A German IBAN that works like a neighborhood one
Your Krak Digital IBAN begins with DE and runs on SEPA, the identical infrastructure utilized by employers, landlords, and utility suppliers throughout Europe. Pay lease, electrical energy, subscriptions, and insurance coverage in Romania, or ship cash to associates and freelancers. It strikes on the identical rails as any main German financial institution.
EUR transfers arrive same-day through SEPA. No ready home windows, no obscure timelines. And when you cut up your funds between Romania and the UK, GBP transfers transfer natively, with out compelled conversion.
Wage Match: earn as much as €3,000 a yr only for getting paid
Most accounts offer you nothing for getting paid your wage into your account. Krak matches you as much as 1% again each month, mechanically, with no expiry date.¹
At €3,000/month, that’s €30 again.
At €5,000/month, €50 again.
At €9,000/month, €90 again.
The cap is €250/month, €3,000/yr. A €5,000 month-to-month wage can generate as much as €1,200 in Wage Match over two years, earlier than a single buy.
The way it works
No software, no approval:
- Test your account particulars within the app
- Share your IBAN along with your employer or payroll supplier
- Any wage obtained within the calendar month qualifies
- Rewards are credited firstly of the next month
To search out your IBAN: open Krak → faucet Obtain → faucet Financial institution.
2% cashback on each buy
The Krak Card earns 2% again in EUR or BTC on all spending.²³ No class caps. No rotating constructions. No annual payment.
Mixed with Wage Match, the numbers compound shortly. On €2,000 in month-to-month spend and a €5,000 wage, you’re €90/month, €1,080 over the yr with out altering how you reside.
Earn as much as 8% APY in Vaults
Park your stability in Krak Vaults and earn as much as 8% APY on USD.⁴ Rewards accrue constantly. No minimums, no lockups.
All the things in a single account
- German Digital IBAN on SEPA rails
- Similar-day EUR transfers, native GBP
- Suitable with employer payroll and accounting programs
- 1% Wage Match — as much as €250/month, €3,000/yr
- 2% cashback in EUR or BTC on each buy
- Vaults incomes as much as 8% APY
- Charge-free FX on the Mastercard rate⁵
Set it up as soon as. Receives a commission. Let it compound.
1 Eligible shoppers in Luxembourg, Germany, Latvia, Greece, Croatia, Hungary, and Romania solely. T&Cs apply. Min. cumulative switch(s) of €2,500 (max 4 funds) from employer payroll; exclusions apply. Rewards credited month-to-month as decided by Krak; max €250/month. 1% promotional price not assured; applies till 01/05/26, then will depend on common belongings held with Kraken and Kraken Professional. Kraken might amend, droop, or finish the promotion. Tax might apply. The e-money pockets just isn’t a checking account and isn’t lined by any deposit assure scheme. Reward worth might fluctuate if held or transformed into different belongings.
2 Not funding recommendation. Crypto buying and selling entails danger of loss. 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 offered by PIL and spot buying and selling providers are offered by PESL.
3 Fee will depend on common belongings held with Krak, Kraken and Kraken Professional. Geo restrictions and T&Cs apply. See Assist Heart for more information.
4 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 usually not a regulated monetary product and will not profit from regulatory protections. Charges apply. Geo restrictions apply. Vaults are supplied by Payward Pockets, LLC.
5 Geo restrictions apply. A variable unfold applies when spending throughout belongings. Third-party ATM charges might apply.
