Bitpanda Card vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Bitpanda Card |  KAST | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 0% | 2% |
| Monthly fee | none | none |
| ATM fee | 2% | 2% |
| Cashback | 1% in EUR | 1.5% in USD |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | EUR 10,000 | not documented |
| ATM daily limit | EUR 500 | $750 per 24h (max 3 withdrawals, $250 each) |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA | GLOBAL, US, EEA |
| Network | Visa | Visa |
| Form factor | Physical | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bitpanda Card if
- Known fee stack (0.0 vs 2.0 % equivalents on a $500/mo profile)
Pick KAST if
- Higher documented cashback (1.5% vs 1)
- Wider documented availability
Bitpanda Card
Europe's cleanest all-asset debit card: spend any of 600+ cryptos or even precious metals from one EUR card with zero monthly fees, 0% own FX markup, generous EUR 280k/month limits and an MFSA-regulated issuer. The 1% cashback only pays on crypto payments, ATM withdrawals cost 2%, and it is euro-area only.
KAST
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.
More head-to-heads
FAQ
Which is better for privacy, Bitpanda Card or KAST?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-20 · How we verify