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KAST vs Wirex

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
Wirex - illustration (AI-generated, not the official card design)
Wirex
5.4
Full KYCCustodialBTC via in-app conversion
Get Wirex

Short answer KAST wins overall (7.2/10 vs 5.4/10). The right pick still depends on your priority - see the flow comparison below.

KAST Wirex
Bitcoin flow
BTC loadBTC via in-app conversionBTC via in-app conversion
Lightning fundingnono
BTC sale timingNot documentedNot documented
Fees
Top-up fee0%0%
FX fee2%0%
Monthly feenonenone
ATM fee2%not documented
Cashback1.5% in USD8% in USD
Privacy & custody
KYCFull KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documented30,000 EUR per transaction and per day (virtual + physical); Metal card 30,000 EUR/transaction, 75,000 EUR/month (monthly cap increasable on request)
ATM daily limit$750 per 24h (max 3 withdrawals, $250 each)750 EUR/day and 5,000 EUR/month (physical + metal card; virtual card N/A). Limits may vary by region.
Max loadnot documentednot documented
Availability
RegionsGLOBAL, US, EEAGLOBAL, EEA, UK, APAC, LATAM
NetworkVisaVisa
Form factorPhysical + virtualPhysical + virtual
Apple Payyesyes

Pick KAST if

  • you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it

Pick Wirex if

  • Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
  • Higher documented cashback (8% vs 1.5)
  • Wider documented availability

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

Wirex

The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.

Full review

More head-to-heads

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FAQ

Which is better for privacy, KAST or Wirex?
KAST requires Full KYC, while Wirex requires Full 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. Wirex: 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