KAST Card review

The KAST Card is a Visa that connects a USD account and stablecoin balance. Users can deposit USDC or USDT, receive USD through a personal US account and spend globally with a virtual or physical card. It is a useful concept for anyone who regularly receives or spends dollars.

For a European user, the main disadvantage is the currency. The card is USD based. A euro payment generally carries a 0.5% to 1.75% exchange fee, making the free Standard card less free than it first appears.

KAST Card review summary

Standard has no annual fee and the first virtual cards are normally free. A physical Standard card has no card price, but KAST charges $40 shipping. USD spending has no KAST transaction fee; other currencies have a variable exchange fee.

The advertised 2% to 8% rewards are KAST Points during a particular season. They are not guaranteed cashback in dollars or euros. KAST has also run temporary token campaigns, including 4% in MOVE. Judge the card on its fixed fees and functions, not a temporary token percentage.

What is KAST?

KAST is an international financial app combining stablecoins, USD transfers and a Visa card. KAST Tech is registered in Anjouan, Comoros. The non-US cardholder agreement names Third National as card issuer under a Visa licence.

KAST states that regulated partners provide bank accounts, card issuance and custody. This does not make KAST itself a bank or MiCA licensee. Legal protection depends on the product, partner and user country.

The Visa can be used where Visa is accepted. KAST supports virtual and physical cards, Apple Pay and Google Pay. Users can freeze the card and manage spending controls in the app.

A personal USD account

Eligible users can open a virtual USD bank account in their own name through KAST. The help centre says it is powered by Leads Bank in the United States and supports ACH and Fedwire. Incoming dollars are credited to the KAST balance and can then be transferred or spent.

KAST calls this a USD bank account, but its own product page also states explicitly that KAST is not a bank. Verify which partner provides your account, whether your country is supported and what protection applies to fiat and stablecoin balances.

USDC, USDT, USDe, PYUSD and RLUSD are supported on selected networks. Deposit and withdrawal lists differ. BTC, ETH and other cryptoassets can also be deposited, but KAST converts them automatically and currently publishes a 2% to 5% fee for that conversion.

KAST Card fees

The official fee schedule lists 0% for stablecoin deposits and USD card payments. Supported stablecoins are booked as a USD balance at 1:1 without a published KAST spread. A stablecoin can nevertheless lose its dollar peg.

Euro and other non-USD payments carry 0.5% to 1.75% FX. A small non-USD transaction below $25 also costs $0.10. A transaction declined for insufficient funds can cost $0.50.

ATM use is expensive: $3 plus 2% per withdrawal. Non-USD exchange fees are added on top. The maximum is $250 per withdrawal and three withdrawals or $750 per 24 hours. The ATM owner may add a separate surcharge.

Standard, Premium, Limited and Luxe

Standard costs $0 per year. The first two virtual cards are generally free, although the first virtual card may cost $2 in some countries. A physical Standard card is free with $40 shipping.

Premium costs $1,000 per year, Limited $5,000 once and Luxe starts at $10,000 per year. These prices only make sense for users who genuinely value the exclusive card, higher points multiplier and concierge. Earning more points alone is not a strong reason to prepay thousands of dollars.

During Season 5, KAST publishes 2% points for Standard, 5% for Premium and Limited and 8% for Luxe. Points may have uncertain future value or utility. The temporary 4% MOVE campaign is presented on top of those points, but remains a token reward with price and campaign risk.

10% off with code 5EH1XGC3

Use our invitation link with code 5EH1XGC3 to receive 10% off paid KAST memberships:

Join KAST and get 10% off

Standard is already free, so the discount does not save anything there. On the published Premium annual price, 10% could save $100. Check that the discount is visible in the app and confirm which plan it covers before paying.

How to get the KAST Card

1. Open KAST through our invitation link and use code 5EH1XGC3.
2. Create an account and complete identity verification.
3. Check whether the USD account and card are available in your country.
4. Select Standard or a paid membership.
5. Activate the virtual card and add it to Apple Pay or Google Pay if desired.
6. Deposit a supported stablecoin or use the available bank account.
7. Order the physical card if needed and review shipping and fees.

Comparison with other crypto payment cards

Card	Regular cashback	Maximum and cap	Card and exchange fees	Card type and main perks	More information
KAST Card	2% KAST Points on Standard during Season 5	5% at Premium/Limited and 8% at Luxe; points are not euro cashback	Standard $0. Non-USD 0.5% to 1.75%. ATM $3 plus 2%	USD account, virtual and physical Visa, Apple Pay, Google Pay and 10% membership discount	KAST with 10% off
OKX Card	2% when spending USDG	Up to 10% from VIP 4; non-VIP cap of €10 per month	No subscription. Published conversion spread 0.1%, legal maximum 0.40%	Virtual only, Apple Pay and Google Pay, no ATM access	OKX Card review
Bybit EU Card	1% without a monthly cap for non-VIP users	Up to 10% for VIP, capped at €600 per month	No subscription. 0.9% crypto conversion and 0.5% outside the euro	Virtual and physical, Apple Pay, Google Pay and ATM access	Bybit Card review
Crypto.com Card	0% at Basic, 2% at Plus and 3% at Pro	Up to 5% at Private; Plus and Pro have spending caps	Level Up up to €24.99 per month or large CRO lock-up. 1% debit or credit card top-up	Virtual and physical, subscription rebates, Priority Pass and CRO rewards	Crypto.com Card review
Ether.fi Cash	3% up to the tier’s spending threshold	Then progressively down to 0.1% for higher euro spending	Core free; roughly 1% base FX outside supported currencies plus possible margin	Non-custodial Visa credit card, DeFi collateral and travel benefits	Ether.fi Cash review
Nexo Card	From 0.5% in NEXO or 0.1% in BTC, Credit Mode only	Up to 2% in NEXO or 0.5% in BTC at Platinum	No subscription. In Europe, 0.2% FX on weekdays and 0.7% at weekends	Debit and Credit Mode, physical and virtual Mastercard and ATM access	Nexo Card review

KAST is strongest for dollar payments and USD banking. Bybit and OKX are cheaper for everyday euro payments. Crypto.com provides more conventional perks but requires a subscription or a large CRO holding. Ether.fi and Nexo are more complex credit products.

See our complete crypto debit card comparison.

Security and risks

KAST is a young provider and not a bank. The card, USD account, custody and optional on-chain Earn products can be delivered by different partners. One partner’s licence does not automatically place every KAST service under the same protection.

Stablecoins carry issuer, depeg and network risks. KAST Earn uses DeFi vaults and adds smart contract, liquidity and protocol risk. A displayed balance or yield is not the same as a guaranteed bank deposit.

Use a strong unique password, enable every available security control and test each blockchain with a small amount first. Verify the network carefully and keep only what you need for spending on KAST.

Our experience and conclusion

KAST has built an interesting product for users combining dollars and stablecoins. A USD account with ACH and Fedwire, a free virtual Visa and direct stablecoin deposits is a strong package.

Exchange fees are the weak point for European users. A fee as high as 1.75% can consume almost all of the value of 2% KAST Points. The fixed $3 and 2% ATM charge is even less attractive.

Our conclusion is cautiously positive for dollar use but reserved for euro use. Start with free Standard, treat points and tokens as an extra, and pay for Premium or Luxe only when their concrete benefits genuinely justify the price.