Kast Card Fees 2026: ATM Withdrawal Limit, FX & Hidden Costs Tested
Foreign exchange fee: 2% (USD spending is free)
- Foreign exchange fee: 2% (USD spending is free)
- Small transaction surcharge (non-USD under $25): +$0.10
- ATM withdrawal: USD machines $3 + 2%; non-USD machines $3 + 4%
- Standard free; Premium $1,000/yr; Limited $5,000 one-time; Luxe $10,000/yr
- Season 5 rewards up to 6% (4% MOVE + 2% KastPoints)
- Stablecoin deposits 0%, no funding fees
Key Takeaways
- Kast Card has zero foreign exchange fees — all international transactions are processed at the real exchange rate
- No annual fee for virtual card; physical metal card costs $150 one-time; no monthly or maintenance fees
- ATM withdrawals: $2 per transaction domestic, $3 international; daily ATM limit $500
- Up to 6% cashback in stablecoins depending on plan; no minimum spending requirement for rewards
Kast Card Fee Overview
Crypto card fees are often buried in the fine print. Here is every Kast Card fee laid out in one table so you know exactly what you are paying.
| Fee Item | Amount |
|---|---|
| USD spending | Free (0%) |
| Foreign currency spending (non-USD) | 2% |
| Small tx surcharge (non-USD, <$25) | +$0.10 |
| ATM withdrawal (USD) | $3 + 2% |
| ATM withdrawal (non-USD) | $3 + 4% |
| ATM per-tx limit | $250 |
| ATM daily limit | $750 (max 3 txs) |
| Stablecoin deposit | 0% |
| Declined transaction fee | $0.50 |
| Extra virtual card (first 2 free) | $2/card |
About the FX Fee
Kast charges 2% on non-USD spending only. If you pay for USD-denominated services like Netflix US, Amazon.com, or Spotify US, no FX fee applies. Subscriptions and e-commerce billed in USD cost you zero in foreign exchange fees.
USD spending = zero fees. FX charges only kick in for non-USD currencies.
Card Tier Costs
The four tiers range from completely free to $10,000 per year. Standard works for most users; Luxe is for heavy spenders chasing maximum rewards.
| Tier | Cost | KP Reward | MOVE Reward | Total Reward |
|---|---|---|---|---|
| Standard | Free | 2% | 4% | 6% |
| Pengu | Free | 2% | 4% | 6% |
| Premium | $1,000/yr | 5% | 4% | 9% |
| Limited | $5,000 one-time | 5% | 4% | 9% |
| Luxe | $10,000/yr | 8% | 4% | 12% |
During Season 5, even the free Standard card earns 6% back. The MOVE reward is capped at $2,000 monthly spend (max $80 MOVE per month). If your monthly spending stays under $2,000, Standard offers the best value — no need to upgrade to a paid tier.
Kast Card vs Competitors
Different crypto Visa cards take very different approaches to fees. Here is how Kast stacks up against two popular alternatives.
| Item | Kast Standard | RedotPay | Ether.fi (Core) |
|---|---|---|---|
| USD spending | Free | Free | Free |
| FX fee | 2% | 1% | 0% |
| ATM withdrawal | $3 + 2% | $3 + 2% | Free (monthly cap) |
| Annual fee | Free | Free | Free (ETH stake required) |
| Entry barrier | None | None | Must hold ETH |
| Main reward | 6% (S5) | 1-5% | ETH cashback |
If you spend mostly in USD, Kast’s 2% FX fee barely matters. For frequent non-USD spending, Ether.fi’s 0% FX edge stands out. RedotPay sits in between with the lowest barrier to entry.
RedotPay Card Tutorial | Ether.fi Card vs RedotPay Comparison
Tips to Save on Fees
- Route spending through USD-denominated channels — Netflix, Amazon, Spotify US, SaaS subscriptions — and pay zero FX fees.
- Watch the small-transaction surcharge. Non-USD purchases under $25 add $0.10 per transaction, which is a high percentage on small amounts. Use local payment methods for tiny purchases.
- Maximize Season 5’s 6% rewards. The monthly qualifying spend cap is $2,000, so concentrate big purchases (flights, electronics, annual subscriptions) on this card.
- For ATM cash, use USD machines ($3 + 2%). Non-USD ATMs stack the FX fee ($3 + 4%). Exchange cash before traveling when possible.
FAQ
How much is the Kast Card FX fee?
The foreign exchange fee is 2%, charged only on non-USD spending. USD-denominated purchases (subscriptions, US e-commerce) are completely free.
Is the Standard card really free? Any hidden fees?
Yes, Standard has no annual fee and no activation cost. Watch for: $0.50 per declined transaction, $2 per extra virtual card (after 2 free), 2% FX on non-USD spending, and +$0.10 surcharge on non-USD transactions under $25.
Does the 6% Season 5 reward last forever?
No. Season 5 is expected to end 2026-03-31. The 6% breaks down to 4% MOVE tokens + 2% KastPoints, capped at $2,000 monthly spend (max $80 MOVE/month). Reward structure may change after the season ends.
