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Krak Card vs Tuyo Card

Tuyo Card scores higher on the G2M score: 61/100 against 60/100 (#17 and #18 of 26 cards). Pick Krak Card for a lower FX fee; pick Tuyo 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
Tuyo Card61

#17 of 26 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • Tuyo Card scores higher on the G2M score: 61/100 against 60/100 (#17 and #18 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 2%.
  • Krak Card lists 32 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom, and only Tuyo Card is confirmed in UAE.
  • Krak Card is custodial; Tuyo 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
Tuyo Card
G2M score
60
61 (better)
Base cashback
Not published
Not published
Max cashback
2%
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Supported; fees not published
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa / Mastercard
Visa
Card type
Debit
Spend
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
Yes
United States
Yes
Yes
United Kingdom
Yes
No
EU / EEA
Yes
Yes
Countries
32
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Krak Card
Tuyo Card
Perks
—
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000

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 Tuyo Card?

Tuyo Card scores higher on the G2M score: 61/100 against 60/100 (#17 and #18 of 26 cards). Pick Krak Card for a lower FX fee; pick Tuyo 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 Tuyo Card?

Neither card has an annual fee. Krak Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Krak Card or Tuyo 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 Tuyo Card?

Krak Card lists 32 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom, and only Tuyo Card is confirmed in UAE.

Who holds my funds with Krak Card and Tuyo Card?

Krak Card is custodial; Tuyo 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.