Krak: Money App & Cashback

this is exactly 💯 👏 percent perfection in your reputable organization

Like Cashapp but way better!

good

I'm an EU citizen, from North Finland, I opened an account here not for crypto but for freelance work. out of curiosity I tried this and my salary came but they on hold it for hours. they restricted my acocut without reason and no explanation they gave. 3600€ was frozen. I tried to reach the support system, they fled. I went to X platform and found their support system and asked for help. after 11 hours, they solved it. I assure you that don't open acocut here, I swear you will suffer .

easy to use and not too complicated great bank

best ever

love it it's great and not complicated

new app design is awful, everything is incredibly slow

Super

I'll turn to five stars once the issue is fixed but can't log in so can't use your services 😭 once I enter my email and password, I do the authentication and it just loads. it's so bad that I left it loading for half hour while playing games and nothing happened? like come on 😂

love it

app is a terrible peer to peer app. they put a 7 day hold on money and it's not my bank because I called them. who wants to wait 7 days. cash app and venmo are instant. this is a joke.

worst customer service ever been weeks waiting for a response still nothing

don't understand, already have kraken acc. its purple?

I love this app, but I give it 4 stars because just like Coinbase you don't own keys to your crypto and it's very expensive (at least for a poor woman like me lol) to move up in tiers in order to get a physical card. Not a dealbreaker, though, because having a tap to pay virtual card that spends crypto like dollars for day to day purchases is outstanding for me. I could see it being an issue for people that don't have NFC capable phones, however.

Great app!

great app great company

one of the best in market and ticks all boxes in customer service. Yes strict on Regulation as well.A5*****

I am facing an issue in crak. When I get my bank statement, it does not mention the account number and sort code. Please tell me the solution.

good app

Excellence

Incredible app.

Great app, user friendly, any questions asked of the support team are answered promptly.

nice, works well

I opened this card very easily, but I don't understand how to order the physical card. I also wanted to ask: can I deposit cash at an ATM in Germany?

Excellent!

Krak restricted my account without notice or explanation. I can't withdraw my money, and both my active cards have disappeared. I've contacted support multiple times but received no response. Their website says reviews can take up to 60 days, leaving me uncertain when I'll regain access to my funds. This experience has seriously damaged my trust in Krak. Customers deserve transparency, timely support, and access to their money. I hope Krak resolves this issue promptly and improves its customer

not very nice at all, my money is stuck and aint allowing me to withdraw or anything, try to speak to someone and all I get is nothing, turned off to the point that messages aint even going through onto virtual chat

Seriously only 30 transactions allowed a day??? Boooooo now my money is stuck.. I was at the grocery store trying to pay for my groceries and was unable too! Thanks Krak for the big embarrassment! id leave 0 out of 5 if I could..

I don't like the limits

Did not honour the referral bonus even though I completed all required steps. Zero support, zero email support. Ai assistance takes you round in loops and takes days for humans to reply, with no notification they have sent a message, and therefore chats get closed.

so in my opinion kraken money wallet this is the best one your crypto is safe they teach you what to do help me out they speak to you know not try to rush you or hide things up to be something that is not it's for you to lay back like this with a real ones be at me chilling so you ask me I'm coming over here I like to cool it over here y'all over there with them but this is where it's at 5 stars 🤩🤩🤩🤩 I had even left for a little minute I'm saying when I came back all my stuff was still there

really easy to use, great rewards

𝐭𝐡𝐢𝐬 𝐢𝐬 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐮𝐬𝐞𝐥𝐞𝐬𝐬 𝐚𝐧𝐝 𝐚𝐧𝐧𝐨𝐲𝐢𝐧𝐠 𝐚𝐧𝐝 𝐥𝐲𝐢𝐧𝐠 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐩𝐥𝐞𝐚𝐬𝐞 𝐝𝐨 𝐧𝐨𝐭 𝐝𝐨𝐰𝐧𝐥𝐨𝐚𝐝 𝐭𝐡𝐢𝐬 𝐚𝐩𝐩 𝐭𝐡𝐞𝐲 𝐰𝐢𝐥𝐥 𝐡𝐨𝐥𝐝 𝐮𝐫 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐩𝐥𝐮𝐬 𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐭𝐡𝐞𝐧 𝐭𝐡𝐞𝐲 𝐰𝐢𝐥𝐥 𝐠𝐢𝐯𝐞 𝐮 𝐭𝐡𝐞 𝐞𝐱𝐜𝐮𝐬𝐞𝐬. 𝐰𝐡𝐚𝐭 𝐚 𝐮𝐬𝐞𝐥𝐞𝐬𝐬 𝐚𝐩𝐩

do not add this app. They keep your money and try to scam you. I put $500 and tried to withdraw $487 and it's been almost a month that it has been on hold. I have emailed probably about 10 times and I haven't received any responses. SCAM APP, SCAM APP

terrible service. cant speak to a human at all, just robots. cant get your money back because the robot just goes round im circles. ive been trying to get my.money back now for over a month for something that should have been straight forward and taken 5 mins but no its all robot and AI im definatly going back to my highstreet bank where I can speak to a human. krak your absolutely shambolic and by far the worst bank I've experienced.

I've always used and loved the app Kraken! But only rated it 4 stars Because transferring the money I made on it couldn't transfer to the money apps I used at the time But NOW it gets 5 stars and I realized that they were listening to our suggestions!!

It's pretty cool to have options!!?

I love this app so much life savers

useless banned for no reason for 6 months dont use this app

the app is great i love it

love kraken

working well with no issues. easy to transfer across the Kraken ecosystem.

Excellent application for everyday use plus the guys are giving cash back which cannot say the same for traditional bank.

Well, the integration with Kraken is pretty cool. I can move cash and crypto back and forth between the two. Unfortunately I can't seem to do much else. When I try to deposit from my high street bank (TSB) my bank blocks the transfer as they think I'm trying to buy crypto. Mind you, having read all the people complaining their accounts got locked for no apparent reason, after depositing money, maybe that's just as well.

always been very solid

Very good

FAST!

i asked my employer to pay my salary directly to krak because of the 1% salary match promotion. now I find out that it doesn't meet the minimum requirements which aren't mentioned anywhere in the promotion. no * no nothing. I wasn't able to find any conditions then. Now I find it by tapping "set cashback" and there's a FAQs section. Well done if the goal is to hide the information

bad business get outta here

alhamdulillah this card very march and beautiful

very nice

best app for international affairs

it’s a scams. please don’t open this account. i can't withdraw my money.. around 50 times i send them email and they Don't reply yet.

Worst customer service ever. They froze my account for two weeks. They haven't replied to my emails or my tickets for two weeks. Avoid this awful app.

Exellent

good sarvice

very good 💯😊

Very good service and very easy to setup and use!

😁 Perfect

exactly what I've been looking for, excellent work team 👏

great app

phenomenal

Excellent so far. Very smooth

yes it's fantastic definitely my favourite bank... all the way cheers 🥂 I

loves the next of off 📴 allowed 🔙📜🏫🤝

Krak physical card and digital card works great better than other competitors in terms of reliability

love the app. Amazing

just works, zero fee transfers

you can actually do very better. I wish I have read your reviews before using the app I wouldn't have stuck up my funds with you guys. shame

kyc problem.... only show panding.

very bad,after a whole week still waiting for them to do something,first user,one transfer,funds blocked for no reason....🤔 reached support in app several times,the AI is telling me that there is no human available, i think more than 4 times in a week so nevermind...update,today 4 sept absolutelly nothing happened...

support iraq?

The krak debit card doesn't exist for Bosnia or Serbia, wasted my time...

I thought I threw it away

seamless, easy mobilization of my crypto to make payments without slippage.

easy to use works well

Works just great..👍

it's not what I expected it's great

they locked my account after I deposited money and I can't withdraw. scam app

I find Krak very suspicious. I await a generic reply to the following: I cannot find any information in their help section about FSCS protection of the GBP currency. Even their chatbot keeps saying it's not protected. For them to want me to put away £10K in there for a 2% everyday cashback, as well as Salary match is then a big No No. That money can be gone and you'll be sitting ducks. To make matters worse, there are no public helpline numbers. overall, I don't feel safe.

It was better in previous. But nowadays, nobody knows when their account will get suspended! And they don't even disclose what the fault is behind.

the best as always

works well. happy with the service so far

for more than 2 weeks now , money was refunded to my krak account which krak denied of no refund on my account and later close my account, after I contacted my sending Bank and i was to the money is with krak and my sending Bank gave me the tracking id which i sent to krak to confirm, since i sent the tracking id, krak refused to respond to me even when i send daily emails concerning the issue, krak still refuse to reply me.. I now believe the rumour about krak taking people's money is true.

it is scam app not sending withdrawal I have contact it they said they will take 2 business days but there are more than 7 days complete and not received my withdrawal Ticket # 22394023 they are saying manually review while they are scamming not sending the withdrawal

positive

Allow virtual cards for users outside Europe like for us in Africa.. stop excluding us

Awesome card, awesome app.

That's my Main Card now!!! if would be still working a Referral Program.... tonnes of people)) I would bring 🔥🐐☝️

very good 💯

great way to spend straight from your kraken acc, fü(K banks ygm

Kraken Challenge Bitcoin Profits Buys McDs! Thank you!

£798 salary frozen past 29 hours live chat frozen email support frozen krak stolen my money refusing to answer live chat and emails. I see you already have an open ticket with us, and unfortunately, I’m unable to transfer you to a specialist right now. As this matter is being handled by our email team, we kindly ask you to continue communicating with them via email. Rest assured, our team is working on your case and will get back to you as soon as possible. I’ll close this chat for now, but fee

scam app I have withdrawal but not received also they have close my account I have no option to track withdrawal also no option to contact no option to appeal Ticket # 22296382

perfect app

am so happy, it's fast transfer and reliable

great experience,easy to use

Awful, after the update it logged me out. I tried to login but it said password was wrong. In the past I had a Kraken account which I deactivated, deleted. I tried to recover the password and it sent me to the Kraken site, which was ok and I changed it. But when I tried to login, it asked for 2fa, I never put a 2fa on Krak, I had for Kraken in the past and obviously I don't have the key anymore. I don't see why Krak would ask me for the old Kraken 2fa key.

Scammers

i never saw worst banking than Krak ever! after 4-5 small transfer in period of 2 or 3 months they decided that they must closed my account without reason and somehow i accept that,but today same thing happend to my wifes Krak account, she had not more than 3-4 transfers which all were from family and not more tham 40-50€,now they hold her transfer and will close her account, totally scammers,run from this joke of a fake bank app! Also don't read all of this fake reviews, fully scammers!

WHY TF DOES IT TAKE 2 DAYS TO TRANSFER, IN TODAY'S AGE, and it seems even more blasphemous from a company that deals in crypto, Every bank even small banks are doing instant transfers, wth is wrong here, I'm deleting my account, I don't have time to remember to top up my account 2 days prior to do payments or transfers that reach 2 days after.

working too bad. give too much error. no lost your time. not install that

easy to use but i hope if you can add sek as a payment currency

Excellent App so far, shame it is missing the feature for GBP pockets / sub accounts for organising funds. Hope they add this soon to compete with other Digital banking apps.

5 stars for Krak. Beautiful card and great UI. I recently started using the Krak app, and I have had absolutely no issues so far. The platform is well-designed, easy to navigate, and has a great UI. It makes managing money straightforward and allows you to earn nice cashback rewards. I just got my Krak crypto debit card in the red coral color and it looks so good. It is a life-changing setup for end-to-end banking. Will absolutely recommend it to anyone looking for a better financial app. 💯

Easy to use, great cashback, rewards on your assets.

love how it integrates with the ecosystem so perfectly! looking forward to faster bank transfers when krak becomes a real bank!!!

Card keeps getting rejected everywhere and you can be looking at your PIN in the app, enter it exactly at the terminal and still be hit with "invalid PIN". Good cashback, absolute and utter garbage of a card.

scam site,please stop scamming, card showing delivered in jun 16,but still in did't arrive this,and my 2 dollor vanish my Account

the app is currently showing zero balance and none of my details. I can't access my money. Looks like a bug. Please fix it! edit: it got fixed after 2 days.

please guys don't download the app or open this account is one of the most useless bank i have ever seen my account was restricted for no reason, i mistakenly send a reasonable amount of money into this bank account, i have send a email more than 4 times up till now no response nothing has been done please don't open this account if not you will regret it as i am regretting it now.

If you implement transaction data exports in a sensible format, I'll give you 4 stars (parsing PDFs is not fun, and the app does *not* offer CSV as of 5th June 2025). And if you implement user-added transaction comments (even if they're stored only locally), I'll give you 5 stars.

my fully verified account is restricted. I cant withdrawal my 150€ on the account. the support said it will take only 24h hours to review the case. I am waiting since the 28th of May. I have an open support ticket that no one responds to. No crypto aplication ever has done this to me and left me without money days before my salary arrives when I need it the most and had such inneficient support

It's a SCAM. You start using it, you deposit and in a week you get "Funding Suspended", but it is not just funding, your whole account is blocked, you cannot pay, you cannot withdraw. And nobody replies to you, and you just talk to some AI bot, who btw did mention it could take 90 days to lift a restriction. Just to make it clear - their T&C do mention they can suspend account and that you cannot withdraw in that case, so yes, they can legally "keep" your money indefinitely. Stay away!

Great service and awesome account. only issue is not having a direct phone line to talk. But they took my queries seriously and got things sorted.

HOW COME THAT YOU HAVE A HUGE FEES ON MONEY DEPOSITS, WHERE 0 (NOBODY OF THE COMPETITION) CHARGES THAT, EVERYONE HAVE FREE MONEY DEPOSITS AND WITHDRAWALS (aswell as 0 monthly charges for using Your app) Which puts You on the very bottom of usable apps !!! "it says developer responded" - but YOU DID NOT ... wth, Google ? ALL DEPOSITS HAVE FEES WHEREAS 100% OF COMPETITION HAS 0.00000$ fees on DEPOSTS, even less when using FREE GOOGLE PAY (NOT FREE ONLY IN YOUR PAYMENT SYSTEM)

this app sucks because I can't transfer money to anyone unless they are using the same app. I have a friend that's an iPhone and they can't install it on their phones. there is no customer service just a bot. I can't get my money out of this app.

I like the app overall, it's easy to use but there are times when I can not access the app, it won't load rather on wifi or Mobile data and I am not able to access my funds for a period of time. 😕 wish they fixed whatever bug that is because it's happened twice since I've had the account.

very good .. fast dwlivery of card and worked first time on amazon whith no problems... highly recomened x

2% cashback is brilliant for the first month but after that, there's not much use unless you have £50,000 lying around to maintain the 2% rate. Given that krak is not FSCS protected, so who in their right mind would want to leave 50k in the account. It's not reasonable. Trading 212 provides 1.5% cashback with no balance requirement (albeit a £15 cap/m). Thus, I'll have to uninstall krak sadly. If your cashback eligibility rules were sensible, it'd be a 5* app.

Fantastic. Resolved an issue with an online scammer without a fuss.

the best product around! switched to Krak a few months ago and now it's my number one! love all Kraken products

Love Krak. It's like having another bank account but with many opportunities to invest in many different crypto. So easy to send crypto and money as well.

Biggest cr ap app ever. don't fall for the refer get rewards, they don't give nothing, and when you wang to check what is going on, well the customer's service will probably answer you with a scripted message not solving anything after about a week or two. of course if you don't forget every day to go to the chat and tap on yes I still need help otherwise the chat closes automatically.

I've really enjoyed using the app and I've accrued a fair amount of BTC rewards. I love how easy it is to transfer to my portfolio and back. However, I really dislike how the salary match is only for people who earn more than £2500 a month after tax. It's not clearly stated, and it discriminates between those of a lower economic position. I'm fine if there is a transferring threshold, e.g, an accumulation of all transfers in a month exceeding £2500 triggers the match.

I have tried the app but never passed the identification, always failed to register id even if you try many times and restart the process over and over, so i stoped wasting my time with failure in their program

I message customer support services for concern issues and he was telling me my account wasn't in line with krak immediately he close my account after been verified and I always use my krak account for transactions this totally stupidity of krak whereas krak never mail me that my account wasn't in line but due i message krak support he choose to close my account after been verified for some month whereas they didn't accept appeal form most worse crypto platforms

This is one of the worst financial apps I have ever used. They held my $15 and there is no clear explanation. Customer support is completely useless — they never reply and they ignore users. For a financial service, this is very unprofessional and unacceptable. It feels unsafe to keep money in this app because when something goes wrong, nobody helps you. I strongly warn people to stay away from this app unless you want to risk losing your money.

wouldn't recommend How it works is incredibly slow with online agents responding to help support & mo ey transfer, niggest no for me is it doesn't respect special features to names. and here i was told it was a better alternative to Rev, what a joke

Great app, although there was a glitch at one point that would not allow me to send, I spent some time with support on it... took a little while... but they did resolve the issue

This as well as Kraken are quick to take your money but impossible to withdraw it out. There customer service is terrible. I finally told them keep the money it's like getting blood from a turnip. Use Robinhood instead, so much nicer

Verification does not work. Weak programming often makes good ideas rubbish. UPD: you say that your customers can contact help crew following link you provided. But there is no any help team. Just useless faq list.

worst App ever. they scam people 😭 I made a deposit of $10 and wanted to withdraw it but it takes more than 4 days in progress yet I complained to their customer service, unfortunately what they did was to blocked my account and closed the account telling me to withdraw my funds while I can't do it. They have the worst customer service, They're bad Guys.

I regret using this app I must confess I just got introduced to this app and trying it within 3days my account was suspended and restricted for no reason this is so annoying and frustrating. I have funds in it and I can't make a transfer this wicked.. Please delete this app off your phone because they'll only fustrate the hell out of you

first and most importantly it doesn't work... it won't let me put in money or take it out but now that is out of the way this app has an issue, it is basically meaning less all it does is make it a little easier to send crypto to another person. what this app need to reach out for is to be something a bit closer to PayPal with a few extra steps if it can do that it would make itself crucial for anyone who uses crypto I have some interesting ideas for this app that would be incredible

Couldn't verify my account as my "phone number's country (UK) is not supported". The support human was almost willfully useless (though the chatbot was pretty good, and didn't pretend to know the answer to the question). Not ready for prime time. ---- and then the response to the review showed then didn't even read it. I did "reach out" - wish I hadn't bothered...

will not let me deposit any funds from my bank, tried with 2 different bank accounts now and it just doesn't go through. Also will not let me order a physical card, just keeps saying its failed. Very frustrating

Fairly easy to use and find your way around. Great app / company. although having just one issue. transfering assets to private cold wallet keep hanging up. pending for two or three days and no explanation. Just that it failed. address is correct. support is lacking here. we have trading to accomplish.

Ticket # 19170208 you have disabled my withdrawal 😭 😭 😭 You have poor support I can easily says, your support not doing their work and they're giving irrelevant information You have closed my account and I have funds there, allow me to withdraw my funds and then you can closed it I can also says,you scam me, this totally unfairly stay away from this app stay away from this app stay away from this app 😭😭😭😭 you're totally decieving people and lock their hard earning money for no reason..

Edit: fixed by the support team. I have a kraken account and I tried signing it with it. It does a device based fingerprint authentication after which it also does an sms authentication. Only problem is that the sms never gets delivered and I provided two numbers. Poor onboarding experience. Overkill on the authentication. Won't probably use it.

best ever app to send and receive both crypto and cash wow 🎉🎉🎉🎉🎉💯 This app is simply amazing! Smooth, reliable, and easy to use. Every feature works perfectly, and the support team is very responsive. It has helped me manage my digital transactions effortlessly. Highly recommended for anyone looking for a safe and fast platform. Keep up the great work!"

This app is very worst, if anything is lower than 1 🌟, I would have rate it 0.000000001🌟. Imagine depositing £14+ since 4 days ago and it hasn't reflect, only showing in progress. Their specialist can't even solve customer's problem, you keep repeating the same thing to the bot. No way to get quick help from support team. People complaining on different issues across their social media platforms.

🐙 Krak is... fine. The app looks clean and transfers are quick, but it’s missing polish in key areas. Kraktags are cool, yet some features feel half-baked or region-locked. 💸 Notifications lag, and the Krakback rewards aren’t always clear. It’s decent for basic crypto payments, but don’t expect deep control or advanced tools. Good start, needs refinement. 😐📲

it would be amazing to create a pay link to my fiat friends that owe me money and that they can complete the pay with out installing the app. for example, they owe me $30, then i send them the paylink, they use apple pay or Google pay from the website to complete the transition and then it gets deposited to me. that would be awesome!!! but if you force people to download the app, then they won't want to download it or verify it.

this app customer support is the worst thing in life that can ever happen to you my fiat deposit for 2 days now pending all all customs support knows how to do is escalate cases but nothing has been done no email nothing am very disappointed usually this app that just steal my deposit for days

Back to Venmo (this is far from ready). The app is incredibly buggy on Apple and Android devices (to the point of everything just freezing up as gray bubbles and not allowing cash withdrawals to bank accounts). Also, referrals don't work properly and the referral requirements change unexpectedly (which causes referrals under the previous conditions to not count). Looks good when it loads, but just some unintuitive flows and too many bugs to be trustworthy. Support is friendly, but unhelpful.

It's okay, but kinda redundant if you can't withdraw fiat to a debit card, or use the funds to pay for things via a kraken debit card. Its use it's pretty limited as is. If you guys figure out a solution, I'll probably come back and update my review. Appreciate y'all listen to suggestions tho, unlike robinhood etc

Installed. Logged in. Authenticated. ...but now the app said "enter the one time code sent to my phone", but nothing has been sent to my device and no idea where it's sending it too... (insecure) email, (insecure) SMS or their own apps... WHERE⁉️ I have retried a few times now and nothing ...boring 💤

Fantastic addition to the Kraken app family. Quick, NO FEE transfers regardless of type of currency.. crypto or fiat. Seamless integration with the main Kraken app. Smooth, simple, user friendly design. Really cool bridge from traditional finance to the blockchain. Looking forward to getting my Krak card ASAP.