Xapo Bank vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer KAST wins overall (7.2/10 vs 5.6/10). The right pick still depends on your priority - see the flow comparison below.
 Xapo Bank |  KAST | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | 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 | $83.33 | none |
| ATM fee | 2% | 2% |
| Cashback | none | 1.5% in USD |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | USD 50,000/day in-store and USD 50,000/day online; temporary raises up to USD 750,000 case-by-case via support | not documented |
| ATM daily limit | USD 2,000/day | $750 per 24h (max 3 withdrawals, $250 each) |
| Max load | not documented | not documented |
| Availability | ||
| Regions | GLOBAL | GLOBAL, US, EEA |
| Network | ? | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Xapo Bank if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick KAST if
- Known fee stack (16.7 vs 2.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1.5% vs 0)
- Wider documented availability
Xapo Bank
The only true bank in the comparison: a Gibraltar credit institution with deposit-insured USD, savings interest paid daily in BTC and worldwide card spending with no FX fees. The $1,000/year membership makes it a wealth product, not a spending card - it pays off for balances where the 3.35% yield outruns the fee.
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, Xapo Bank or KAST?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify