Yearly cost at three spending levels
| Monthly spend | KOSH | ether.fi Cash |
|---|---|---|
| $500 | ≥ $14 Everyday | ≥ -$162 Core |
| $2,000 | ≥ $32 Everyday | ≥ -$648 Core |
| $5,000 | ≥ $68 Everyday | ≥ -$540 Core |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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 | $72 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $8 | $0 |
| Cashback | -$0 | -$720 |
| Yearly cost | $32 | -$648 |
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 1.5%.
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 is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) 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. The ATM fee on Core is not published as a fixed figure.
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