Yearly cost at three spending levels
| Monthly spend | KAST | Xapo |
|---|---|---|
| $500 | -$15 Standard | -$1,024 Membership |
| $2,000 | +$192 Standard | -$1,024 Membership |
| $5,000 | +$66 Standard | -$1,024 Membership |
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 | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | $0 |
| ATM fees | -$84 | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | +$360 | $0 |
| Net per year | +$192 | -$1,024 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: KAST 2% + $3; Xapo 2% after $100 free a month.
A virtual card costs nothing with KAST and nothing with Xapo. A physical card costs $40 and nothing.
Cashback and rewards
KAST cashback: 1.5% to 3%. Xapo 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.
Xapo tiers: Membership: 0%.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
KAST needs full KYC and Xapo 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.
Xapo does not publish fixed spending or ATM limits.
KAST works with Apple Pay and Google Pay, and Xapo does not list either. KAST and Xapo 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.
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
Full reports: KAST safety check and Xapo safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Which card fits you
KAST fits if
- You want a higher cashback ceiling (up to 3%).
Xapo fits if
- 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 · Xapo fees and details