Kast Card US Virtual Bank Account: ACH Guide for Freelancers [2026]
Key Takeaways
- Kast provides a US virtual bank account with both an ACH routing number and Fedwire routing number
- ACH incoming transfers: $0 fee, auto-converts to USDC
- Use cases: Upwork/Fiverr payouts, US broker ACH withdrawals (Fidelity, IBKR), e-commerce settlement
- Upwork wire to overseas bank: $30 + high FX fees; via Kast ACH: just $2
- ACH withdrawal: $2; Fedwire withdrawal: $15; cheapest on-chain exit: Arbitrum ($0.20 + 0.1%)
- Not FDIC insured don’t park savings here long-term
- without a US Social Security Number or US residence.
- Fedwire Routing Number for same-day wire transfers
- payroll, freelance marketplaces, brokerages, payment processors for standard bank transfers, used by most US platforms passport or government ID through Sumsub. Takes 10–30 minutes.
- Full Kast setup and overview: Kast Card complete guide
- Compare with other crypto cards: Best crypto cards in 2026
- Cheapest way to move crypto on-chain: Bybit deposit and withdrawal guide
Step 2: Find your routing numbers
In the Kast app, get around to “Virtual Accounts” or “Bank Account.” You’ll see your account number, ACH routing number, and Fedwire routing number. These are unique to your account.
Step 3: Add Kast to your sending platform
On Upwork, Fidelity, or wherever you’re receiving USD: add a new bank account and enter your Kast ACH routing number and account number. Most platforms will send a small verification deposit (0–3 business days to verify).
Step 4: Initiate the withdrawal
Once verified, request a withdrawal from the platform to your Kast account. ACH transfers typically take 1–3 business days to arrive. The funds auto-convert to USDC when received.
Step 5: Spend or withdraw
Once USDC is in your Kast balance, you can spend it on the Kast card anywhere Visa is accepted. Or withdraw: $2 ACH transfer back to another US bank, $15 Fedwire, or on-chain via Arbitrum for as little as $0.20 + 0.1%.
Kast vs Wise vs Payoneer for freelancers
I tested routing an Upwork payout through Kast versus Payoneer. On a $500 payment: Payoneer took $10 (2%). Kast took $2 flat. Over a year of monthly withdrawals, that’s $96 saved without counting the Kast card rewards on top of that. it charges an FX spread when you convert to a non-USD currency. If your final destination is non-USD and you want a traditional bank account, Wise may be cleaner. But if you want to hold USDC and spend globally via crypto card, Kast’s end-to-end workflow is tighter.
Payoneer is widely used but expensive. The 1–3% fee on payments from clients adds up quickly. Payoneer makes more sense when your clients are mandated to pay through the Payoneer network specifically.
The FDIC non-insurance point
Kast’s virtual bank account balance is not FDIC insured. This is worth repeating clearly: the funds in your Kast account are not protected by US deposit insurance. If Kast were to become insolvent, your recovery would depend on the outcome of any legal proceedings.
This doesn’t mean you shouldn’t use Kast — it means you shouldn’t use it as a savings account. Use it as a transit account: funds come in, get spent or withdrawn promptly. Don’t park $50,000 in USDC in Kast because you’re earning 0.1% conversion fees.
Internal links for more context
| Tool | USD Receiving Fee | FX Fee | Withdraw to Bank |
|---|---|---|---|
| Kast Virtual Account | Free (ACH deposit) | USDC Instant conversion | Handle after withdrawal |
| Wise US Account | Free to open | ~ 0.4-1.2% FX spread | Manual FX transfer required |
| Payoneer | Free (platform payments only) | Customer payment 1-3% | Additional withdrawal fee |
| Taiwan bank wire | USD2,950 + FX spread | — | — |
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Kast’s virtual bank account is not FDIC insured. Transfer fees and timelines may vary. Verify current terms at kast.xyz before use. The author may receive a commission if you sign up through links in this article.
