KAST's FAQ says Points earning ends on 30 November 2026. In the first week of December 2026, eligible Points convert to KAST Pioneer Units (KPUs), and some others get vouchers. USD cashback continues, and there will be no token launch. Read any Points details on this page as applying up to that date. What happens next
ATM terms rechecked November 2, 2026
KAST’s current fee help, updated October 30, and its ATM limits help, updated October 17, both state a $500 withdrawal cap including fees, up to three withdrawals or $1,500 in a rolling 24-hour period. The $3 plus 2% fee applies to USD withdrawals; non-USD withdrawals can also have 0.5–1.75% FX depending on residence, transaction country and card program.
The public KAST Cards page still displays older $250/$750 figures. Treat the current Help Centre and the final in-app quote as the operational source. A Standard physical card has a $0 card fee plus $40 delivery; some regions can charge $2 for a Standard virtual card, including an allowance card.
- Per withdrawal: $500 maximum, including fees. The ATM limits article (updated 2026-10-17) and the fees and conditions article (updated 2026-10-30) now agree.
- Per 24 hours: up to 3 withdrawals in a rolling 24 hours from your withdrawals, so effectively $1,500 in total.
- Older figure: KAST's public cards landing still shows older $250 per withdrawal and $750 per day figures; the current Help Centre articles show $500 and $1,500, so older guides may still quote those. Because fees count toward the $500 cap, the most cash one withdrawal can pay out is about $487 (our arithmetic).
- KAST fee: $3 + 2% of the amount on every withdrawal, so $8 on $250. If the ATM pays out a currency other than US dollars, KAST's 0.5–1.75% FX fee is added. The ATM operator may also charge its own fee.
- Physical or virtual card: KAST's help centre gives no separate limit or fee for virtual cards, but two of its articles disagree on whether a virtual card works at contactless ATMs. Treat the physical card as the reliable way to get cash. On Standard, the card is free and delivery costs $40.
- Raising the limit: you can't raise it in the app. You can ask KAST Concierge to review it.
Sources: KAST help centre articles on ATM limits (updated 2026-10-17) and fees and conditions (updated 2026-10-30), both checked 2026-10-19. ATM withdrawals earn no cashback or KAST Points.
Where to order the KAST physical card
KAST's help centre (article updated 2026-08-09) describes the order path inside the KAST app: open the app, tap the card icon in the lower-right corner of the home screen, browse the card options, choose a Standard card, select the physical card, enter your shipping address and the name to print on the card, then confirm. A virtual card is available straight away, so you can pay online or through Apple Pay or Google Pay while the physical card is in transit.
KAST physical card cost and tier context
Most people start with the Standard physical card because it has no annual fee. KAST's fee page (updated 2026-09-01, checked 2026-10-01) lists Standard at $0 a year, Premium at $1,000 a year and Private at $10,000 a year. On Standard, the physical card itself costs nothing but delivery costs $40. KAST's membership page says Premium and Private members get their physical card included.
| KAST card item | Official row checked 2026-10-01 | What to verify in the app |
|---|---|---|
| Standard annual fee | $0 | Your account can access Standard and your country is supported for the card you choose. |
| Standard physical card | $0 card fee + $40 delivery fee | Shipping country, address, delivery estimate and final payment screen. |
| Standard virtual card | 2 included; each additional one $2 (in some regions, a $2 issuance fee also applies to the included cards) | The fee line on the order screen before you confirm. |
| Premium / Private | $1,000/year or $10,000/year, physical card included | Membership value, card allowance, cashback cap and whether the higher tier changes your actual use. |
| Card count | Up to 10 cards in total | Existing virtual cards, physical cards and whether an extra card fee appears. |
Treat the $40 delivery fee as a real upfront cost, then decide whether ATM access and in-person backup justify ordering the card. If you mainly use Apple Pay or Google Pay, a virtual card may be enough until you have a specific need for cash. For the full fee table, see the KAST card fees and conversion rate guide.
KAST ATM withdrawal limit and fee in detail
As of 2026-10-19, KAST's two help centre articles on the ATM limit agree. The ATM limits article (updated 2026-10-17) says $500 maximum per withdrawal including fees, up to three withdrawals in a rolling 24-hour period, for an effective $1,500 maximum per day, and that the limit cannot be raised in the app. The fees and conditions article (updated 2026-10-30) gives the same figures: up to $500 per withdrawal and up to 3 withdrawals or $1,500 per 24-hour period. KAST's public cards landing still shows older $250 per withdrawal and $750 per day figures; the current Help Centre articles show $500 and $1,500, so you may still see those figures in older guides. The fees article also says each ATM withdrawal costs $3 plus 2% of the amount, and for non-USD withdrawals the FX fee is added on top.
What "including fees" means in practice: KAST does not show the calculation, but if the $3 + 2% fee counts toward the $500 cap, the largest cash request that fits is about $487 ($487 + $3 + $9.74 = $499.74). This is our own arithmetic, not a KAST figure. If a $500 request is declined, try about $480 before assuming the card is blocked.
Physical card vs virtual card at the ATM
KAST's help centre does not list a separate limit or fee for virtual cards, but its articles disagree on whether a virtual card can take cash out at all. Can I Withdraw Cash With a KAST Card? (updated 2026-08-09) says ATM withdrawals require a physical KAST card. How Do My KAST Virtual Cards Work for Contactless ATMs? (also updated 2026-08-09) says a virtual card in Apple Pay or Google Pay can withdraw cash at ATMs showing the contactless symbol once a PIN is set, and that KAST charges nothing extra for contactless withdrawals. Until KAST reconciles the two, plan on the physical card if you need cash, and treat a contactless withdrawal as something to test with a small amount.
ATM fee example: why a small cash withdrawal is expensive
ATM use is a convenience feature, not the cheapest way to spend. A $100 withdrawal costs $5 in KAST fees (5% of the cash). A $200 withdrawal costs $3 plus $4, or $7. A $480 withdrawal costs $3 plus $9.60, or $12.60, before any local ATM operator fee. If the ATM pays out a currency other than US dollars, add the 0.5–1.75% FX fee for your country and transaction. Paying by card, which is free in US dollars, is almost always cheaper than taking cash out.
$3 flat fee plus $2 at 2%, before operator fees. That is 5% of the cash.
$3 flat fee plus $9.60 at 2%, before operator fees and FX. Stays under the $500 cap even though fees count toward it.
Three $480 withdrawals ($1,440 in cash, just under the $1,500 24-hour cap once fees are counted) cost about $37.80 in KAST fees, before local ATM charges (our arithmetic).
First physical-card and ATM test
Run the first test in a way that lets you stop quickly if anything looks wrong. Confirm the card is activated, confirm PIN access, use a well-known ATM network, decline any ATM-side currency conversion if you need a clean fee record, and check the KAST transaction detail before trying a larger amount.
Complete these checks before relying on the physical card
The goal is a clean record: card status, fee preview, ATM receipt and app transaction detail should all match.
Do not use the ATM until the app shows the card as active and the PIN path is clear.
Use the smallest practical ATM test before a travel or emergency cash scenario.
Match ATM receipt, operator fee, KAST fee, FX row, transaction time and final balance.
Records to save
- Card order screen, card tier, shipping fee, delivery country, delivery estimate and final payment confirmation.
- Activation screen, PIN screen, physical card status and any replacement or reissue notice.
- ATM screen, operator fee, receipt, withdrawal currency, requested amount, dispensed amount and timestamp.
- KAST transaction detail, fee line, FX line, final balance and support ticket if the withdrawal fails or is reversed.
- Official fee page screenshot saved on the day you order or withdraw, because card pricing and country availability can change.
Advertising disclosure: the KAST button is our referral link (code JQDMB03P), and we may be paid if you sign up. It does not change the fees or limits on this page.
FAQ
What is the KAST ATM withdrawal limit?
$500 per withdrawal, including fees, and up to three withdrawals in a rolling 24-hour period, so effectively $1,500 a day. KAST's ATM limits article (updated 2026-10-17) and its fees and conditions article (updated 2026-10-30) now give the same figures; KAST's public cards landing still shows older $250/$750 figures; the current Help Centre articles show $500/$1,500. Because fees count toward the $500, the most cash one $3 + 2% withdrawal can pay out is about $487. ATM operators can set lower limits or add their own fees.
What are the KAST ATM fees?
KAST charges a $3 flat fee plus 2% of the amount on each ATM withdrawal. If the ATM pays out a currency other than US dollars, KAST's 0.5% to 1.75% foreign exchange fee is added. A $250 withdrawal therefore costs $8 in KAST fees, and a $487 withdrawal costs about $12.74, before FX and any ATM operator fee. ATM withdrawals do not earn cashback or KAST Points.
Can I increase my KAST ATM withdrawal limit?
Not in the app. KAST's limits article (updated 2026-10-17) says the ATM withdrawal limit cannot be raised directly in the KAST app, but you can contact KAST Concierge to request a review and possible adjustment. The Limits menu in the app sets your own caps on on-chain, bank and card transactions; it does not raise the ATM cap.
Can I withdraw cash with a KAST virtual card?
KAST's help centre answers this two ways. Its cash-withdrawal article says ATM withdrawals require a physical KAST card, while its contactless-ATM article says a virtual card added to Apple Pay or Google Pay can withdraw cash at ATMs showing the contactless symbol once a PIN is set. Neither article lists a different limit or fee for virtual cards. If you need cash reliably, plan on the physical card.
How much does the KAST Standard physical card cost?
The card itself is free, but KAST charges a $40 delivery fee for a Standard physical card. Premium and Private members get a physical card included in the membership. Delivery time depends on your country and is shown before you confirm the order.
Should I order the physical card if I only use mobile wallets?
Not necessarily. If Apple Pay or Google Pay works for your use case, the physical card mainly adds in-person backup and ATM access. Compare the $40 delivery fee and the $3 + 2% ATM fee with how often you truly need cash.
What should I save after ordering or using the card?
Save the card-order screen, delivery fee, delivery estimate, activation status, PIN screen, ATM preview, receipt, KAST transaction detail, currency, amount, timestamp and support ticket if a withdrawal fails.
Official sources checked
ATM fee and limit figures were rechecked against the KAST Help Centre on 2026-11-02; other page-specific source dates remain stated below, after the limits article was updated on 2026-10-17 to $500 per withdrawal. KAST card pricing, shipping, ATM fees and withdrawal limits can change, so open the live KAST app before ordering, activating or withdrawing cash.