Yearly cost at three spending levels
| Monthly spend | KAST | Plutus |
|---|---|---|
| $500 | -$15 Standard | ≤ -$23.02 Starter (€6.99 a month) |
| $2,000 | +$192 Standard | ≤ -$113.02 Starter (€6.99 a month) |
| $5,000 | +$66 Standard | ≤ -$293.02 Starter (€6.99 a month) |
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 | Plutus Starter (€6.99 a month) |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | -$120 |
| ATM fees | -$84 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$95.60 |
| Cashback | +$360 | +$102.58 |
| Net per year | +$192 | -$113.02 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. Plutus charges 0% and 2.5%.
ATM withdrawals: KAST 2% + $3; Plutus 2.5%.
A virtual card costs nothing with KAST and nothing with Plutus. A physical card costs $40 and €9.99. Neither card has an annual fee on its base tier.
Cashback and rewards
KAST cashback: 1.5% to 3%. Plutus cashback: 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.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
KAST needs full KYC and Plutus 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.
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
KAST works with Apple Pay and Google Pay, and Plutus does not list either. KAST and Plutus 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.
Plutus 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Full reports: KAST safety check and Plutus safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
Which card fits you
KAST fits if
- You spend in foreign currencies often, since its FX markup is lower.
Plutus fits if
- Its fees and availability match your situation better on the table above.
Read more: KAST fees and details · Plutus fees and details