TL;DR
- Krak’s redesigned home screen consolidated card management, balance visibility, ChestsAnd Send/Receive in a single view, eliminating the multi-screen navigation common among competitors personal finance apps.
- Krak Split Bill Feature supports 600+ currencies, 160+ countriesand the costs zero transaction feesallowing users to share and pay their expenses in cash or crypto beyond borders with just one click.
- Krak’s passive income trifecta combined 1% cash back on card spending, up to 8% APY on safes, and a 1% salary match on direct deposits, making it a competitive option for users looking for daily returns on a spending and savings app.
Your daily financial life, front and center
A financial app should be as easy to use as the task you opened it for. Check your balance. Send money. See what pays off. Pass.
But at some point, financial applications became complicated. The actions you take every day (checking your card, peeking into a safe, sending a friend what you owe them) have ended up being scattered across multiple screens, buried behind menus, and separated by unnecessary clicks.
We fixed this.
Everything you usually check, all on one screen
Krak’s new home screen puts everything you want most in one place.
Your Krak map is now the visual anchor, front and center as soon as you open the app, with card management right at your fingertips. Every purchase you make earns up to 1% cash backpaid in cash or crypto.
That dinner you just paid for? Win already. The flight you booked? Income. The tour you bought and for which you will never be reimbursed? At least it pays off too.
Below the card, your balance and spendable amount are there, with your APY, no drilling into the subscreens. You see exactly what you have and what you can use, instantly.
Your Chestswhere your money earns quietly up to 8% APY, are placed directly below. No navigation. No loading another screen. You can see what’s growing while you check what you’re spending. What’s happening and what’s getting worse, at a glance.
And then there is Salary matching. Deposit your paycheck into Krak and earn up to 1% salary equivalentessentially a bonus just for getting paid where you already manage your money. It’s the kind of feature that seems small until you do the twelve-month math. Salary Match is accessible from the home screen under Rewards.
Send And Receive sit in a persistent bar at the bottom. Your frequent contact scroll to the middle of the screen; the friend who always owes you dinner is just a phone call away. Your activity feed And rewards complete the view, keeping cashback totals, pending transactions and incentives in full view.
Map. Cash back. Vaults. Salary matching. Contacts. Send. Receive. Rewards. A screen. That’s the whole dashboard.
Why we rebuilt it
We looked at how people actually use Krak. The same pattern kept coming up: open the app, check the card, check the balances, maybe send some money, maybe check a safe. Four things, four different screens.
The data was clear; card management, sending/receiving, and vault checks make up the vast majority of daily sessions. So we brought everything back to the surface. The new home screen also keeps the three passive growth engines visible at all times: 1% cash back in expenses, up to 8% APY in safes, and 1% salary match on deposits. These are no longer buried in features pages.
This redesign also reflects the direction Krak is taking. As we expand across the United States and Latin America, we’re building around a card-first identity, because the card is where your financial life truly happens.
Split Bill: pay with anyone, anywhere
Now about the other thing.
You know the principle. Dinner arrives, you collect the check because your card is already maxed out (and because, let’s be honest, you want that 1% cashback). Then you spend the next four days texting “hey you owe me $47” to people. Or worse, you just absorb it.
Split bill fixes this. Choose the people, set the amounts, send the request. Do.
Here’s what sets it apart from everything else:
- 600+ currencies: Cash and crypto. Pay in dollars, distribute in Bitcoin, settle in euros. However your group operates.
- 160+ countries: Your social circle is not limited to a single zip code. Some of them are in London, others in Berlin, one is “doing something in Bali”. Krak doesn’t care. It works everywhere.
- Zero fees: No transaction fees. No hidden conversion surcharges. Any other splitting tool takes a cut or buries the cost in the exchange rate. Krak doesn’t.
- One tap: Select friends, split, send. Faster than arguing over who had the extra cocktail.
Designed for how you actually spend
It’s not just about sharing dinner. This is the group trip where half the crew books in EUR and the other half in USD (except you, who books in BTC). It’s the shared Airbnb where someone always ends up paying the deposit. This is the birthday gift fund in the group chat. Concert tickets. Annual ski trip logistics that kind of require a spreadsheet.
Split Bill handles all of this across borders, with no fees when sending in the same currency, so you can stop being the unofficial treasurer of your group of friends.
The essentials
Krak makes it easier for you to manage your daily finances, with a clear overview of the position and composition of money. The redesigned home screen gives you instant visibility into your complete financial situation.
Split Bill gives you overall flexibility that no other app matches. And the main trifecta; 1% Cash Back, up to 8% APY on Vaults, and 1% Pay Match means that every dollar that passes through Krak works for you.
No menus. No maze. Your money, at your fingertips.
Update to the latest version of Krak or download it now. The new Home Screen and Split Bill are available everywhere.
See Help Center to check your eligibility.
1% cashback until March 31, 2026, then the rate depends on the average assets held with Krak, Kraken and Kraken Pro. General conditions apply. Please see this help center article.
1% salary until May 1, 2026 (not guaranteed), the rate then depends on the average of assets held with Krak, Kraken and Kraken Pro. Geographic restrictions and General conditions apply.
The APY is variable and not guaranteed; there is a risk of loss. Chain interactions involve technological, market and operational risks (see Terms of use). Kraken does not control third-party protocols. Vaults are an unregulated product and are provided by Payward Wallet, LLC. Fees apply. Geographic restrictions apply.
Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. Please see our price list for more information.
