Yearly cost at three spending levels
| Monthly spend | KAST | OKX Card |
|---|---|---|
| $500 | -$15 Standard | ≤ +$111.60 Non-VIP |
| $2,000 | +$192 Standard | ≤ +$453.60 Non-VIP |
| $5,000 | +$66 Standard | ≤ +$621.46 Non-VIP |
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 | OKX Card Non-VIP |
|---|---|---|
| Top-up and conversion fees | $0 | -$26.40 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | $0 |
| ATM fees | -$84 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$360 | +$480 |
| Net per year | +$192 | +$453.60 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. OKX Card charges 0.1% and 0%.
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 $1.
ATM withdrawals: KAST 2% + $3; OKX Card no atm access (virtual card only).
A virtual card costs nothing with KAST and nothing with OKX Card. 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%. OKX Card cashback: 2% to 10%.
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.
OKX Card tiers: Non-VIP: 2% on the first €2,500 a month, capped at €50 a month; VIP 1: 4% on the first €7,500 a month, capped at €300 a month; VIP 2: 4.5% on the first €10,000 a month, capped at €450 a month; VIP 3: 5% on the first €20,000 a month, capped at €1,000 a month; VIP 4+: 10% on the first €10,000 a month, capped at €1,000 a month.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
OKX Card: Cashback is earned only on purchases paid with USDG and is credited in USDG. The VIP level depends on your OKX balance and trading volume. Rates apply from 1 September 2026.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
OKX Card is offered in 28 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.
KAST needs full KYC and OKX 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.
OKX Card does not publish fixed spending or ATM limits.
KAST works with Apple Pay and Google Pay, and OKX Card works with Apple Pay and Google Pay. KAST and OKX 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.
OKX Card scores 74/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider licence from the Malta Financial Services Authority (OKX Europe Limited); OKX says the card itself is not a MiCA-licensed product). 2025-02-24: Aux Cayes FinTech Co. Ltd., an OKX operator, pleaded guilty in the US to operating an unlicensed money transmitting business and agreed to pay more than $504 million. 2025-04-03: Malta's Financial Intelligence Analysis Unit fined OKX's European entity €1.1 million for anti-money laundering failures in 2023. OKX publishes a monthly proof of reserves; the 45th report was published on 30 July 2026.
Full reports: KAST safety check and OKX Card safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
OKX Card (Europe) is a self-custody Mastercard from OKX Europe Limited (Malta). It tops up with USDC and USDG and its balance is held in EUR.
Which card fits you
KAST fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
OKX Card 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 want a higher cashback ceiling (up to 10%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KAST fees and details · OKX Card fees and details