Card to the Future
KAST Standard card
Card art from kast.xyz

KAST Card

VisaHybridKYC tieredsecured credit

KAST is a Singapore-run stablecoin neobank with a USD account and Visa cards (Platinum on the free Standard tier, Infinite on paid tiers) that run as credit cards secured by your deposited balance. Since the May 2026 restructure, cashback is 1.5% / 2% / 3% in USD on capped monthly spend by membership tier ($0 / $1,000 / $10,000 per year), and ATM withdrawals cost $3 + 2%.

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77Card Score, #15 of 36
$136You keep a year
D46Trust points of 100
95%Key fields with a source

Plans side by side

KAST Standard card
Standard
KAST Premium card
Premium
KAST Private card
Private
Price
Monthly priceFree1Free tier—No monthly billing option; billed annually upfront—No monthly billing option; billed annually upfront
Yearly priceFree1$1,0001,44Billed upfront for 12 months; 30-day notice before renewal charge$10,0001,44Billed upfront for 12 months
Virtual card fee2 free cards (virtual or physical) included; extra Standard virtual card $21,3,44In some regions a $2 issuance fee applies to Standard virtual cards, including the included ones. Max 10 cards per account1 Premium card included (virtual and physical) plus the Standard allowance (2 cards)1,3,39Extra Premium cards via Concierge, price quoted on request1 plated Gold card plus 2 cards from any other tier included1,3,39Extra Private cards via Concierge, price quoted on request
Physical card fee$0 card fee + $40 delivery fee3,25Premium plastic, Visa PlatinumIncluded in membership1,3,44Premium metal cardIncluded in membership1,3,4424k gold-plated metal card (e.g. Solana Gold, KAST Gold, Pengu Gold)
Shipping$401,25USD delivery fee per physical Standard card. Delivery: 7-10 business days per cards page; help center says 7-21 business days for international ordersFree1,44Physical Premium cards are includedFree1,44Physical Private cards are included
Staking needed01Membership page lists no staking requirement01Membership page lists no staking requirement01Membership page lists no staking requirement
Other requirementsVerified KAST account (KYC level 2: government ID and liveness check)19Verified KAST account plus $1,000 annual membership1,19Verified KAST account plus $10,000 annual membership1,19
Rewards
Cashback1.5%1,3,10USD cashback on eligible purchases, up to the monthly eligible-spend cap2%1,3,10USD cashback on eligible purchases, up to the monthly eligible-spend cap3%1,3,10USD cashback on eligible purchases, up to the monthly eligible-spend cap
Paid inUSD cashback (credited to rewards balance, redeemed into card balance)10,11Cannot be withdrawn or transferred out; applied first to next eligible card purchaseUSD cashback (credited to rewards balance, redeemed into card balance)10,11Cannot be withdrawn or transferred out; applied first to next eligible card purchaseUSD cashback (credited to rewards balance, redeemed into card balance)10,11Cannot be withdrawn or transferred out; applied first to next eligible card purchase
Cashback cap a month$301,3Derived: 1.5% x $2,000 monthly eligible-spend cap. Cap is on eligible spend ($2,000/month), not on cashback itself$2001,3Derived: 2% x $10,000 monthly eligible-spend cap. Cap is on eligible spend ($10,000/month), not on cashback itself$1,2001,3Derived: 3% x $40,000 monthly eligible-spend cap. Cap is on eligible spend ($40,000/month), not on cashback itself
Earns onAll eligible Visa purchases up to $2,000 per month1,12Eligibility set by merchant category code (MCC)All eligible Visa purchases up to $10,000 per month1,12Eligibility set by merchant category code (MCC)All eligible Visa purchases up to $40,000 per month1,12Eligibility set by merchant category code (MCC)
No cashback onATM withdrawals, cash advances, money transfers and transfer-like transactions, quasi-cash, fees and charges, refunded, reversed, cancelled or disputed purchases, gambling, government payments, insurance premiums, financial services and brokerage MCCs12,6MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without noticeATM withdrawals, cash advances, money transfers and transfer-like transactions, quasi-cash, fees and charges, refunded, reversed, cancelled or disputed purchases, gambling, government payments, insurance premiums, financial services and brokerage MCCs12,6MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without noticeATM withdrawals, cash advances, money transfers and transfer-like transactions, quasi-cash, fees and charges, refunded, reversed, cancelled or disputed purchases, gambling, government payments, insurance premiums, financial services and brokerage MCCs12,6MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without notice
VestingLocked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back6,11Redeemed cashback is not clawed backLocked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back6,11Redeemed cashback is not clawed backLocked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back6,11Redeemed cashback is not clawed back
Pointsnone1,3Standard earns no KAST Points1% of eligible spend as KAST Points1,3,10,51KAST Points earning ends Nov-30, 2026; Points convert to KAST Pioneer Units in the first week of Dec-2026 (some users get spend vouchers instead). Points are not cash and have no guaranteed value2% of eligible spend as KAST Points1,3,10,51KAST Points earning ends Nov-30, 2026; Points convert to KAST Pioneer Units in the first week of Dec-2026 (some users get spend vouchers instead). Points are not cash and have no guaranteed value
PerksVisa Platinum card (premium plastic), 24/7 in-app support, Card designs: K Card, Solana Card, Bitcoin Card, Pengu Card1,3,36Premium metal card; Visa Infinite, Card designs: X Card, Solana Illuma (logo lights up on tap), Bitcoin Black, Pengu Black, Visa Infinite benefits via Visa Benefits Portal: travel accident insurance (up to $1.5M), trip cancellation and delay cover, lost luggage ($3,000) and baggage delay ($600) cover, auto rental damage waiver, Purchase protection ($20,000), extended warranty ($25,000), price protection ($4,000), Visa Infinite Concierge, Visa Luxury Hotel Collection (900+ hotels), discounted airport lounge access via Visa Airport Companion, free GigSky eSIM data, 24/7 in-app support1,3,36Gold-plated metal card; Visa Infinite, VIP Concierge and VIP access at KAST events, Card designs: Solana Gold, KAST Gold, Pengu Gold, Visa Infinite benefits via Visa Benefits Portal: travel accident insurance (up to $1.5M), trip cancellation and delay cover, lost luggage ($3,000) and baggage delay ($600) cover, auto rental damage waiver, Purchase protection ($20,000), extended warranty ($25,000), price protection ($4,000), Visa Infinite Concierge, Visa Luxury Hotel Collection (900+ hotels), discounted airport lounge access via Visa Airport Companion, free GigSky eSIM data, 24/7 support (VIP concierge)1,3,36
Fees
FX fee0.5-1.753,5Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)0.5-1.753,5Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)0.5-1.753,5Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)
Crypto conversion fee0%3Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming0%3Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming0%3Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming
Top-up fee0%3Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)0%3Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)0%3Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)
ATM fee2%3,5On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee2%3,5On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee2%3,5On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee
ATM fixed fee$33,5USD per withdrawal$33,5USD per withdrawal$33,5USD per withdrawal
Inactivity fee$17USD per month, charged in virtual assets after 12 months with no transactions, only against available balance$17USD per month, charged in virtual assets after 12 months with no transactions, only against available balance$17USD per month, charged in virtual assets after 12 months with no transactions, only against available balance
Decline fee$0.53,18USD fee when a transaction is declined for insufficient balance$0.53,18USD fee when a transaction is declined for insufficient balance$0.53,18USD fee when a transaction is declined for insufficient balance
Limits
Limit per paymentNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance review
Spend limit a dayNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance review
Spend limit a monthNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance review
Spend limit a yearNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance reviewNo fixed limit3,4Spend is limited by available balance; very large transactions may get a compliance review
ATM limit a day$1,5003,4Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h$1,5003,4Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h$1,5003,4Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h

Real payments

FX markup paidPaymentscanAbout 1.84% FX spread against the Google rate in a real in-store payment in PLN, excluding the $0.10 low-value fee; published range is 0.5-1.75%33

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$180
FX fee on foreign spend−$44
Net a year, Standard plan$136

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

Legal entity KAST Tech is registered in Comoros. Terms name only unnamed partners as issuer.7,8

Custody and fund protection7 of 20

Custodial by default; terms say deposited assets are sold to KAST and held by a custodian. Optional self-custody mode.7,34

Incidents in the last 24 months14 of 20

No hacks found. Deposits held under review in complaints; rewards restructured in May 2026; Brazil users moved to a local entity; Points earning ends Nov-30, 2026.29,32,38,51

Track record and verified volume10 of 15

Launched 2024. $926M on-chain spend tracked by Paymentscan; 1M+ users claimed.33,30

Published fees and terms6 of 10

Fees published and updated Oct-30, 2026, but ATM limits ($500 vs $250 per withdrawal) and promo end dates conflict across pages; measured FX (1.84% in PLN) is above the published 0.5-1.75% range.20,33

Support and user sentiment4 of 10

Trustpilot 2.6, 59% one-star. App Store 3.98, Google Play 3.8.29,27,28

Company

Legal entityKAST Tech (Reg. No. 16223), Anjouan, Union of Comoros; app published on iOS by Troia Limited; local entity KAST Brasil for Brazil from Oct-16, 20267,8,27,38Terms governed by Seychelles law, arbitration seated in Singapore
HeadquartersSingapore31Leadership based in Singapore per press; the legal entity is registered in Comoros
Founded2024-0730Founders: Raagulan Pathy (CEO, ex-Circle) and Daniel Bertoli per press
Funding raised$80,000,00030$80M Series A announced Mar-2026; cumulative total not stated; reported $600M valuation (Bloomberg, unconfirmed)
InvestorsQED Investors (co-lead), Left Lane Capital (co-lead), Peak XV Partners, HSG, DST Global Partners30
Websitekast.xyz41
X@KASTxyz41
Telegramhttps://t.me/KASTCommunity41

Issuer and licence

Program managerKAST Tech7,8KAST states it is a fintech, not a bank; cards, custody and on/off-ramps come from unnamed licensed partners. Tazapay (payments) and BitGo (custody) named as examples
NetworkVisa1,2
Card levelVisa Platinum (Standard); Visa Infinite (Premium, Private)1,2

The card

Statuslive2,41
Launched2024-0627App first released on the App Store Jun-25, 2024; card launch date itself not published
Typesecured credit13KAST calls all its cards credit cards with a credit line secured by the deposited balance; you spend from your balance and merchants see 'credit'
FormsVirtualPhysicalMetal1,2Metal on Premium and Private; gold-plated on Private
Custodyhybrid7,34Default: custodial (assets held by a custodian partner). Optional Self-Custody Mode holds the USD balance as USDC in a dedicated Solana Privy wallet
How custody worksTerms say transferred assets are sold to KAST and held by a custodian on behalf of KAST; Self-Custody Mode (KAST Personal accounts where enabled) keeps the balance in a segregated Solana wallet, KAST pays gas7,34Terms wording drew criticism in press (s49)
KYCtiered19Level 1 basic account; Level 2 ID + liveness unlocks cards and core features; Level 3 proof of address + enhanced checks unlocks USD account and global payouts
KYC documentsGovernment photo ID (passport, national ID or driver's licence), Selfie / liveness check, Proof of address (for level 3), Source of funds documents if requested19,20
KYC timeUsually within minutes, up to 24 hours in some cases20Trustpilot reviewers report long holds on some accounts
Minimum age1845
Settles inUSD3,13
Card currenciesUSD3Balance and card are USD-denominated; non-USD purchases carry the FX fee

Funding

Crypto acceptedUSDTUSDCPYUSDRLUSDBTCETHSOLXRPBNBTRXXLMCROLINKUNIAAVEARBPOLPENGU16,17Stablecoins credit 1:1; other tokens (list is longer) auto-convert to stablecoins with a fee shown in app
ChainsSolanaEthereumTronPolygonBNB ChainArbitrumAvalancheTONBaseStellarOptimismSonicXRP LedgerBitcoin16,17Withdrawals are narrower: USDC on Solana/Ethereum/Arbitrum, USDT on Solana/Ethereum/Tron
Fiat top-upACHUS wireSWIFTSEPASPEIPIX3,43,46USD virtual account needs level 3 verification and is not available in all countries
Deposit feesStablecoins 0% (plus network fee); ACH $2; Fedwire $15; SWIFT $30; SEPA 0.5%; non-stablecoin tokens vary by token3
Spends fromUSD balance after 1:1 stablecoin conversion (or USDC in a dedicated Solana wallet in Self-Custody Mode); redeemed cashback is used first3,11,34

Payments

Apple Pay14Depends on country of residence registered with KAST; long list incl. US, UK, EU, LATAM, Gulf, Japan, Singapore; not on your current location
Google Pay13,15
Samsung Pay15Not supported; KAST says it is working on it
Contactless13Tap, insert or signature; select 'Credit' at terminals
Online subscriptionsYes18Works for Netflix, Spotify, Microsoft 365, Adobe etc.; failed charge for low balance costs $0.50

Where it works

RegionsWorldwideLatin AmericaMiddle EastAsia-PacificEurope (EEA)United StatesCanada21,41Card accepted at 150M+ merchants in 170+ countries (Visa acceptance, not the same as where you can sign up)
United States14,43Inferred: US-resident accounts can use Apple Pay and USD virtual accounts exist; KAST named a US General Manager Aug-11, 2026
United Kingdom14Inferred from UK being on the Apple Pay residence list
EEA14,3Inferred from EEA countries on the Apple Pay list and SEPA deposits

Account

Local accountsUSD virtual account (ACH, Fedwire, SWIFT), EUR virtual account (SEPA)41,43
P2P transfersKAST Tag transfers: free, instant, $10,000 daily max, 5 transfers per day3
Crypto to bankYes330+ payout currencies; fees e.g. USD ACH $1 / wire $15 + 0.08%, SWIFT $35, most local currencies $2 + 1% FX
Yield on balance8%9,8Reserve Rewards (promotional, not interest): 8% Standard, up to 10% Premium, up to 12% Private. CONFLICT on end date: help center says boosted rate to Jun-30, 2027 or $100M deposits; terms say promo to Dec-31, 2026; homepage says opening rate steps down to 4-8% from Jan-2027
Multi-currencyYes3,4130+ payout currencies; USD and EUR receiving accounts; balance held in USD
OtherKAST Pay and payment links, KAST Tag, Solana staking with KAST validator, Self-Custody Mode46,34

Security

Freeze card46Help center article 'How Do I Freeze or Unfreeze My KAST Card?'
Two-factorYes35MFA plus OTP; Google Authenticator 2FA setup article exists
Biometrics35Face ID / fingerprint login where supported

App

App Store rating3.9827US storefront, version 3.35.0 released Oct-22, 2026
App Store ratings28227US storefront only; another aggregator showed 2,285 reviews across storefronts in May 2026
Google Play rating3.8283.796 from 3,210 ratings
Google Play installs500K+28
App StoreOpen in App Store27
Google PlayOpen in Google Play28
LanguagesEnglishSpanishChineseTurkishPortuguese22Support also in Arabic; App Store listing shows English only
SupportIn-app Concierge chatEmailHelp Center (concierge.kast.xyz)20,46
Support hours24/7 (Standard, Premium); VIP concierge for Private3Trustpilot reviewers describe slow replies

Reputation

Trustpilot2.629Rated 'Poor'; 36% 5-star, 59% 1-star. Other regional snapshots showed 2.5-3.2
Trustpilot reviews25329216 in last 12 months; earlier snapshots 113-176
Common complaintsDeposits held under review (SEPA, ACH, PayPal), Accounts restricted or closed without clear reason, Repeated KYC/source-of-funds requests, Slow generic support, Chargebacks refused, Physical card not delivered, Referral rewards not released, Points converting to equity-like instrument instead of a token29,40
Common praiseEasy for first-time crypto users, Fast transfers and deposits, Cashback, Quick support in some cases29

Adoption

Users, claimed1,000,000+ (Mar-2026); homepage says 'trusted by millions'30,41Company claim; ~$5B annualised transaction volume claimed
On-chain spend, all time$969,800,00033On-chain tracked; DefiLlama estimates KAST card volume from MOVE cashback distributions, which were retired in May 2026, so recent figures may undercount (unverified)
On-chain spend, last month$121,000,00033Oct-2026 on-chain total per Paymentscan; Nov-2026 month to date $15.78M on Nov-05

Referrals

User referralsReferrer earns up to $50 at $600 cumulative referred spend and up to $100 total at $1,600, plus $100 for a referred Premium and $1,000 for a referred Private subscription; referred friend gets 10% off first membership23Rewards locked 14 days; amounts vary by referral's country
Affiliate programYes47Approved affiliates only; 5 levels by active referrals (5 / 50 / 100 / 500)
Affiliate pageaffiliate.kast.xyz47Application via the KAST Affiliate Program page
Affiliate termsPer referral: spend milestones up to $100-200 ($600/$1,600 spend), one-time subscription commission $100-200 (Premium) or $1,000-2,000 (Private), ongoing 0.20-0.50% of the referral's card spend; referral gets 20% off first membership24Varies by affiliate tier and referral country

Incidents and changes

Nov 2026KAST Points earning ends Nov-30, 2026; no token launch, Points convert to KAST Pioneer Units (issued by a linked SPV) in the first week of Dec-2026, ineligible users get spend vouchers; cashback continues.51fee change
Oct 2026All Brazilian users migrated to local entity KAST Brasil on Oct-16; accounts without CPF are withdrawal-only.38regulatory
Oct 2026Help center lists MNX deposits/withdrawals temporarily paused (Oct-13) and JOD/JPY payouts temporarily unavailable (Oct-02).46outage
Oct 2026KAST added an optional Self-Custody Mode (balance held as USDC in a dedicated Solana wallet on Privy), after public criticism that its terms transfer ownership of deposited crypto to KAST.54,34other
Aug 2026USD Reserve Account launched Aug-20 with promotional Reserve Rewards of 8-12%; help centre says the boosted period ends Jun-30, 2027 or when Reserve deposits reach $100 million, while kast.xyz says Jul-1, 2027.8,9,41,52fee change
Jul 2026KAST dropped plans for a points token and said points would convert to an equity-linked structure or cash alternative (see Nov-2026 entry for the final plan).40fee change
May 2026Rewards restructure: per-card subscriptions replaced by account-level Standard/Premium/Private memberships, USD cashback (1.5/2/3%) launched May-06, Season 5 points and $MOVE cashback retired, Founders card closed to new buyers (latter per secondary source).32,48,39fee change

Regional differences

LATAM (16 currencies)fx fee: 037
Brazilproduct.status: KAST Brasil entity since Oct-16, 2026; CPF required38

More details

Maximum cards per account103
ATM per-withdrawal cap$500 (help center, Oct-2026); $250 on kast.xyz/en/cards and older FAQ3,4,2,5
Small transaction fee, non-USD$0.10 on non-USD transactions under $25 (USD small transactions free)3
Stablecoin withdrawal feesSolana $1 + 0.1%; Arbitrum $0.20 + 0.1%; Ethereum $6 + 0.1%; Tron $5 + 0.1%; minimum $53
Account deposit and balance limitsUnlimited (subject to compliance)3
User-set limitsCard, bank and on-chain limits settable in app4
USD Reserve AccountInternal sub-account for funding card spend; Reserve Rewards are discretionary promotional rewards, not interest, can go to 0%; minimum transfer $2; not deposit-insured8,9
Membership billing12 months upfront; renewal prompt ~30 days before; 7-day grace on failed auto-renew then reverts to Standard; upgrading starts new 12-month cycle with no carry-over44
After paid membership endsCards keep working on Standard; only benefits change1
Separate 'AI Card' cashback scheduleRewards terms Schedule B lists 10% on first $1,000, 5% to $10,000, 3% to $50,000 for 'AI Cards' (no KAST Points); cap $50,000/month. Not the standard card; applicability unclear6
Card activation and dormancyCards not activated within 3 months may be closed; account deactivation possible after 6 months inactivity7
Dispute window90 days from transaction date7
Visa Infinite benefit limitsPrice protection $4,000; purchase protection $20,000; extended warranty $25,000; travel accident insurance $1,500,000; lost luggage $3,000; baggage delay $60036
Apple Pay country basisBased on country of residence registered with KAST, not current location14
Physical card delivery7-10 business days (cards page); standard 3-7, express 1-3, international 7-21 business days (help center)2,26
Oct-2026 month-to-date on-chain spend$92.57M as of Oct-25, 202633
Terms of service controversyPublic feud between ether.fi CEO and KAST CEO over card fees escalated into criticism of how KAST handles customer deposits (date not captured)49
Legacy tier namesOlder material uses Limited (Founders Card, $5,000 one-time) and Luxe ($10,000/yr) tiers and KAST Points rates of 1/3/5%; superseded by the May 2026 membership model42,48
Reserve promo end-date conflictkast.xyz/membership says Jul-01, 2027; help center says Jun-30, 2027; reserve terms say Dec-31, 2026; homepage news says step-down to 4-8% from Jan-20271,8,9,41
Governing lawSeychelles law; SIAC arbitration seated in Singapore; one account per user7
Summer promo (ended)5% cashback on Shopping, Dining and Travel, Aug-13 to Sep-30, 2026, max $100 per person, by merchant category code55
KAST Points end dateEarning ends Nov-30, 2026; conversion to KAST Pioneer Units in the first week of Dec-202651

Quick answers

What does the KAST Card cost?

The Standard plan: Free a month, $0 card fee + $40 delivery fee for a physical card.

How much cashback does the KAST Card pay?

1.5% on the Standard plan, paid in USD cashback (credited to rewards balance, redeemed into card balance).

What is the KAST Card FX fee?

0.5-1.75 on the Standard plan.

Is the KAST Card custodial?

Hybrid. Terms say transferred assets are sold to KAST and held by a custodian on behalf of KAST; Self-Custody Mode (KAST Personal accounts where enabled) keeps the balance in a segregated Solana wallet, KAST pays gas

Is the KAST Card available in the US, the UK and the EEA?

US: yes. UK: yes. EEA: yes.

How much do you keep with the KAST Card?

$136 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. KAST Memberships page, issuer, Nov-05, 2026
  2. KAST Crypto Card page, issuer, Nov-05, 2026
  3. Help Center: What Are the Fees and Conditions for KAST Cards and Accounts? (updated Oct-22, 2026), issuer, Nov-05, 2026
  4. Help Center: Daily Spending and ATM Withdrawal Limits (updated Oct-17, 2026), issuer, Nov-05, 2026
  5. Help Center: Can I Withdraw Cash With a KAST Card? (updated Aug-09, 2026), issuer, Nov-05, 2026
  6. Rewards Program Terms and Conditions (effective Apr-29, 2026), issuer, Oct-25, 2026
  7. Terms and Conditions of Service, issuer, Oct-25, 2026
  8. USD Reserve Account terms (effective Aug-20, 2026), issuer, Oct-25, 2026
  9. Help Center: Reserve Reward Rates and Membership Comparison, issuer, Oct-25, 2026
  10. Help Center: How Do Cashback Rewards Work on KAST?, issuer, Nov-05, 2026
  11. Help Center: How Do I Redeem My KAST Cashback?, issuer, Oct-25, 2026
  12. Help Center: Which Purchases Earn Cashback on KAST? (MCCs and exclusions), issuer, Oct-25, 2026
  13. Help Center: Is My KAST Card a Debit or Credit Card?, issuer, Oct-25, 2026
  14. Help Center: Apple Pay Availability for KAST Cards, issuer, Oct-25, 2026
  15. Help Center: Can I use my KAST card with Samsung Pay?, issuer, Oct-25, 2026
  16. Help Center: What Tokens and Blockchains Does KAST Support?, issuer, Oct-25, 2026
  17. Help Center: Which Stablecoins Are Supported on the KAST App?, issuer, Oct-25, 2026
  18. Help Center: Can I Pay for Subscriptions With My KAST Card?, issuer, Oct-25, 2026
  19. Help Center: How Do I Complete Identity Verification (KYC)?, issuer, Oct-25, 2026
  20. Help Center: What Information Do I Need To Verify My KAST Account?, issuer, Oct-25, 2026
  21. Help Center: Is the KAST Card Available in My Country?, issuer, Oct-25, 2026
  22. Help Center: What Languages Are Available in the KAST App?, issuer, Oct-25, 2026
  23. Help Center: How Does the KAST Referral Program Work? (updated Oct-22, 2026), issuer, Oct-25, 2026
  24. Help Center: What Rewards Can I Earn as a KAST Affiliate? (updated Oct-22, 2026), issuer, Oct-25, 2026
  25. Help Center: How Much Do Standard Physical KAST Cards Cost?, issuer, Oct-25, 2026
  26. Help Center: When Will I Receive My KAST Card Order?, issuer, Oct-25, 2026
  27. Apple App Store lookup: KAST: Global USD Account (US storefront), app store, Oct-25, 2026
  28. Google Play: KAST: Global USD Account, app store, Oct-25, 2026
  29. Trustpilot: KAST reviews, trustpilot, Oct-25, 2026
  30. Stablecoin FinTech KAST raises $80m Series A, press, Oct-25, 2026
  31. Singapore's KAST raises $80M in Series A, press, Oct-25, 2026
  32. KAST launches USD stablecoin cashback (May 6, 2026), press, Oct-25, 2026
  33. Paymentscan: KAST card on-chain spend, paymentscan, Nov-05, 2026
  34. Help Center: Self-Custody Mode: What it Means and How it Works, issuer, Oct-25, 2026
  35. Help Center: Is My Money Safe on KAST?, issuer, Oct-25, 2026
  36. Help Center: What Are KAST V2 Infinite Cards and How Do I Get One?, issuer, Oct-25, 2026
  37. Help Center: How Does KAST's LATAM 0% FX Fee Promotion Work?, issuer, Nov-05, 2026
  38. Help Center: How does the KAST Brasil migration affect users in Brazil?, issuer, Oct-25, 2026
  39. Help Center: What Are KAST Memberships and How Do They Work?, issuer, Oct-25, 2026
  40. Help Center: What are KAST Points?, issuer, Oct-25, 2026
  41. KAST homepage and news ticker, issuer, Oct-25, 2026
  42. The complete guide to KAST Cards (Mar-05, 2026; pre-restructure, partly outdated), issuer, Oct-25, 2026
  43. Help Center: USD Virtual Account: Availability, Requirements, issuer, Oct-25, 2026
  44. Help Center: How Much Do KAST Memberships Cost and What Fees Should I Expect?, issuer, Oct-25, 2026
  45. Help Center: How Can I Verify My Age If I Was Flagged By Mistake?, issuer, Oct-25, 2026
  46. Help Center article index (titles and update dates, Zendesk API), issuer, Nov-05, 2026
  47. Help Center: How Does the Affiliate Program Work?, issuer, Oct-25, 2026
  48. VaultLeap: KAST Card Fees & Limits Review (2026), via search summary, other, Oct-25, 2026
  49. The Defiant: KAST's terms of service draw fire after public feud with ether.fi CEO (headline only), press, Oct-25, 2026
  50. Help Center: Why Is My Country Restricted from Accessing KAST?, issuer, Oct-25, 2026
  51. The End of Points Earning and the Transition, issuer, Nov-05, 2026
  52. How Does the KAST Reserve Account Work?, issuer, Nov-05, 2026
  53. Can I Use My KAST Card to Pay in Different Currencies?, issuer, Nov-05, 2026
  54. Finek channel post, Oct-08, 2026: KAST self-custody mode, community, Nov-05, 2026
  55. Finek channel post, Aug-12, 2026: KAST summer sale, community, Nov-05, 2026

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