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That’s the hole Krak was constructed to shut.

Meet Krak, Kraken’s cash app

Krak is your on a regular basis cash account, powered by Kraken. Identical login. Prompts in minutes. Constructed for getting paid, spending, and incomes, multi function place.

Consider it because the lacking piece between your crypto life and your on a regular basis monetary life. Your Kraken steadiness may be transferred to Krak in a single click on, and from there, your cash doesn’t simply sit, it really works for you.

• Wage Match: As much as 1% again each month, only for getting paid into Krak¹
• Krak Card: As much as 1% cashback on each purchase²
• AutoEarn (UK Solely): As much as 3.6% APY robotically in your balance³
• Krak Vaults (EEA Solely): As much as 8% APY on eligible belongings⁴
• 600+ digital belongings, spendable like money

Your financial institution isn’t doing any of that.

Introducing Wage Match: a 1% elevate, only for getting paid

Right here’s the brand new half. When your wage lands in your Krak account, we match as much as 1% of it again to you, each month, robotically. No kinds. No purposes. Simply redirect your wage, and Krak does the remaining.

The maths speaks for itself:

As much as £/€250 monthly. As much as £/€3,000 per yr.

Who’s eligible for the Wage Match?

Wage Match is dwell now within the UK, Germany and Luxembourg, with extra EU international locations being added within the coming weeks, and the Americas not far behind.

To qualify, you’ll want a verified Krak account in good standing and a wage of a minimum of £/€2,500 monthly paid in native forex from a single employer.

Getting began in three steps

1. Activate Krak — Obtain the Krak app and log in along with your current Kraken credentials. Your account is prepared in minutes.

2. Share your account particulars along with your employer — Within the app: faucet + on the house display → choose Obtain. Your account particulars; IBAN for Germany and Luxembourg, Kind Code and Account Quantity for the UK are proper there.

3. Get matched each month — Each qualifying wage switch made in the course of the calendar month counts towards your match. Your reward is credited on the first of the next month.

Set it up as soon as. Earn each month.

Why we constructed this

Most individuals spend their careers working for cash. We expect cash ought to return the favor.

Kraken was based on an concept that the monetary system needs to be open, honest, and accessible to everybody. Krak is that perception utilized to on a regular basis cash, not simply crypto, not simply buying and selling, however your wage, your spending, and your financial savings, all incomes, on a regular basis.

Wage Match is probably the most direct expression of that but. No algorithms deciding when you qualify. No opaque reward applications. Simply receives a commission into Krak, and we pay you again. Each month. Robotically.

One account. A number of earnings streams.

Wage Match is one piece of an even bigger image. When Krak is your major account, each a part of your monetary life is incomes:

Your wage earns as much as 1% again each month by way of Wage Match.¹

Your spending earns as much as 1% cashback each time you utilize your Krak Card.²

Your steadiness earns as much as 3.6% APY robotically within the UK by way of AutoEarn,³ or as much as 8% APY on eligible Krak Vaults investments within the EEA.⁴

Your financial institution isn’t doing any of that.

FAQs

What counts as a qualifying wage? A payroll switch of a minimum of £/€2,500/month from a single employer. As much as 4 wage transfers monthly qualify, capped at £/€25,000.

What doesn’t rely? P2P transfers, self-funded transfers, Kraken-to-Krak transfers, on-chain transfers, and non-payroll funds.

Is that this a prize draw? Nope. Each eligible buyer earns. No luck concerned.

I’m not within the UK, Germany, or Luxembourg — when can I be part of? Extra EU international locations are rolling out within the coming weeks. The Americas are subsequent. Keep tuned.

Able to activate?

In the event you’re already on Kraken, you’re one step away. Obtain the Krak app, log in along with your Kraken credentials, and route your wage to Krak.

UK: 

¹ Krak Wage Match (UK): Geo restrictions & T&Cs apply. Minimal cumulative switch(s) of £2500 applies inside a most of 4 funds. The Krak Wage Match Incentive is open to eligible UK Krak purchasers solely. Rewards apply solely to qualifying GBP wage transfers (payroll from an employer); exclusions apply. Rewards are credited month-to-month; max £250/month. The promotional fee of 1% isn’t assured and applies till 1 Could 2026. After this date, the speed will rely upon the typical belongings you maintain with Krak, Kraken, and Kraken Professional. Kraken might amend, droop, or finish the promotion. Tax might apply; no recommendation. E-Cash providers should not topic to safety beneath the Monetary Providers Compensation Scheme.  In the event you maintain or convert rewards into different belongings (the place obtainable), the worth can fluctuate.

² Krak Card: Within the UK, Krak Card is issued by Monavate Restricted, authorised by the Monetary Conduct Authority to hold on digital cash actions and associated cost providers (FRN: 901097). Payward Providers Restricted is authorised by the Monetary Conduct Authority to hold on digital cash actions and associated cost providers beneath the Digital Cash Laws 2011 (FRN: 1010381). Cryptoasset change and custody providers are supplied by Payward Ltd, registered as a cryptoasset agency with the Monetary Conduct Authority (FRN: 928768).

³ AutoEarn (UK Solely): Geographic restrictions apply. Reward charges decided and paid by Kraken at its sole discretion, topic to alter. See Phrases of Service for particulars. 

Don’t make investments until you’re ready to lose all the cash you make investments. This can be a high-risk funding and you shouldn’t count on to be protected if one thing goes mistaken. 

Geographic restrictions apply. On the spot purchase/promote charges apply while you convert one asset or forex to a different earlier than making a switch. Please see our charge schedule for extra data. Relevant charges will likely be proven earlier than you make a switch.

Promotional 1% cashback fee applies till March 31, 2026. After then, the cashback fee will rely upon the typical belongings you maintain with Krak, Kraken, and Kraken Professional. ATM withdrawals not included. £/€0.50 minimal transaction quantity applies. Geo restrictions apply. For extra particulars, see Assist Middle Article. Utilizing cryptocurrency for purchases could also be a taxable occasion; seek the advice of a tax advisor. UK: Issued by Monavate (FRN 901097), authorised by the FCA. EU: Issued by UAB Monavate, authorised by the Financial institution of Lithuania (LB002139). Mastercard® is a registered trademark of Mastercard Worldwide Integrated.

Payward Providers Restricted is authorised by the Monetary Conduct Authority to hold on digital cash actions and associated cost providers beneath the Digital Cash Laws 2011 (FRN: 1010381).

EEA:

¹ Krak Wage Match (EEA): Geo restrictions & T&Cs apply. Minimal cumulative switch(s) of €2500 applies inside a most of 4 funds. The Krak Wage Match Incentive is open to eligible Krak purchasers in Luxembourg or Germany solely. Rewards apply solely to qualifying EUR wage transfers (payroll from an employer); exclusions apply. Rewards are credited month-to-month; max €250/month. The promotional fee of 1% isn’t assured and applies till 1 Could 2026. After this date, the speed will rely upon the typical belongings you maintain with Krak, Kraken, and Kraken Professional. Kraken might amend, droop, or finish the promotion. Tax might apply; no recommendation. The e-money pockets isn’t a checking account and isn’t coated by any deposit assure scheme. In the event you maintain or convert rewards into different belongings (the place obtainable), the worth can fluctuate. 

² Krak Card: Within the EEA, Krak Card is issued by UAB Monavate, authorised by the Financial institution of Lithuania (authorisation code: LBO02139). Payward Eire Restricted (PIL) and Payward Europe Options Restricted (PESL), buying and selling as Kraken, are regulated by the Central Financial institution of Eire. E-money providers are supplied by PIL and spot buying and selling providers are supplied by PESL.

⁴ Krak Vaults (EEA Solely): APY as of January 21, 2026, topic to alter. Vaults should not a regulated monetary product. Rewards are variable and never assured; you may lose some or your whole belongings. Interacting with on-chain good contracts includes dangers that are additional detailed within the phrases of service, together with technological threat (bugs, exploits, and oracle/MEV/bridge failures), market threat (value volatility, de-pegs, and liquidation the place related), and operational threat (irreversible transactions, fuel charges, community congestion). Kraken doesn’t management third-party protocols. Provided by Payward Pockets, LLC. Charges apply. Availability varies by jurisdiction.

Geographic restrictions apply. On the spot purchase/promote charges apply while you convert one asset or forex to a different earlier than making a switch. Please see our charge schedule for extra data. Relevant charges will likely be proven earlier than you make a switch.

Promotional 1% cashback fee applies till March 31, 2026. After then, the cashback fee will rely upon the typical belongings you maintain with Krak, Kraken, and Kraken Professional. ATM withdrawals not included. £/€0.50 minimal transaction quantity applies. Geo restrictions apply. For extra particulars, see Assist Middle Article. Utilizing cryptocurrency for purchases could also be a taxable occasion; seek the advice of a tax advisor. UK: Issued by Monavate (FRN 901097), authorised by the FCA. EU: Issued by UAB Monavate, authorised by the Financial institution of Lithuania (LB002139). Mastercard® is a registered trademark of Mastercard Worldwide Integrated.

E-money providers are supplied by Payward Eire Restricted, buying and selling as Kraken, which is regulated by the Central Financial institution of Eire.