Yearly cost at three spending levels
| Monthly spend | KAST | Binance Card |
|---|---|---|
| $500 | $15 Standard | -$20.40 Tier 2 |
| $2,000 | -$192 Standard | -$386.40 Tier 3 |
| $5,000 | -$66 Standard | -$398.40 Tier 3 |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | KAST Standard | Binance Card Tier 3 |
|---|---|---|
| Top-up and conversion fees | $0 | $237.60 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $84.00 | $96 |
| ATM fees | $84 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$360 | -$720 |
| Yearly cost | -$192 | -$386.40 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. Binance Card charges 0.9% and 2%.
The conversion fee applies to every dollar you load, so KAST's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.
ATM withdrawals: KAST 2% + $3; Binance Card $1.50 after 2 free a month.
A virtual card costs nothing with KAST and nothing with Binance Card. A physical card costs $40 and $10. Neither card has an annual fee on its base tier.
Cashback and rewards
KAST cashback: 1.5% to 3%. Binance Card cashback: 1.5% to 3%.
KAST tiers: Standard: 1.5% on the first $2,000 a month; Premium ($1,000 a year): 2% on the first $10,000 a month; Private ($10,000 a year): 3% on the first $40,000 a month.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
KAST needs full KYC and Binance Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
KAST publishes ATM withdrawals of up to $750 a day.
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
KAST works with Apple Pay and Google Pay, and Binance Card works with Apple Pay. KAST and Binance Card issue a virtual card you can use straight away.
Custody and safety
KAST scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. KAST's terms say accounts, cards and custody are provided by licensed partners and the card is issued "by the Issuer under license from Visa", without naming the issuer.
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
Full reports: KAST safety check and Binance Card safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Which card fits you
KAST fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Binance Card fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KAST fees and details · Binance Card fees and details · Binance Card review