Crypto card comparison

Crypto card fees — does 0% really mean zero?

'0% fees' does not mean the real cost is zero. Costs can arise at every step money moves: top-up, crypto conversion, FX and spread, payment, foreign payment and ATM.

As of 11 October 2026

Six places costs arise

Look at what finally leaves your pocket, not the 0%.

  1. Top-upA fee may apply when loading the card (e.g. Anytap 2%).
  2. Crypto conversionConverting volatile coins creates a sell spread (e.g. KAST sells volatile coins on deposit).
  3. FX / rate appliedPaying in a currency other than the card's base adds FX fees and spread (KAST non-USD 0.5–1.75%, Ether.fi 1%).
  4. Card paymentCheck the payment currency and how the rate is handled.
  5. Foreign paymentOverseas merchants may add a fixed fee (e.g. Anytap 1% + $0.30).
  6. ATMCash withdrawals have their own rate and minimum (KAST $3 + 2%, Anytap 2% min. $1).

Three things to check first

Itemised official fee table

Are all fees listed one by one?

Advance notice of changes

Do the terms require notice before rates change?

FX reference

Is the network reference rate used and the markup stated?