KuCard vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer KuCard wins overall (5.2/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 KuCard |  PST.NET | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | not documented |
| FX fee | not documented | 1% |
| Monthly fee | not documented | not documented |
| ATM fee | not documented | not documented |
| Cashback | not documented | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | APAC | GLOBAL |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | no / unknown | no / unknown |
Pick KuCard if
- Physical card option
Pick PST.NET if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
More head-to-heads
KuCard vs 2FiatKuCard vs CoinZoom ZoomMe CardKuCard vs Gemini Credit CardKuCard vs Binance CardKuCard vs RedotPayKuCard vs Uphold Card
Compare any cards
FAQ
Which is better for privacy, KuCard or PST.NET?
KuCard requires Full KYC, while PST.NET 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?
KuCard: Not documented. PST.NET: 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 2026-09-20 · How we verify