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Bitwala Card vs KAST

Bitwala Card

Crypto native

7.0
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KAST

Crypto native

6.0
Get the card

Verdict

  • Bitwala Card scores higher overall (7.0 vs 6.0 out of 10).
  • Bitwala Card is clearly stronger on: Custody & security, Limits & ATM, Transparency.
  • KAST is clearly stronger on: Fees, Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

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, Product features, 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 & sourcesBitwala Card vs ether.fi CashKAST vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardKAST
Fees8899
Cashback & rewards–35
Availability100–
FX & international–30
Product features5870
Custody & security7060
Credit & financing3070
Limits & ATM6033
Transparency10086
Best for Cashbackn/a5.2
Best for Travel6.65.0
Best for DeFi Users6.26.3
Best for Stablecoins6.86.3
Best for High Spendersn/a5.2
Best for Low Fees7.67.0
Best for Beginners7.97.2
Best Crypto Credit Cardn/a7.0

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 cardShow source
Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

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

Tiers / plans

No data yet
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

FreeShow source
No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

Virtual card fee

€0.99Show source
$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

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

No data yet

ATM fee

€2 + 1%Show source
$3 + 2%Conditions apply: tap or hover for detailsShow source

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

Small transaction fee

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

Non-USD transactions under $25

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow 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-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

EEAShow source
No data yet

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

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

YesShow source
YesShow source

Spendable assets

BTC · ETH · USDC · EURShow source
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

Security & custody

Deposit protection

No data yet
NoShow source

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashbackunknown
  • 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 Bitwala Card comparisons

More KAST comparisons