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Bitsa Card vs KAST

Bitsa Card

Crypto enabled

5.9
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KAST

Crypto native

6.0
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Verdict

  • KAST scores higher overall (6.0 vs 5.9 out of 10).
  • Bitsa Card is clearly stronger on: Custody & security, Limits & ATM, Transparency.
  • KAST is clearly stronger on: Fees, Cashback & rewards, Credit & financing.
  • For 1,500 EUR/month of spend, KAST comes out about 232 EUR a year ahead on base-tier terms.

Bitsa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Custody & security, Limits & ATM, Transparency

KAST is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Fees, Cashback & rewards, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesBitsa Card vs ether.fi CashKAST vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardKAST
Fees8299
Cashback & rewards035
Availability100–
FX & international3030
Product features7070
Custody & security7560
Credit & financing3070
Limits & ATM7533
Transparency10086
Best for Cashback4.05.2
Best for Travel5.65.0
Best for DeFi Usersn/a6.3
Best for Stablecoinsn/a6.3
Best for High Spenders3.65.2
Best for Low Fees7.07.0
Best for Beginners7.67.2
Best Crypto Credit Cardn/a7.0
Best E-Money Card6.9n/a

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Prepaid card, E-money cardShow source
Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

CustodialConditions apply: tap or hover for detailsShow source

Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
No data yet

Tiers / plans

Free · Move · ProShow source
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

Account-level memberships replacing card tiers (announced May 5, 2026)

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

FreeConditions apply: tap or hover for detailsShow source

Standard membership; Premium $1,000/yr, Private $10,000/yr

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

No data yet

Physical card fee

€20Show source
$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

Virtual card fee

€2.50Show source
$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

1.75%Conditions apply: tap or hover for detailsShow source

Up to; 0.5%–1.75% on non-USD card spend depending on membership

Top-up fee

1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

No data yet

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

$3 + 2%Conditions apply: tap or hover for detailsShow source

Plus FX fee on non-USD ATMs; operators may add charges

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

Small transaction fee

No data yet
$0.10Conditions apply: tap or hover for detailsShow source

Non-USD transactions under $25

Other fees & markups

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source

Cashback & rewards

Base cashback

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Standard membership, first $2,000 of spend per month

Max cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points

Cashback paid in

No data yet
USDShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

No data yet

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Standard; Premium $10,000, Private $40,000 per month

Cashback conditions

No data yet
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source

Reward expiry / vesting

No data yet
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source

Reward exclusions

No data yet
Some merchant categories excludedShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Card described as a credit card secured by deposited virtual assets

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesShow source
No data yet

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Region-dependent

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Region-dependent

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

Blockchains

No data yet
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source

Deposit networks for USDT/USDC; list not exhaustive, varies by coin

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

$750Conditions apply: tap or hover for detailsShow source

$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

No data yet

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

KAST

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−56 EUR
  • Cashback+270 EUR
  • Net annual value151 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bitsa Card comparisons

More KAST comparisons