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Krak Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 60/100 (#15 and #18 of 26 cards). Pick Krak Card for a lower FX fee; pick Tangem Pay for cashback, more countries and control of your funds.

Krak Card60

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

Get KrakenRead the review
Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 60/100 (#15 and #18 of 26 cards).
  • Tangem Pay pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Krak Card lists 32 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA, and only Tangem Pay is confirmed in UAE.
  • Krak Card is custodial; Tangem Pay 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
Tangem Pay
G2M score
60
62 (better)
Base cashback
Not published
1%
Max cashback
2%
4% (better)
Paid in
Not published
USDC
Annual fee
Free
Free
FX fee
1% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Supported; fees not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa / Mastercard
Visa
Card type
Debit
Debit
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
No
Unclear
UAE
No
Yes
United States
Yes
Yes
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
32
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Krak Card
Basic · Plus · Prestige
Perks
—
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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 Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 60/100 (#15 and #18 of 26 cards). Pick Krak Card for a lower FX fee; pick Tangem Pay for cashback, 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 Tangem Pay?

Neither card has an annual fee. Krak Card charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Krak Card or Tangem Pay?

Tangem Pay pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 4% on Tangem Pay.

Which works in more countries, Krak Card or Tangem Pay?

Krak Card lists 32 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA, and only Tangem Pay is confirmed in UAE.

Who holds my funds with Krak Card and Tangem Pay?

Krak Card is custodial; Tangem Pay 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.