
60 (better)
47
Base cashback
Not published
Not published
Max cashback
2%
Not published
Paid in
Not published
Points
Annual fee
Free (better)
$20
FX fee
1% (better)
1.5%
Top-up fee
0% (better)
1%
Per-purchase fee
None listed
$0.15
ATM
Supported; fees not published
Supported; fee not published
Network
Visa / Mastercard
Visa
Card type
Debit
Credit
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
No
United States
Yes
Yes
United Kingdom
Yes
No
EU / EEA
Yes
No
Countries
32
154
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
3 currencies
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Krak Card
Membership
Perks
—
Referral points

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Krak Card or Solayer Card?

Krak Card scores higher on the G2M score: 60/100 against 47/100 (#18 and #23 of 26 cards). Pick Krak Card for a lower annual fee and a lower FX fee; pick Solayer Card for more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Krak Card or Solayer Card?

Krak Card has no annual fee; Solayer Card costs $20 a year. Krak Card charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Krak Card or Solayer Card?

Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.

Which works in more countries, Krak Card or Solayer Card?

Krak Card lists 32 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Krak Card and Solayer Card?

Krak Card is custodial; Solayer Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.