ether.fi Cash vs KAST
Crypto native
Crypto native
Verdict
- ether.fi Cash scores higher overall (8.2 vs 6.0 out of 10).
- ether.fi Cash is clearly stronger on: Cashback & rewards, FX & international, Product features, Custody & security, Limits & ATM.
- For 1,500 EUR/month of spend, ether.fi Cash comes out about 311 EUR a year ahead on base-tier terms.
ether.fi Cash is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, FX & international, Product features, Custody & security, Limits & ATM
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Score by criterion
| Criterion | ether.fi Cash | KAST |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 69 | 35 |
| Availability | 100 | – |
| FX & international | 40 | 30 |
| Product features | 100 | 70 |
| Custody & security | 85 | 60 |
| Credit & financing | 75 | 70 |
| Limits & ATM | 60 | 33 |
| Transparency | 79 | 79 |
| Best for Cashback | 7.8 | 5.1 |
| Best for Travel | 6.9 | 5.0 |
| Best for Self-Custody | 8.2 | n/a |
| Best for DeFi Users | 8.2 | 6.3 |
| Best for Stablecoins | 7.8 | 6.2 |
| Best for High Spenders | 7.1 | 5.1 |
| Best for Low Fees | 7.6 | 6.9 |
| Best for Beginners | 9.1 | 7.0 |
| Best Crypto Credit Card | 7.9 | 6.9 |
Product
Product status
ActiveShow source
Product status: Active
Source states (paraphrased): Help center describes current personal and corporate Cash cards.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source states (paraphrased): Fee page updated in October 2026.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Marketed as a credit card; Direct Pay mode spends your own balance
Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Marketed as a credit card; Direct Pay mode spends your own balance
Stablecoin cardShow source
Card type: Stablecoin card
Source states (paraphrased): Cards spend stablecoins at Visa merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Network
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
VisaShow source
Network: Visa
Source states (paraphrased): The card works wherever Visa is accepted.
Source: Where Can I Use My KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custody*Show source
Custody model: Self-custody
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.
Source: Personal Account
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Custodial*Show source
Custody model: Custodial
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Source states (paraphrased): thereafter held by a Custodian part of our Partners
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Card issuer / program manager
Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.*Show source
Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Tiers / plans
Core · Luxe · Pinnacle · VIPShow source
Tiers / plans: Core · Luxe · Pinnacle · VIP
Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Standard · Premium · Private*Show source
Tiers / plans: Standard · Premium · Private
Account-level memberships replacing card tiers (announced May 5, 2026)
Source states (paraphrased): choose Standard, Premium, or Private
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
Free*Show source
Annual fee: Free
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Free*Show source
Annual fee: Free
Standard membership; Premium $1,000/yr, Private $10,000/yr
Source states (paraphrased): Standard membership costs $0 per year.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership; Premium $1,000/yr, Private $10,000/yr
Monthly fee
Free*Show source
Monthly fee: Free
Core membership
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership
Physical card fee
$60*Show source
Physical card fee: $60
Core, including shipping; Luxe and higher get 1 free
Source states (paraphrased): Physical card: $60, including shipping
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core, including shipping; Luxe and higher get 1 free
$40*Show source
Physical card fee: $40
Delivery fee; the Standard physical card itself is free
Source states (paraphrased): Standard physical cards: no card fee, $40 delivery fee.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 88%
Delivery fee; the Standard physical card itself is free
Virtual card fee
Free*Show source
Virtual card fee: Free
First virtual card free on Core; $10 in some regions and for further cards
Source states (paraphrased): Virtual cards: 1 free
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
First virtual card free on Core; $10 in some regions and for further cards
Free*Show source
Virtual card fee: Free
Standard; in certain markets Standard virtual card issuance may include a $2 fee
Source states (paraphrased): 2 free cards, virtual or physical
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Standard; in certain markets Standard virtual card issuance may include a $2 fee
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
1.75%*Show source
FX fee: 1.75%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
Source states (paraphrased): 0.5%–1.75% foreign exchange fee on non-USD card spend.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
ATM fee
2%Show source
ATM fee: 2%
Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.
Source: The DeFi-Native Crypto Credit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
$3 + 2%*Show source
ATM fee: $3 + 2%
Plus FX fee on non-USD ATMs; operators may add charges
Source states (paraphrased): ATM fee is $3 plus 2% of the withdrawal.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus FX fee on non-USD ATMs; operators may add charges
Small transaction fee
$0.10*Show source
Small transaction fee: $0.10
Non-USD transactions under $25
Source states (paraphrased): $0.10 fee on non-USD transactions under $25.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-USD transactions under $25
Other fees & markups
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
Other fees & markups: 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 fees
Source states (paraphrased): The Company will charge a monthly inactivity fee of $1 in the platform's primary Virtual Assets on dormant accounts.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
3%*Show source
Base cashback: 3%
Core membership, on the first $2,000 of card spend per month
Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Core membership, on the first $2,000 of card spend per month
1.5%*Show source
Base cashback: 1.5%
Standard membership, first $2,000 of spend per month
Source states (paraphrased): Standard: 1.5% cashback on the first $2,000 per month.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership, first $2,000 of spend per month
Max cashback
4%*Show source
Max cashback: 4%
VIP membership, on the first $50,000 of card spend per month
Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
VIP membership, on the first $50,000 of card spend per month
3%*Show source
Max cashback: 3%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Source states (paraphrased): Private: 3% on the first $40,000 per month, plus 2% KAST Points.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Cashback paid in
ETHFIShow source
Cashback paid in: ETHFI
Source states (paraphrased): Cashback is converted to ETHFI at the current price.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
USDShow source
Cashback paid in: USD
Source states (paraphrased): Paid memberships also include both USD cashback and KAST Points on eligible spend.
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
5.35%*Show source
Interest on balance: 5.35%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.
Source: https://www.ether.fi/earn
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Standard; Premium $10,000, Private $40,000 per month
Source states (paraphrased): Monthly cashback-eligible spend caps per membership.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow source
Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month
Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Cashback conditions: Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availability
Source states (paraphrased): Points bonus by membership; rewards subject to eligibility and caps.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward expiry / vesting
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source
Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed
Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward expiry / vesting: Accrued unused benefits/rewards are forfeited when the membership expires or is terminated
Source states (paraphrased): will be forfeited unless otherwise specified on the Platform
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Reward exclusions
ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)Show source
Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)
Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Some merchant categories excludedShow source
Reward exclusions: Some merchant categories excluded
Source states (paraphrased): some merchant categories are excluded
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Borrow Mode
Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Borrow Mode
Yes*Show source
Credit line: Yes
Card described as a credit card secured by deposited virtual assets
Source states (paraphrased): access to credit secured by your deposited virtual assets held by the Custodian
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card described as a credit card secured by deposited virtual assets
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Collateral assets
USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx*Show source
Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Source states (paraphrased): Supported assets and their Product LTV
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Max loan-to-value
81%*Show source
Max loan-to-value: 81%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Source states (paraphrased): USDC | 81%
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Interest notes
Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source
Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously
Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Grace period
None; interest accrues immediately after borrowingShow source
Grace period: None; interest accrues immediately after borrowing
Source states (paraphrased): There is no grace period
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Repayment
Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source
Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account
Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): Help center lists per-asset liquidation thresholds.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Direct Pay Mode spends your balance.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Spend by borrowing against collateral
YesShow source
Spend by borrowing against collateral: Yes
Source states (paraphrased): Borrow Mode borrows against your collateral.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Availability
Available in
AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States*Show source
Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below
Source: In which countries is the Cash card available?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Only where Apple Pay is supported
Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where Apple Pay is supported
Yes*Show source
Apple Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Help article explains adding the card to Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Yes*Show source
Google Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Physical card
Yes*Show source
Physical card: Yes
Not shipped to every eligible region
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not shipped to every eligible region
YesShow source
Physical card: Yes
Source states (paraphrased): How do I order a physical KAST card?
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Virtual card: Yes
Source states (paraphrased): Instant virtual card
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 92%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Not permitted in North Korea, Iran and Myanmar
Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Not permitted in North Korea, Iran and Myanmar
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): KAST cards can withdraw cash at ATMs.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 92%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): This works whether your spending token is USDC or EURC
Source: EUR purchases 0% FX Rate
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Spend stablecoins at 150M+ merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Airport lounge access
Yes*Show source
Airport lounge access: Yes
Core: 2 free passes to premium lounges; unlimited from Pinnacle
Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core: 2 free passes to premium lounges; unlimited from Pinnacle
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Auto rental coverage, shared across all memberships
Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental coverage, shared across all memberships
Purchase protection
Yes*Show source
Purchase protection: Yes
Purchase and price protection, all memberships
Source states (paraphrased): Purchase and price protection
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase and price protection, all memberships
Spendable assets
USDC · LiquidUSD*Show source
Spendable assets: USDC · LiquidUSD
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
Source states (paraphrased): from your USDC or LiquidUSD balance
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
USDT · USDC*Show source
Spendable assets: USDT · USDC
Acceptable Tokens for deposit
Source states (paraphrased): Currently, this includes Tether (USDT), and USD Coin (USDC).
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Acceptable Tokens for deposit
Blockchains
Ethereum · Polygon · Optimism · Arbitrum · Scroll*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Ethereum · Solana · Polygon · Arbitrum · TRON*Show source
Blockchains: Ethereum · Solana · Polygon · Arbitrum · TRON
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Source states (paraphrased): across chains including Ethereum, Solana, Polygon, Arbitrum and TRON
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
$25,000*Show source
ATM limit: $25,000
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
Source states (paraphrased): | Core | $5,000 | 5 | $25,000
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
$750*Show source
ATM limit: $750
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Source states (paraphrased): so $750 a day
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Security & custody
Regulation / licences
Ether.Fi states it is not licensed to provide financial services as part of the Card Services*Show source
Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Deposit protection
No*Show source
Deposit protection: No
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
Source states (paraphrased): This is not deposit insurance
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
NoShow source
Deposit protection: No
Source states (paraphrased): Your account is not covered by insurance against losses.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Annual cost at 1,500 EUR/month
ether.fi Cash
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+540 EUR
- Net annual value462 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