Yearly cost at three spending levels
| Monthly spend | KOSH | ether.fi Cash |
|---|---|---|
| $500 | ≤ -$14 Everyday | ≤ +$180 Core |
| $2,000 | ≤ -$32 Everyday | ≤ +$720 Core |
| $5,000 | ≤ -$68 Everyday | ≤ +$720 Core |
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 | KOSH Everyday | ether.fi Cash Core |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | Not disclosed |
| Foreign exchange markup | -$24 | Not disclosed |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | -$8 | $0 |
| Cashback | $0 | +$720 |
| Net per year | -$32 | +$720 |
Fees
KOSH charges 0% to convert or top up and 0.5% on spending in a foreign currency. ether.fi Cash charges Not disclosed and Not disclosed.
ATM withdrawals: KOSH 1% + $1; ether.fi Cash not disclosed.
A virtual card costs nothing with KOSH and nothing with ether.fi Cash. A physical card costs $80 and an undisclosed fee.
Cashback and rewards
KOSH cashback: None. ether.fi Cash cashback: 3% to 4%.
KOSH tiers: Everyday: 0%.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
Availability and KYC
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
ether.fi Cash does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand the first virtual card costs $10.
KOSH needs full KYC and ether.fi Cash needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
KOSH publishes ATM withdrawals of up to $750 a day.
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
KOSH works with Apple Pay and Google Pay, and ether.fi Cash works with Apple Pay and Google Pay. Neither card issue a virtual card you can use straight away.
Custody and safety
KOSH 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. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
ether.fi Cash scores 60/100. 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. ether.fi describes Cash as a non-custodial account. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.
Full reports: KOSH safety check and ether.fi Cash safety check.
About each card
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Which card fits you
KOSH 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.
ether.fi Cash fits if
- You want to keep crypto in your own wallet until each payment.
- You want a higher cashback ceiling (up to 4%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: KOSH fees and details · ether.fi Cash fees and details