Issued by Kasta CCHS Ltd (Bulgaria) with EUR banking via Fiat Republic — Virtual currency service provider license (No. BB-42) registered in Bulgaria
ka. CardReview
Custodial Visa debit card for EEA residents with a virtual IBAN and KASTA-staked conversion fees.
The verdict
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.
- 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.
How it works
Funding: Crypto conversion in-app · SEPA transfer from own external account
Tier requirements & loyalty
Referrals: Up to $1,000 worth of KASTA tokens for both referrer and referee
Fees
| Inactivity Fee | None |
| Conversion Fees | Tiered from ~2.5% (Tier 0) to 0.376% (Tier VI+), based on KASTA staking. |
| SEPA Withdrawals | Free |
| ATM Withdrawal Fee | €1 per transaction |
| Internal Transfers | Free (to other Ka.app users) |
| Monthly Maintenance | €1.25 |
| Card Order Requirement | Minimum €15 EUR balance required to order card |
| IBAN Deposit/Top-up Fee | €1 |
| Banking | SEPA: true · IBAN: true · Virtual accounts: true · 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. |
Custody & risk
- If the issuer disappearsIf 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.
- Regulatory riskSwedish financial regulator (Finansinspektionen) withdrew Intergiro's e-money authorisation, causing service disruption
- Counterparty riskPrevious banking partner Intergiro declared bankrupt
- Counterparty riskService disruption - all Visa card transactions blocked and SEPA transfers suspended
Ka.app holds all users' private keys via Fireblocks institutional custody solution. Users must convert crypto to EUR in-app; funds are held by the provider until spent.
Protections
- Two-factor authentication (2FA)
- Advanced encryption
- Standard card security features
- Chip and PIN technology
Insurance & coverage: Insurance coverage against theft/hacks for crypto assets
Custody partners: Fireblocks
Limits
The good
- 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.
The catches
- Requires €15 minimum balance to order card.
- €1.25 monthly fee and €1 ATM fee.
- No confirmed Apple Pay or Google Pay.
Limitations
- majorNo cashback rewards on purchases
- majorAvailable only in European Economic Area
- moderateMobile wallet integration not specified in official sources (no confirmed Apple or Google Pay)
- 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)
- moderate6-month minimum lock period for staking
- minor€15 minimum EUR balance required to order card
- minor€1.25 monthly maintenance fee
- minorPhysical card only - no virtual card option
Recent activity
- June 20, 2025Service SuspensionAll Ka.Card Visa debit card and IBAN account services temporarily suspended due to regulatory issues affecting their banking partner.
What users say
No public user ratings available yet
Rating breakdown
See our methodology for how we score each axis.