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KAST vs Nuri

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Higher score KAST - illustration (AI-generated, not the official card design)
KAST
7.2
Full KYCCustodialBTC via in-app conversion
Get KAST
Nuri card
Nuri
3.2
Basic KYCSelf-custodyDirect BTC top-up
Get Nuri

Short answer KAST wins overall (7.2/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.

KAST Nuri
Bitcoin flow
BTC loadBTC via in-app conversionDirect BTC top-up (on-chain)
Lightning fundingnono
BTC sale timingNot documentedNot documented
Fees
Top-up fee0%not documented
FX fee2%not documented
Monthly feenonenone
ATM fee2%not documented
Cashback1.5% in USDnot documented
Privacy & custody
KYCFull KYCBasic KYC
CustodyCustodialSelf-custody
Limits
Daily spend limitnot documentedGBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review)
ATM daily limit$750 per 24h (max 3 withdrawals, $250 each)GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs)
Max loadnot documentednot documented
Availability
RegionsGLOBAL, US, EEAGLOBAL
NetworkVisaVisa
Form factorPhysical + virtualVirtual
Apple Payyesyes

Pick KAST if

  • Higher documented cashback (1.5% vs none)
  • Physical card option
  • Wider documented availability

Pick Nuri if

  • Lighter KYC (Basic KYC vs Full KYC)

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.

Full review

Nuri

The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.

Full review

More head-to-heads

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FAQ

Which is better for privacy, KAST or Nuri?
KAST requires Full KYC, while Nuri requires Basic KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
KAST: Not documented. Nuri: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-09-21 · How we verify