Fees

KAST Card — fee schedule Taken from KAST Finance’s own documentation. Anything the issuer does not publish is marked, never estimated.
Item Fee
Virtual card issuance First 2 free, then 2 USD each; in some countries the first card already costs 2 USD
Physical card issuance Card free, 40 USD shipping
Annual fee Free (Standard); 1,000 USD/yr Premium; 10,000 USD/yr Private
Account maintenance Free
Deposit fee Stablecoin 0%; other tokens auto-converted 2–5%; ACH 2 USD; FedWire/SWIFT 15 USD; SEPA 0.5%
Same-currency transaction Free (USD)
Non-default currency transaction 0.5%–1.75% (by residence and merchant country)
Crypto conversion Stablecoin to USD 1:1, 0% spread
ATM withdrawal (USD card) 3 USD + 2% of the amount (non-USD adds the 0.5%-1.75% FX fee on top)
Small authorisation USD free; non-USD under 25 USD costs 0.10 USD
Declined transaction 0.50 USD when declined for insufficient balance

Limits

Balance limit No cap
Per-transaction limit No cap
Daily transaction limit No cap
ATM withdrawal limit 250 USD per withdrawal; max 3 or 750 USD per 24 hours

Cashback

Standard 1.5% (first 2,000 USD/mo) / Premium 2% (first 10,000) / Private 3% (first 40,000)

Who can apply

We have not confirmed whether Taiwan or Hong Kong residents can complete onboarding. Issuance fees are usually non-refundable, so walk the app as far as the KYC step before paying anything.

Where these numbers come from

Every figure above was read from the issuer’s own page: https://concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-Conditions-for-KAST-Cards-and-Accounts. We last read it on 2026-08-04.

Checking note

Checked item by item on 2026-08-04 against the official fees page. Everything matched. Two conditions we had missed are now included: in some countries the first virtual card already costs 2 USD, and non-USD ATM withdrawals add the 0.5%-1.75% FX fee on top of the 3 USD + 2%. Account maintenance: the official fee table has no such line item, so we record it as free. Note: the page's prose calls the top tier "Limited" while every table says "Private"; we follow the tables. Region tags (2026-08-04): left as "not confirmed". KAST does not publish a supported-country list — its own article states that you pick your country from a dropdown during KYC and that an absent country means it has not launched there. Availability is therefore only visible inside the app. With no citable official document, we do not mark it as available.