Yearly cost at three spending levels
| Monthly spend | KAST | Crypto.com Card |
|---|---|---|
| $500 | -$15 Standard | ≤ -$24 Basic (Midnight) |
| $2,000 | +$192 Standard | ≤ -$96 Basic (Midnight) |
| $5,000 | +$66 Standard | ≤ -$240 Basic (Midnight) |
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 | Crypto.com Card Basic (Midnight) |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | -$96 |
| ATM fees | -$84 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$360 | $0 |
| Net per year | +$192 | -$96 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. Crypto.com Card charges Not disclosed and 2%.
ATM withdrawals: KAST 2% + $3; Crypto.com Card 2% after €200 free a month.
A virtual card costs nothing with KAST and nothing with Crypto.com Card. A physical card costs $40 and €4.99. Neither card has an annual fee on its base tier.
Cashback and rewards
KAST cashback: 1.5% to 3%. Crypto.com Card cashback: None.
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.
Crypto.com Card tiers: Basic (Midnight): 0%.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
KAST needs full KYC and Crypto.com 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.
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
KAST works with Apple Pay and Google Pay, and Crypto.com Card works with Apple Pay and Google Pay. KAST and Crypto.com 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.
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
Full reports: KAST safety check and Crypto.com Card safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
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.
- You want a higher cashback ceiling (up to 3%).
Crypto.com Card fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KAST fees and details · Crypto.com Card review