TL;DR
- Krak‘s redesigned home screen consolidates card management, balance visibility, Vaults, and Send/Receive into a single view, eliminating the multi-screen navigation common in competing personal finance apps.
- Krak’s Split Bill feature supports 600+ currencies, 160+ countries, and charges zero transaction fees, enabling users to split and settle expenses in cash or crypto across borders with a single tap.
- Krak’s passive income trifecta combines 1% cashback on card spend, up to 8% APY on Vaults, and a 1% Salary Match on direct deposits, making it a competitive option for users seeking everyday returns on a spending and savings app.
Your day-to-day financial life, front and center
A money app should be as simple to use as the task you opened it to do. Check your balance. Send money. See what’s earning. Move on.
But somewhere along the way, money apps got complicated. Actions you perform every day (checking your card, glancing at a vault, sending a friend what you owe them) ended up scattered across multiple screens, buried behind menus, and separated by unnecessary taps.
We fixed that.
Everything you usually check, all on one screen
The new Krak home screen puts all the things you reach for most in the same place.
Your Krak card is now the visual anchor, front and center the moment you open the app, with card management a tap away. Every purchase you make earns up to 1% cashback, paid in cash or crypto.
That dinner you just paid for? Already earning. The flight you booked? Earning. The round you bought that you’ll never get paid back for? At least that’s earning, too.
Below the card, your balance and spendable amount are right there, along with your APY, no drilling into sub-screens. You see exactly what you have and what you can use, instantly.
Your Vaults, where your money is quietly earning up to 8% APY, are surfaced directly underneath. No navigating away. No loading another screen. You can see what’s growing while you’re checking what you’re spending. What’s going out and what’s compounding, at a glance.
And then there’s Salary Match. Deposit your paycheck into Krak and earn an up to 1% salary match, essentially a bonus just for getting paid where you already manage your money. It’s the kind of feature that sounds small until you do the math over twelve months. Salary Match is accessible from the home screen under rewards.
Send and Receive sit in a persistent bar at the bottom. Your frequent contacts scroll across the middle of the screen; the friend who always owes you for dinner is one tap away. Your activity feed and rewards round out the view, keeping cashback totals, pending transactions, and incentives in plain sight.
Card. Cashback. Vaults. Salary Match. Contacts. Send. Receive. Rewards. One screen. That’s the whole dashboard.
Why we rebuilt it
We looked at how people actually use Krak. The same pattern came up over and over: open the app, check the card, glance at balances, maybe send money, maybe check a vault. Four things, four different screens.
The data was clear; card management, send/receive, and vault checks make up the vast majority of daily sessions. So we brought all of it to the surface. The new home screen also keeps the three engines of passive growth visible at all times: 1% cashback on spend, up to 8% APY in Vaults, and 1% Salary Match on deposits. Those aren’t buried in feature pages anymore.
This redesign also reflects where Krak is heading. As we expand into the US and LATAM, we’re building around a card-first identity, because the card is where your financial life actually happens.
Split Bill: settle up with anyone, anywhere
Now, about the other thing.
You know the drill. Dinner hits, you grab the check because your card’s already out (and because, let’s be honest, you want that 1% cashback). Then you spend the next four days sending “hey, you owe me $47” texts to people. Or worse, you just absorb it.
Split Bill fixes this. Pick the people, set the amounts, send the request. Done.
Here’s what makes it different from everything else out there:
- 600+ currencies: Cash and crypto. Pay in dollars, split in bitcoin, settle in euros. However your group operates.
- 160+ countries: Your social circle isn’t confined to one ZIP code. Some of them are in London, some in Berlin, one’s “doing a thing in Bali.” Krak doesn’t care. It works everywhere.
- Zero fees: No transaction fees. No hidden conversion markups. Every 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 the argument about who had the extra cocktail.
Built for the way you actually spend
This isn’t just about splitting dinner. It’s about 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 fronting the deposit. It’s the birthday gift fund in the group chat. The concert tickets. The annual ski trip logistics that somehow require a spreadsheet.
Split Bill handles all of it across borders, with no fees when sending in the same currency, so you can stop being the unofficial treasurer of your friend group.
The bottom line
Krak makes it easier for you to manage your daily finances, with a clear overview of where money sits and compounds. The redesigned home screen gives you instant visibility into your full financial picture.
Split Bill gives you global flexibility no other app matches. And the core trifecta; 1% cashback, up to 8% APY on Vaults, and 1% Salary Match means every dollar that flows through Krak is working for you.
No menus. No maze. Your money, one tap away.
Update to the latest version of Krak or download it now. The new home screen and Split Bill are available everywhere.
See Support Center to check your eligibility.
1% cashback until March 31, 2026, then rate depends on average assets held with Krak, Kraken and Kraken Pro. T&Cs apply. Please see this Support Center Article.
1% salary match until May 1, 2026 (not guaranteed), then rate depends on average assets held with Krak, Kraken, and Kraken Pro. Geo restrictions and T&Cs apply.
APY is variable and not guaranteed; there is a risk of loss. Onchain interactions involve technological, market, and operational risks (see Terms of Service). Kraken does not control third-party protocols. Vaults are an unregulated product and are provided by Payward Wallet, LLC. Fees apply. Geo restrictions apply.
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.