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Bitstack Card vs KAST

Bitstack Card

Crypto enabled

5.5
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KAST

Crypto native

6.0
Get the card

Verdict

  • KAST scores higher overall (6.0 vs 5.5 out of 10).
  • Bitstack Card is clearly stronger on: Custody & security, Limits & ATM, Transparency.
  • KAST is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitstack 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: 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
Get the card
Review & sourcesBitstack Card vs ether.fi CashKAST vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardKAST
Fees9799
Cashback & rewards2235
Availability3–
FX & international–30
Product features7070
Custody & security7560
Credit & financing3070
Limits & ATM8433
Transparency10086
Best for Cashback4.55.2
Best for Travel5.95.0
Best for DeFi Usersn/a6.3
Best for Stablecoinsn/a6.3
Best for High Spenders5.15.2
Best for Low Fees8.47.0
Best for Beginners6.77.2
Best Crypto Credit Cardn/a7.0
Best E-Money Card7.0n/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

Debit cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

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

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
No data yet

Tiers / plans

Standard · PlusShow source
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

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

Fees

Annual fee

No data yet
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

Standard; Plus €2.99/month or €29.99/year

No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

Virtual card fee

No data yet
$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

FX fee

No data yet
1.75%Conditions apply: tap or hover for detailsShow source

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

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

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

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

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

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

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show 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

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

1.5%Conditions apply: tap or hover for detailsShow source

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

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

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

BTCShow source
USDShow source

Cashback type

CryptoShow source
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

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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

FranceShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

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

No data yet
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

No data yet
$750Conditions apply: tap or hover for detailsShow source

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

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
No data yet

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual valuenot enough data

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 Bitstack Card comparisons

More KAST comparisons