TL;DR
- Krak‘s redesigned residence display consolidates card administration, steadiness visibility, Vaults, and Ship/Obtain right into a single view, eliminating the multi-screen navigation widespread in competing private finance apps.
- Krak’s Cut up Invoice function helps 600+ currencies, 160+ nations, and prices zero transaction charges, enabling customers to separate and settle bills in money or crypto throughout borders with a single faucet.
- Krak’s passive earnings trifecta combines 1% cashback on card spend, as much as 8% APY on Vaults, and a 1% Wage Match on direct deposits, making it a aggressive choice for customers looking for on a regular basis returns on a spending and financial savings app.
Your day-to-day monetary life, entrance and heart
A cash app needs to be as easy to make use of as the duty you opened it to do. Examine your steadiness. Ship cash. See what’s incomes. Transfer on.
However someplace alongside the way in which, cash apps received difficult. Actions you carry out day by day (checking your card, glancing at a vault, sending a buddy what you owe them) ended up scattered throughout a number of screens, buried behind menus, and separated by pointless faucets.
We fastened that.
Every part you often test, all on one display
The brand new Krak residence display places all of the belongings you attain for many in the identical place.
Your Krak card is now the visible anchor, entrance and heart the second you open the app, with card administration a faucet away. Each buy you make earns as much as 1% cashback, paid in money or crypto.
That dinner you simply paid for? Already incomes. The flight you booked? Incomes. The spherical to procure that you simply’ll by no means receives a commission again for? No less than that’s incomes, too.
Beneath the cardboard, your steadiness and spendable quantity are proper there, alongside together with your APY, no drilling into sub-screens. You see precisely what you could have and what you should use, immediately.
Your Vaults, the place your cash is quietly incomes as much as 8% APY, are surfaced straight beneath. No navigating away. No loading one other display. You possibly can see what’s rising whilst you’re checking what you’re spending. What’s going out and what’s compounding, at a look.
After which there’s Wage Match. Deposit your paycheck into Krak and earn an as much as 1% wage match, primarily a bonus only for getting paid the place you already handle your cash. It’s the type of function that sounds small till you do the maths over twelve months. Wage Match is accessible from the house display underneath rewards.
Ship and Obtain sit in a persistent bar on the backside. Your frequent contacts scroll throughout the center of the display; the buddy who at all times owes you for dinner is one faucet away. Your exercise feed and rewards spherical out the view, protecting cashback totals, pending transactions, and incentives in plain sight.
Card. Cashback. Vaults. Wage Match. Contacts. Ship. Obtain. Rewards. One display. That’s the entire dashboard.
Why we rebuilt it
We checked out how individuals really use Krak. The identical sample got here up again and again: open the app, test the cardboard, look at balances, possibly ship cash, possibly test a vault. 4 issues, 4 completely different screens.
The information was clear; card administration, ship/obtain, and vault checks make up the overwhelming majority of every day classes. So we introduced all of it to the floor. The brand new residence display additionally retains the three engines of passive progress seen always: 1% cashback on spend, as much as 8% APY in Vaults, and 1% Wage Match on deposits. These aren’t buried in function pages anymore.
This redesign additionally displays the place Krak is heading. As we broaden into the US and LATAM, we’re constructing round a card-first id, as a result of the cardboard is the place your monetary life really occurs.
Cut up Invoice: settle up with anybody, anyplace
Now, concerning the different factor.
the drill. Dinner hits, you seize the test as a result of your card’s already out (and since, let’s be sincere, you need that 1% cashback). Then you definitely spend the subsequent 4 days sending “hey, you owe me $47” texts to individuals. Or worse, you simply take in it.
Cut up Invoice fixes this. Choose the individuals, set the quantities, ship the request. Finished.
Right here’s what makes it completely different from every thing else on the market:
- 600+ currencies: Money and crypto. Pay in {dollars}, cut up in bitcoin, settle in euros. Nonetheless your group operates.
- 160+ nations: Your social circle isn’t confined to at least one ZIP code. A few of them are in London, some in Berlin, one’s “doing a factor in Bali.” Krak doesn’t care. It really works in all places.
- Zero charges: No transaction charges. No hidden conversion markups. Each different splitting software takes a lower or buries the associated fee within the trade fee. Krak doesn’t.
- One faucet: Choose buddies, cut up, ship. Sooner than the argument about who had the additional cocktail.
Constructed for the way in which you really spend
This isn’t nearly splitting dinner. It’s concerning the group journey the place half the crew books in EUR and the opposite half in USD (besides you, who books in BTC). It’s the shared Airbnb the place somebody at all times finally ends up fronting the deposit. It’s the birthday reward fund within the group chat. The live performance tickets. The annual ski journey logistics that someway require a spreadsheet.
Cut up Invoice handles all of it throughout borders, with no charges when sending in the identical forex, so you may cease being the unofficial treasurer of your buddy group.
The underside line
Krak makes it simpler so that you can handle your every day funds, with a transparent overview of the place cash sits and compounds. The redesigned residence display provides you instantaneous visibility into your full monetary image.
Cut up Invoice provides you international flexibility no different app matches. And the core trifecta; 1% cashback, as much as 8% APY on Vaults, and 1% Wage Match means each greenback that flows by way of Krak is working for you.
No menus. No maze. Your cash, one faucet away.
Replace to the newest model of Krak or obtain it now. The brand new residence display and Cut up Invoice can be found in all places.
See Help Heart to test your eligibility.
1% cashback till March 31, 2026, then fee relies on common property held with Krak, Kraken and Kraken Professional. T&Cs apply. Please see this Help Heart Article.
1% wage match till Might 1, 2026 (not assured), then fee relies on common property held with Krak, Kraken, and Kraken Professional. Geo restrictions and T&Cs apply.
APY is variable and never assured; there’s a danger of loss. Onchain interactions contain technological, market, and operational dangers (see Phrases of Service). Kraken doesn’t management third-party protocols. Vaults are an unregulated product and are supplied by Payward Pockets, LLC. Charges apply. Geo restrictions apply.
Geo restrictions apply. On the spot purchase/promote charges apply once you convert one asset to a different earlier than making a switch. Please see our price schedule for extra data.
