Verdict
- Revolut scores higher overall (7.1 vs 6.0 out of 10).
- KAST is clearly stronger on: Cashback & rewards.
- Revolut is clearly stronger on: FX & international, Custody & security, Limits & ATM.
- For 1,500 EUR/month of spend, KAST comes out about 151 EUR a year ahead on base-tier terms.
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards
Revolut is a good fit for
- Frequent travellers
Stronger on: FX & international, Custody & security, Limits & ATM
Score by criterion
| Criterion | KAST | Revolut |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 35 | 5 |
| Availability | – | 100 |
| FX & international | 30 | 100 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 70 | – |
| Limits & ATM | 33 | 64 |
| Transparency | 86 | 93 |
| Best for Cashback | 5.2 | 4.8 |
| Best for Travel | 5.0 | 8.2 |
| Best for DeFi Users | 6.3 | n/a |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 5.2 | 5.2 |
| Best for Low Fees | 7.0 | 9.4 |
| Best for Beginners | 7.2 | 7.9 |
| Best Crypto Credit Card | 7.0 | n/a |
| Best E-Money Card | n/a | 9.0 |
Product
Product status
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%
ActiveShow source
Product status: Active
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
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 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
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
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Tiers / plans
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)
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/mo*Show source
Tiers / plans: Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/mo
Austria
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Austria
Fees
Annual fee
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
Standard plan; paid plans €3.99–€60/month (Austria)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard plan; paid plans €3.99–€60/month (Austria)
Physical card fee
$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
$2*Show source
Virtual card fee: $2
Certain markets only, Standard tier
Source states (paraphrased): In certain markets, Standard virtual card issuance may include a $2 fee.
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Certain markets only, Standard tier
FX fee
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
0%*Show source
FX fee: 0%
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
Source states (paraphrased): Currency exchange amount with no additional fees, Mon - Fri ... €1,000/month limit Additional weekend currency exchange fees 1%
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
ATM fee
$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
2%*Show source
ATM fee: 2%
After the monthly free allowance
Source states (paraphrased): A 2% fee applies once you go over the monthly limit.
Source: Revolut Premium (Austria)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the monthly free allowance
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
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%
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Other fees & markups: 2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limit
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
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
0%*Show source
Base cashback: 0%
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Source states (paraphrased): RevPoints: Earn 1 point per €10 spent (Standard)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Max cashback
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
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
Points*Show source
Cashback type: Points
RevPoints, redeemable for air miles and Stays discounts
Source states (paraphrased): RevPoints are earned through everyday spending, turning card purchases into travel benefits like air miles and Stays discount
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
RevPoints, redeemable for air miles and Stays discounts
Interest on balance
1%*Show source
Interest on balance: 1%
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Source states (paraphrased): Instant Access Savings (EUR) Interest is shown in p.a. (variable). T&Cs apply 1% p.a.
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Cashback-eligible spend cap
$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 1 day ago (Fresh) · confidence 70%
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
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
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
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
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
Availability
Available in
EEA*Show source
Available in: EEA
Personal accounts; other supported regions listed on the help page
Source: Where you can sign up for Revolut
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Personal accounts; other supported regions listed on the help page
Account / spend currencies
EUR*Show source
Account / spend currencies: EUR
Austrian accounts; multi-currency accounts available
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
YesShow source
Own IBAN / bank details: Yes
Source states (paraphrased): move your salary by sharing your account number or IBAN with your employer
Source: https://www.revolut.com/en-AT/bank-account/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Features
Apple Pay
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 1 day ago (Fresh) · confidence 85%
Region-dependent
YesShow source
Apple Pay: Yes
Source states (paraphrased): Just link them to Apple Pay or Google Pay and start spending securely right away.
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
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 1 day ago (Fresh) · confidence 85%
Region-dependent
YesShow source
Google Pay: Yes
Source states (paraphrased): Just link them to Apple Pay or Google Pay and start spending securely right away.
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Physical card
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%
Yes*Show source
Physical card: Yes
Standard card; delivery and customisation fees apply
Source states (paraphrased): Available on Standard plans The new banking standard Elevate your everyday spend with our iconic Standard card
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard card; delivery and customisation fees apply
Virtual card
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%
Yes*Show source
Virtual card: Yes
All plans
Source states (paraphrased): Available on all plans Virtually, indestructible Always losing your cards? Go virtual
Source: https://www.revolut.com/en-AT/cards/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
All plans
ATM withdrawals
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): 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
No*Show source
Airport lounge access: No
Standard: available for purchase only; included on higher paid plans
Source states (paraphrased): Airport lounge access: Available for purchase (Standard)
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard: available for purchase only; included on higher paid plans
Spendable assets
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 · 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
$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
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow source
Regulation / licences: Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCA
Source states (paraphrased): Revolut Bank UAB is licensed by the European Central Bank and regulated by the Bank of Lithuania.
Source: Compare Revolut plans (Austria)
Official pricing / fee schedule (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Deposit protection
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%
Annual cost at 1,500 EUR/month
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers