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DeFi maxiKasta CCHS Ltd (Bulgaria) with EUR banking via Fiat Republicvisa● Live

ka. Card

Custodial Visa debit card for EEA residents with a virtual IBAN and KASTA-staked conversion fees.

Ka.Card is a physical Visa prepaid debit card linked to a virtual IBAN account for residents of the European Economic Area (EEA). It requires users to manually convert one of 8 supported cryptocurrencies to EUR before spending. The card's primary benefit is a tiered fee structure based on staking KASTA tokens, which reduces conversion fees, rather than offering cashback.

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Best for

EEA residents staking KASTA for conversion fees as low as 0.376%.

Skip if

You want cashback rewards, mobile wallet support, or live outside the EEA.

Network
visa
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$1.25
Apple Pay
No
Google Pay
No
Physical card
Yes

The verdict

What we like
  • Low conversion fees (0.376%) for KASTA stakers.
  • Integrated virtual IBAN with SEPA Instant support.
  • Staking yields of 3-15% APY on KASTA.
  • Supports 8 cryptos including BTC, ETH, USDC.
  • Limit order trading functionality using USDC.
Watch outs
  • Requires €15 minimum balance to order card.
  • €1.25 monthly fee and €1 ATM fee.
  • No confirmed Apple Pay or Google Pay.
  • Offers low 0.376% conversion fees but requires staking 20,000+ KASTA tokens.
  • Provides a virtual IBAN with SEPA Instant but has a €1.25 monthly fee.
  • Supports 8 major cryptos like BTC/ETH but offers no cashback rewards.

Basic information

{"Type":"Physical Visa prepaid debit card (Euro virtual IBAN account via Fiat Republic)","Key Feature":"Tiered crypto-to-EUR conversion fees (as low as 0.376% via KASTA staking); supported cryptos: BTC, ETH, KASTA, USDC, MATIC, BNB, ADA, DOT; spending limits up to €20,000 monthly; ATM withdrawals up to €4,600 monthly with €1 fee","Availability":"EEA residents only (36 countries, excluding Italy after Aug 29, 2025)","Standout Benefit":"Personal EUR virtual IBAN and manual conversions for control and low fees; minimum €15 EUR balance required to order card","Biggest Downside":"No cashback, no confirmed Apple or Google Pay integration, EEA-limited, IBAN EUR inbound limited to personal accounts only"}

Spending & ATM limits

Notes
Weekly card spending limit: €10,000; Weekly ATM limit: €1,600
Atm Daily
€550
Atm Monthly
€4,600
Daily Spending
€8,000
Per Transaction
€5,000 (card spending), €550 (ATM)
Monthly Spending
€20,000

Rewards

Availability

EEA residents only (29 countries listed as available, excluding Italy after Aug 29, 2025). French territories also supported: French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint-Martin.

Top-up & funding

  • Crypto conversion in-app
  • SEPA transfer from own external account

Nearly instant settlement for crypto-to-EUR conversion

Security & custody

  • Two-factor authentication (2FA)
  • Advanced encryption
  • Standard card security features
  • Chip and PIN technology

Risk note. If the provider ceases operations, users risk losing access to both crypto and EUR balances. Fiat funds are held in segregated accounts under e-money safeguarding regulations.

Mobile wallets

Apple Pay Not supported
Google Pay Not supported
Samsung Pay Not supported

Card tiers

Tier 0 (Standard)

Card material
Standard plastic
Monthly limit
€20,000
Requirements
None

Tier I

Card material
Standard plastic
Monthly limit
€20,000
Requirements
40+ KASTA (~€0.20)

Tier II

Card material
Standard plastic
Monthly limit
€20,000
Requirements
100+ KASTA (~€1)

Tier III-V

Card material
Standard plastic
Monthly limit
€20,000
Requirements
Increasing amounts

Tier VI

Card material
Standard plastic
Monthly limit
€20,000
Requirements
20,000+ KASTA (~€220)

Tier VII

Card material
Standard plastic
Monthly limit
€20,000
Requirements
50,001+ KASTA (~€560+)
  • Promotional rate of up to 15% APY available for limited time, capped at 1,000,000 KASTA per user

Banking services

● Iban● Sepa Transfers● Virtual Accounts

Virtual IBAN account in user's name via Fiat Republic. SEPA Instant transfers supported. EUR deposits currently restricted to transfers from user's own external accounts only (third-party deposits not supported). Internal transfers to other Ka.app users available for free.

What users say

No public user ratings available yet

Risks & limitations

Risks
  • RegulatorySwedish financial regulator (Finansinspektionen) withdrew Intergiro's e-money authorisation, causing service disruption
  • CounterpartyPrevious banking partner Intergiro declared bankrupt
  • CounterpartyService disruption - all Visa card transactions blocked and SEPA transfers suspended
  • RegulatoryItaly operations ceased - KASTA CCHS Italy S.r.l. stopped accepting new account openings
  • MarketKASTA token has experienced significant price volatility since launch (dropping from around $1.19 to mere cents)
  • CounterpartyCustodial model - if provider ceases operations, users risk losing access to both crypto and EUR balances
Limitations
  • majorNo cashback rewards on purchases
  • minor€15 minimum EUR balance required to order card
  • minor€1.25 monthly maintenance fee
  • moderateMobile wallet integration not specified in official sources (no confirmed Apple or Google Pay)
  • majorAvailable only in European Economic Area
  • moderateEUR deposits restricted to your own external accounts only (third-party deposits not supported)
  • moderateBenefits tied to volatile KASTA token performance
  • moderateItaly operations ceased (July 2025)
  • minorPhysical card only - no virtual card option
  • moderate6-month minimum lock period for staking

Latest updates

  1. June 20, 2025
    Service Suspension
    All Ka.Card Visa debit card and IBAN account services temporarily suspended due to regulatory issues affecting their banking partner.

Roadmap

Recently shipped
  • EUR features restored via Fiat Republic integration (October 9, 2025)
  • Faster KYC verification process
  • Virtual IBAN with SEPA Instant transfers
  • Limit order functionality added

Best suited for

European crypto enthusiasts who regularly convert crypto to fiat for everyday spending, value-conscious users who prioritize low conversion fees over cashback rewards, and EEA residents looking for an integrated crypto and traditional banking solution.

Our verdict

Ka.Card offers European crypto users a streamlined way to convert and spend digital assets through a Visa debit card connected to a virtual IBAN account. Following a significant service disruption in mid-2025 due to the collapse of its previous banking partner Intergiro, Ka.app successfully restored services in October 2025 through a new integration with Fiat Republic. The card's primary strength remains its tiered fee structure, which can reduce conversion costs to as low as 0.376% for users willing to stake the platform's KASTA token. This approach differentiates it from competitors that focus more on cashback rewards. The inclusion of a virtual IBAN account with SEPA Instant support adds substantial utility, though current restrictions limit EUR deposits to the user's own external accounts only. Recent developments include the restoration of EUR banking services via Fiat Republic, faster KYC verification, and continued support for limit order functionality. However, the platform has narrowed its geographic focus to the EEA only, ceasing operations in Italy and stopping all non-EEA signups as of mid-2025. The card still has notable limitations, including the lack of cashback rewards, unspecified mobile wallet integration, and no virtual card option. The €1.25 monthly maintenance fee, €15 minimum EUR balance requirement to order, and various transaction fees may deter casual users, while geographic restrictions to the EEA exclude many potential users worldwide. For users who frequently convert crypto to euros for spending and value low conversion fees over cashback rewards, Ka.Card represents a compelling option within the evolving crypto card ecosystem, particularly for those based in the European Economic Area who can meet the minimum staking requirements.

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