Krak: Send & Transfer Money

6.93K reviews
Content rating
Everyone
500K+
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Content rating
Everyone
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About this app

Krak is a money app that helps you send, spend, and convert. Transfer money to 160+ countries and unlock travel perks with Krak Concierge.

→ SEND, SPLIT AND PAY GLOBALLY
— Move money to 160+ countries.
— Pay anyone instantly with a @Kraktag.

→ MULTI-CURRENCY MADE SIMPLE
Hold, convert, and transfer multiple currencies from one app. Live in AUD, get paid in USD, send in GBP. Krak handles it seamlessly with real-time conversions and all spreads shown before you confirm. No lockups on balances. Access your money whenever you need it.

→ KRAK CONCIERGE
Up to 60% off luxury hotel bookings and up to 6% cashback on top. Use your Krak app to unlock travel perks and earn cash back on every trip.

→ DISCLAIMERS
Geo restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. Please see our fee schedule for more information: www.kraken.com/features/fee-schedule.

Geo restrictions apply. Krak Concierge processes bookings via Entravel Holdings Ltd. (“EH”). Krak is not a travel agent and the merchant of record for bookings. Prices, taxes and fees are set by the provider. Cancellations/refunds follow the hotel and/or EH policy. Instant buy/sell fees apply and are shown when converting one asset or currency before making a transfer. See our fee schedule for details. Krak may receive a commission from EH on completed stays.

Some cryptoassets are unregulated in Australia, profits may be subject to capital gains tax, and the value of cryptoassets can go down or up.
Fast global transfers to 160+ countries, with travel cashback, backed by Kraken.
Updated on
23 Oct 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
  • No data shared with third parties
    Learn more about how developers declare sharing
  • This app may collect these data types
    Location, Personal info and 7 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

6.87K reviews
Željko Cvetković
6 July 2026
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. 💯
20 people found this review helpful
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Payward, Inc.
6 July 2026
Thanks for the detailed review! We really appreciate the kind words, we'll continue putting in the work to make sure your experience is nothing less than 5-stars 💜
Hoos Ado
1 May 2026
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.
25 people found this review helpful
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Payward, Inc.
1 May 2026
Hi Hoos, thanks for sharing your honest feedback.
stíobhart matulevicz
26 September 2026
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.
Did you find this helpful?
Payward, Inc.
26 September 2026
Hey Stíobhart, whenever you can, reach out to us, and we'll review this for you. To ease your mind, we don’t close accounts without a valid reason. The crypto world can attract unsavory individuals, and many closed accounts are linked to fraud or violation of terms.

What's new

We’re always making sure Krak is easy, safe and secure for you to use.

This release contains various improvements and fixes.