Yearly cost at three spending levels
| Monthly spend | KAST | Bitget Wallet |
|---|---|---|
| $500 | -$15 Standard | ≤ +$99.60 Base |
| $2,000 | +$192 Standard | ≤ +$398.40 Base |
| $5,000 | +$66 Standard | ≤ +$996 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed 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 | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | -$81.60 |
| ATM fees | -$84 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$360 | +$480 |
| Net per year | +$192 | +$398.40 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
ATM withdrawals: KAST 2% + $3; Bitget Wallet no atm access (virtual card only).
A virtual card costs nothing with KAST and $0.10 with Bitget Wallet. A physical card costs $40 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
KAST cashback: 1.5% to 3%. Bitget Wallet cashback: 2% 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.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
KAST needs full KYC and Bitget Wallet 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.
Bitget Wallet does not publish fixed spending or ATM limits.
KAST works with Apple Pay and Google Pay, and Bitget Wallet works with Apple Pay and Google Pay. KAST and Bitget Wallet 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.
Bitget Wallet scores 65/100. 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. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: KAST safety check and Bitget Wallet safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Which card fits you
KAST fits if
- Its fees and availability match your situation better on the table above.
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KAST fees and details · Bitget Wallet fees and details