ka. Card
VisacustodialKYC: required
2.0 / 5
Net Reward0.0
Availability1.5
Custody & Risk2.0
Features4.2
Ka.Card is a physical Visa prepaid debit card with a Euro virtual IBAN account for EEA residents. Services were temporarily suspended in June 2025 due to banking partner issues but were restored via Fiat Republic integration in October 2025.
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Slug: ka-card
Latest News
Service Suspension
June 20, 2025
All Ka.Card Visa debit card and IBAN account services temporarily suspended due to regulatory issues affecting their banking partner.
Our Verdict
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.
Pros and cons
Pros
- Low conversion fees for stakers (as low as 0.376% at higher tiers)
- Integrated virtual IBAN account with SEPA Instant support
- Staking yields of 3-15% APY on KASTA tokens
- Supports 8 major cryptocurrencies including BTC, ETH, and stablecoins
- Seamless bridge between crypto assets and real-world spending
- Limit orders functionality for automated trading
- Faster KYC verification process via Fiat Republic
- Services restored after mid-2025 disruption
Cons
- No cashback rewards on purchases
- €15 minimum EUR balance required to order card
- €1.25 monthly maintenance fee and €1 ATM withdrawal fee
- €1 IBAN deposit/top-up fee
- Mobile wallet integration not specified in official sources
- Limited to European Economic Area residents only
- EUR deposits restricted to your own external accounts only
- Benefits tied to volatile KASTA token performance
- Italy operations ceased (July 2025)
Supported chains
BitcoinEthereumPolygon
Supported cryptos
BNBBTCETHMATICUSDC
Fees
Monthly: €1.25
Fiat Withdrawal: Free (SEPA withdrawals)
Key Features
- Crypto-linked Visa debit card with virtual IBAN account via Fiat Republic
- Tiered fee system based on KASTA token staking (0.376%-2.5% conversion fees)
- Manual crypto-to-EUR conversion required before spending
- Available exclusively to residents of European Economic Area (EEA)
- Staking rewards of 3-15% APY on KASTA tokens depending on tier
- Personal EUR virtual IBAN with SEPA Instant support
- Supports 8 major cryptocurrencies including BTC, ETH, and stablecoins
- Limit order functionality for automated trading
Limitations
- No cashback rewards on purchases
- €15 minimum EUR balance required to order card
- €1.25 monthly maintenance fee
- Mobile wallet integration not specified in official sources (no confirmed Apple or Google Pay)
- Available only in European Economic Area
- EUR deposits restricted to your own external accounts only (third-party deposits not supported)
- Benefits tied to volatile KASTA token performance
- Italy operations ceased (July 2025)
- Physical card only - no virtual card option
- 6-month minimum lock period for staking
Risks
- RegulatorySwedish financial regulator (Finansinspektionen) withdrew Intergiro's e-money authorisation, causing service disruptionJune 18, 2025
- CounterpartyPrevious banking partner Intergiro declared bankruptJuly 31, 2025
- CounterpartyService disruption - all Visa card transactions blocked and SEPA transfers suspendedJune 20, 2025
- RegulatoryItaly operations ceased - KASTA CCHS Italy S.r.l. stopped accepting new account openingsJuly 29, 2025
- 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
Rewards & Cashback
Notes: No cashback rewards on purchases. Primary benefits are tiered conversion fees and staking yields.
Spending 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
Top-Up Methods
Crypto conversion in-appSEPA transfer from own external account
Min Amount: €15 EUR balance required to order card
Processing Time: Nearly instant settlement for crypto-to-EUR conversion
Banking & Financial Services
✓
IBAN
✓
SEPA Transfers
✓
Virtual Accounts
✗
Direct Deposit
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.
Security Features
Features: Two-factor authentication (2FA),Advanced encryption,Standard card security features,Chip and PIN technology
Insurance: Insurance coverage against theft/hacks for crypto assets
Custody Partners: Fireblocks
Mobile Wallet Support
iOSAndroidNo mobile wallet support
Best 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.
Custody Model
custodialPlatform (Ka.app) holds all users' private keys via Fireblocks institutional custody. Users must convert crypto to EUR in-app; funds are held by provider until spent.
Risk: If provider ceases operations, users risk losing access to both crypto and EUR balances.
Card Issuer & Compliance
Issuer Name: Kasta CCHS Ltd (Bulgaria) with EUR banking via Fiat Republic
Kyc Required: true
Issuer License: Virtual currency service provider license (No. BB-42) registered in Bulgaria
Platform Licenses: Virtual currency service provider license (No. BB-42) in Bulgaria,Entity in Seychelles,Compliance partnerships with NextGen FDI in UAE
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.
Card Tiers
Tier 0 (Standard)
PhysicalStandard plastic
None
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Tier I
PhysicalStandard plastic
40+ KASTA (~€0.20)
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Tier II
PhysicalStandard plastic
100+ KASTA (~€1)
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Tier III-V
PhysicalStandard plastic
Increasing amounts
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Tier VI
PhysicalStandard plastic
20,000+ KASTA (~€220)
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Tier VII
PhysicalStandard plastic
50,001+ KASTA (~€560+)
Fees
Monthly: €1.25
Monthly Limit: €20,000
Visa
Promotional rate of up to 15% APY available for limited time, capped at 1,000,000 KASTA per user
Token Economics
KASTA
Fee Discounts by Token Holdings
0 (Tier 0) tokens off
40+ KASTA (Tier I) tokens off
100+ KASTA (Tier II) tokens off
Increasing amounts (Tier III-V) tokens off
20,000+ KASTA (Tier VI) tokens off
50,001+ KASTA (Tier VII) tokens off
Staking APY
0% APY
~3% APY
~4% APY
~5-7% APY
~8% APY
8-15% APY
Referral: Up to $1,000 worth of KASTA tokens for both referrer and referee
User Ratings
No public user ratings available yet
Roadmap & Updates
Recent Updates:
- EUR features restored via Fiat Republic integration (October 9, 2025)
- Faster KYC verification process
- Virtual IBAN with SEPA Instant transfers
- Limit order functionality added
Conclusion
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. The card still has notable limitations, including the lack of cashback rewards, unspecified mobile wallet integration, and no virtual card option. 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.
Card launched: 2024
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