KOSH Card The global financial account
CARD FEATURE OVERVIEW. 
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $10 |
| CASHBACK | YES |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | YES |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $250 |
| DAILY LIMIT | NOT DISCLOSED |
Crypto-collateralized credit card, user posts USDC/USDT collateral for spending limit. If collateral value drops below outstanding charges and you don't top up, automated liquidation triggers.
THE REAL STORY ON THIS CARD.
- 10% Reward Points on all eligible purchases
- 5% cashback on hotel bookings
- 0% APR — no interest on purchases
- 0% fee on USD transactions
- Multi-currency virtual accounts (USD, EUR, GBP, AED, SWIFT)
- Metal physical card
- AI-powered expense analysis
- 4–6% yield on idle balances (Smart Savings)
- Investing (crypto + stocks) from same account
- Business card program with team management
- No monthly fee
- Physical card costs $100 (normally)
- Virtual card costs $10 (not free)
- $10 annual fee
- 2% FX fee on non-USD spending
- International transactions: $0.30 flat fee on top of 2% FX
- ATM withdrawals: $1 + 1% + FX
- $1 fee for ATM balance enquiries AND declines
- Late payment: $30 (first), $40 (subsequent)
- No deposit insurance, stablecoin-held funds
- US citizens/residents excluded from International card
- No Visa Concierge or Airport Lounge access
- Reward Points are not cash
GENERAL QUESTIONS.
KOSH is a stablecoin-powered financial platform that gives you a USD account, a global Visa card, and instant cross-border payouts — all from one app. Built for freelancers, remote workers, and businesses who earn and spend globally.
According to the official Kosh Money site, Kosh offers unlimited virtual cards for your team. There is no mention of physical cards in the current official documentation.
No. The official website does not disclose details regarding registration fees, foreign exchange (FX) fees, cashback programs, or other fee structures in its currently available documentation.
The official documentation on kosh.money does not provide information about supported blockchains for funding, nor does it list the regions where Kosh Money is available. Those details are not currently published on the site.
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