Image: KAST

KAST Card review: fees, cashback and limits

Name: KAST Card
Brand: KAST

A stablecoin account with US and EU banking details and a Visa card on top.

By Taimoor, founder and editor Last checked 17 October 2026 6 sources

7.6out of 10

Visit KAST

Quick answer

KAST is a stablecoin spending account with a Visa card, US account numbers and EU IBANs. The Standard tier is free with 1.5% cashback on up to $2,000 of spend a month, and paid tiers cost $1,000 or $10,000 a year for 2% to 3% back. Non-USD spending costs 0.5% to 1.75% depending on your country, and 0% on purchases in 16 Latin American currencies until the end of 2027. ATM cash costs $3 plus 2%.

KAST at a glance

Best for	Freelancers and remote workers who get paid in dollars or stablecoins and want bank rails plus a card in one app.
Skip it if	You want self-custody, or you withdraw cash often.
Network	Visa (Platinum on Standard, Infinite on paid tiers)
Card issuer	Third National
Custody	App account (KAST holds the balance, not a self-custody wallet)
Card type	Stablecoin-funded Visa
Virtual or physical	Virtual and physical
Cashback	1.5% to 3% back in USD
Annual fee	Standard free. Premium $1,000 a year. Private $10,000 a year.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	KAST says the card works in 170+ countries and at 150M+ merchants. Account availability depends on where you live and on regulatory approval.

KAST fees

Card cost	First two virtual cards free, then $2 each (some regions charge $2 even for the included cards). Standard physical card: no card fee, $40 delivery.
Annual or membership fee	Standard free. Premium $1,000 a year. Private $10,000 a year.
FX and cross-border	0.5% to 1.75% on non-USD purchases, depending on your country of residence. 0% on purchases in 16 Latin American currencies until 31 December 2027.
Crypto conversion	0% top-up and card spend fee on stablecoins
ATM withdrawals	$3 plus 2% per withdrawal (plus the FX fee on non-USD cash). Up to $500 per withdrawal, 3 withdrawals or $1,500 per 24 hours.
Other fees	Non-USD purchases under $25: $0.10
	Declined for insufficient balance: $0.50
	KAST to KAST transfers are free

Visa applies its own exchange rate on top of any card markup. Check the fee page in the KAST app for your country before you load money. To see what KAST would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with KAST

$0.00Paid from stablecoins in the card's own currency

$1.75Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$1.50Cashback on $100, Standard tier

These are KAST's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.75% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 13 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #6 of 36 in Europe (EEA)#5 of 20 in United Kingdom #4 of 27 in Latin America #3 of 24 in Asia-Pacific #2 of 14 in Africa #3 of 16 in Middle East

Cashback and rewards

Standard: 1.5% on eligible spend, up to $2,000 a month
Premium: 2% plus 1% in KAST Points
Private: 3% plus 2% in KAST Points
Rewards exclude some merchant categories (MCC restrictions)
Reserve account rewards of 8% to 12% depending on tier, offer ends 1 July 2027. KAST calls these rewards, not interest.

Tier	Price or requirement	Cashback	Notes
Standard	Free	1.5%	Visa Platinum, 2 free cards
Premium	$1,000/year	2% + 1% points	Visa Infinite, premium card included
Private	$10,000/year	3% + 2% points	Gold plated card, plus 2 cards from any tier

Deposits and withdrawals

How to top up

Stablecoins: USDT, USDC, PYUSD and RLUSD across 10+ chains
25+ other coins including BTC, ETH and PENGU
US account details for ACH and wire
EU IBAN for SEPA transfers

Fees: No top-up fee listed for stablecoin deposits. Network fees apply onchain. Supported networks per coin are shown in the app.

How to withdraw

Transfer to an external bank account
Send dollars, local currency or crypto to people in supported payout countries
Send crypto onchain
ATM cash withdrawals

Fees: KAST shows the exact cost and arrival time of a bank transfer before you confirm. KAST to KAST is free.

Supported assets: USDT, USDC, PYUSD, RLUSD plus 25+ coins such as BTC, ETH, ARB, AAVE and ENA. Chains include Ethereum, Arbitrum, Base, Optimism, Polygon, BNB Chain, Avalanche and Bitcoin.

Where KAST works

KAST says the card works in 170+ countries and at 150M+ merchants. Account availability depends on where you live and on regulatory approval.

KAST doesn't publish a country exclusion list. Check in the app during sign-up.

GlobalEurope (EEA)United KingdomLatin AmericaAsia-PacificAfricaMiddle East

Limits and perks

Limits

No daily or monthly card spending cap. You can spend up to your balance.
You can set your own lower limits for card, bank and onchain transactions
ATM: $500 per withdrawal, 3 withdrawals or $1,500 per 24 hours

Perks

Visa concierge on all tiers
Reserve account rewards on balances (8% to 12% by tier until 1 July 2027)
Referral bonuses: $30 at $500 spent, $50 at $1,000, $150 at $5,000
Partner cards such as the Pengu Card

Pros and cons

What's good

US account numbers and an EU IBAN in the same app as your card
Free tier with 1.5% cashback
No monthly spending cap
Wide coin and chain support for deposits

What's not

0.5% to 1.75% FX on non-USD spending outside Latin America
ATM fees of $3 plus 2%
Free tier cashback stops counting after $2,000 a month
Paid tiers cost $1,000 or $10,000 a year
Not self-custody

Our take on KAST

KAST feels less like a crypto card and more like a dollar account that happens to run on stablecoins. You get US account details for ACH and wires, an EU IBAN for SEPA, and a Visa card that spends from the same balance. For anyone who gets paid by international clients, that combo is the main reason to sign up.

The free Standard tier pays 1.5% back in USD on up to $2,000 of eligible spending a month. That's $30 a month at most, which is decent for a free card. Premium ($1,000 a year) and Private ($10,000 a year) bump that to 2% and 3% plus KAST Points, but you'd need to spend a lot for the maths to work. At 2%, Premium needs roughly $50,000 a year in spending just to cover its fee with cashback alone, before counting any perks.

Spending outside USD costs 0.5% to 1.75% depending on where you live, plus $0.10 on non-USD purchases under $25. That's mid-range for a crypto card, and the 1.5% cashback covers most of it. KAST also waives its FX fee on purchases in 16 Latin American currencies, from the Mexican peso to the Brazilian real, until 31 December 2027, which makes it one of the cheaper cards in that region. ATM withdrawals cost $3 plus 2%, with up to $500 per withdrawal.

The Reserve account is the other headline: 8% to 12% in rewards on balances depending on tier, with KAST stating the offer ends 1 July 2027. KAST is clear these are rewards, not bank interest, so treat them as a promotion that can change.

Great as a stablecoin bank account with a card, especially if you earn in USD. Mid-priced for spending abroad, and a standout in Latin America while the 0% FX offer runs.

How much people spend with KAST

Spending tracker

$104.8MCard volume in August 2026 Measured as: settlement batches (proxy). Source: Defiprime: Crypto debit cards in 2026, the real numbers and the real risks.

How we scored KAST: 7.6/10

Methodology

Fees 30%

7 Free tier and 0.5% to 1.75% FX (0% in Latin America), but ATM cash is pricey.

Rewards 20%

7 1.5% on the free tier with a $2,000 monthly cap. Higher rates cost $1,000+ a year.

Control 20%

6 App account, not self-custody. Fees are mostly published.

Reach 15%

9 Card works in 170+ countries.

Flexibility 15%

10 US and EU bank rails plus wide coin and chain support.

Recent KAST updates

All news

12 October 2026

KAST updates its fees: lower FX, higher ATM limits

KAST's help centre now lists a 0.5% to 1.75% FX fee on non-USD purchases depending on your country, with no separate foreign transaction fee. ATM withdrawals cost $3 plus 2%, now with up to $500 per withdrawal and $1,500 per 24 hours.

1 October 2026

KAST waives its FX fee on 16 Latin American currencies until the end of 2027

KAST no longer charges its own FX fee on card purchases in currencies including the Mexican peso, Brazilian real, Argentine peso, Colombian peso, Chilean peso and Peruvian sol. The waiver is automatic and runs until 31 December 2027. The card network's exchange rate still applies.

KAST FAQ

Is the KAST card free?

The Standard tier is free and includes two free cards. Premium costs $1,000 a year and Private costs $10,000 a year.

How much cashback does KAST give?

Standard pays 1.5% on up to $2,000 of eligible spend a month. Premium pays 2% plus 1% in KAST Points, and Private pays 3% plus 2% in points.

What are KAST's ATM fees?

$3 plus 2% per withdrawal, plus the FX fee on non-USD cash. You can take up to $500 per withdrawal and three withdrawals or $1,500 in any 24 hours.

What FX fee does KAST charge?

0.5% to 1.75% on non-USD purchases, depending on your country of residence. Purchases in 16 Latin American currencies, including MXN, BRL, ARS, COP, CLP and PEN, carry no KAST FX fee until 31 December 2027.

Can I get a US bank account with KAST?

KAST offers US account and routing numbers for ACH and wires, plus EU IBANs for SEPA. Availability depends on your country.

Sources

KAST homepageTiers, rewards, Reserve, bank accounts, top-up coins
KAST cardsTier pricing, ATM limits, spending limits
KAST membershipTier details
KAST Reserve termsReserve rewards
KAST Help Center: fees and conditionsFX, ATM, card and transfer fees, updated Oct 12, 2026
KAST: 0% FX fees across LATAM16 currencies, through Dec 31, 2027

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.