KASTKAST
84
Side-by-side card comparison
KAST vs Holyheld: overall score versus use-case fit
KAST Card has the higher Overall Score by 9 points (84 vs 75). KAST Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Holyheld Card comes out ahead for Funds control.
Information checked Aug 28, 202648 official sources reviewed
01 · Overall score versus use-case fit
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. Holyheld Card may be the better fit for Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKAST84Holyheld75Higher score
CashbackKAST75Holyheld64Higher score
TravelKAST92Holyheld68Higher score
Funds controlKAST71Holyheld74Higher score
Lowest feesKAST81Holyheld67Higher score
TransfersKAST100Holyheld81Higher score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose Holyheld Card if funds control matters most
Holyheld Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- KAST84Holyheld75
KAST Card has the higher Overall Score by 9 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
KAST Card has the lower published FX fee (0.5–1.75% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- KAST1.5% base · up to 3%Holyheld0.5% base · up to 1%
KAST Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- KASTCustodial balanceHolyheldHybrid custody
KAST Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
KAST Card lists more stablecoins and ways to send money out (12 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
Holyheld Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsKAST CardOverall84Holyheld CardOverall75
KAST CardOverall84Holyheld CardOverall75Scores
6 fields- Overall Score
- KAST Card84Holyheld Card75
- Cashback score
- KAST Card75Holyheld Card64
- Travel score
- KAST Card92Holyheld Card68
- Funds control score
- KAST Card71Holyheld Card74
- Lowest fees score
- KAST Card81Holyheld Card67
- Transfers score
- KAST Card100Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- KAST Card$0Holyheld Card$0
- FX fee
- KAST Card0.5–1.75%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- KAST Card0%Holyheld Card0%
- Card spending fee
- KAST Card0%Holyheld Card€0.50
- ATM fee
- KAST Card$3 + 2%Holyheld CardUp to EUR 2 + 2.5%
- Virtual card
- KAST CardFree first twoHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- KAST CardFree; $40 shippingHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- KAST CardPrivate: 3%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- KAST CardVisaHolyheld CardMastercard
- Card formats
- KAST CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableHolyheld CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- KAST CardNo capHolyheld CardEUR 10,000 daily
- Monthly spending limit
- KAST CardNo capHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- KAST CardLimits shown in appHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Holyheld CardStablecoins: USDC, USDT
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Holyheld CardPersonal EUR IBAN
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Holyheld CardEUR
Rewards
3 fields- Base cashback
- KAST Card1.5%Holyheld Card0.5%
- Max cashback
- KAST Card3%Holyheld Card1%
- Reward currency
- KAST CardUSD cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYHolyheld CardNot disclosed
- How it works
- KAST CardOptional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- KAST CardYesHolyheld CardYes
- Use balance for spending
- KAST CardNoHolyheld CardNot disclosed
- Lock-up
- KAST CardNoHolyheld CardNo
Trust & availability
7 fields- Custody
- KAST CardCustodialHolyheld CardHybrid custody
- Control until payment
- KAST CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- KAST CardThird NationalHolyheld CardUnlimit EU Ltd
- Card processing
- KAST CardTazapayHolyheld CardNot disclosed
- Custody / key management
- KAST CardBitGoHolyheld CardNot disclosed
- Identity verification
- KAST CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- KAST CardTroia CorpHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- KAST Card20Holyheld Card28
- Last reviewed
- KAST CardAug 28, 2026Holyheld CardAug 12, 2026
04 · The trade-off
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 75 for Holyheld Card. KAST Card has the lower published FX fee (0.5–1.75% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). KAST Card has the higher published base cashback rate (1.5% vs 0.5%).
Holyheld Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. KAST Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
KAST Card lists more stablecoins and ways to send money out (12 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full KAST Card and Holyheld Card reviews first.
Continue with
KAST Card
Continue with
Holyheld Card
05 · Common questions
KAST vs Holyheld FAQ
Is KAST or Holyheld better overall?
KAST Card has the higher Overall Score (84 vs 75). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, KAST or Holyheld?
KAST Card has the lower published FX fee (0.5–1.75% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, KAST or Holyheld?
KAST Card has the higher published base cashback rate (1.5% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Holyheld differ on custody?
KAST Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this KAST vs Holyheld comparison?
The latest information check for these two cards was August 28, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.