Kinesis Card [EU]
- Every customer gets a dedicated account manager
- Auto-converts crypto to fiat on every purchase
- Virtual-only card, no physical version, which means no ATM withdrawals
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.42% |
| Cashback | None |
| Daily Spending Limit | 15,000 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Cryptocurrencies | ADABCHBTCDASHETHKAGKAUKVTLTCUSDCUSDTXDCXLMXRP |
| Supported Countries | ArgentinaAustriaAustraliaBelgiumBulgariaBrazilChileColombiaCosta RicaCyprusCzechiaGermanyDenmarkEcuadorEstoniaSpainFinlandFijiFederated States of MicronesiaFranceUnited KingdomGreeceGuatemalaCroatiaHungaryIrelandItalyKiribatiLithuaniaLuxembourgLatviaMarshall IslandsMaltaMexicoNicaraguaThe NetherlandsNauruNew ZealandPanamaPeruPapua New GuineaPolandPuerto RicoPortugalPalauRomaniaSolomon IslandsSwedenSloveniaSlovakiaTongaUruguaySamoa |
Kinesis Card Benefits and Rewards – for Europe
If you choose to set up KAU (Kinesis Gold) and KAG (Kinesis Silver) as your preferred currencies to be spent when using the card, you will qualify for Velocity Yield rewards.
Velocity Yield is paid monthly into the user’s Kinesis wallet and is calculated as a percentage of the transaction fees generated by the Kinesis Monetary System. Kinesis gives back a 57.5% share of all transaction fees to its users, proportionately distributed and paid monthly in KAG and KAU.
With Kinesis Card, you can set up up to 5 currencies (in the order of preference), to be spent when using the card. That is, you don’t need to top up your card, and funds will be directly converted from your chosen cryptocurrency in your Kinesis account to EUR at the moment of purchase. To qualify for rewards, you will need to set up KAG and KAU as your primary currencies for the card.
The more you use the Kinesis Card (while automatically converting your KAG and KAU to EUR), the more Velocity Yield you can earn.
If you choose to spend any other cryptocurrencies with Kinesis Card, you will not qualify for Velocity Yield.
p.s. There is no card cashback program that Kinesis offers at the moment. Kinesis used to have a cashback voucher program, but they discontinued it on July 14, 2023.
Kinesis Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Kinesis Card is a prepaid card, linked to the crypto coin balance on the Kinesis platform.
It should be noted that Kinesis doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Kinesis Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Useful:Since Kinesis Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-EUR Conversion Cost with Kinesis Card
Kinesis Card Converts Your Crypto on Demand
Kinesis Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0.22% |
| Sell Spread | ~0.25% |
| Transaction Fee | 1.95% |
| Total Crypto to EUR Cost | ~2.42% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Kinesis Card will cost you more (~2.42%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed, KAST Card, Xapo Card and WhiteBIT Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.1% and ~0.28% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Kinesis Card Compare to Other Crypto Cards?
Kinesis Card ranks #42 out of 67 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
Strongest Features Against Competitors
Here are the strongest features of Kinesis Card against its 41 competitors:
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You won't be charged any monthly fee (while 20% of other crypto cards charge one, with a median of 1.75 EUR per month).
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of Kinesis Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 15,000 EUR (while other cards offer 98,000 EUR daily spend limit on average).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
- Their fee structure is not so budget-friendly, with a score of 3/10 (average fee structure rating amongst other cards is 5.8/10).
Kinesis Card [EU] vs. Cypher Card vs. KAST Card
Kinesis Card
|
Cypher Card
|
KAST Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~2.42% | ~1% + Gas Fees | 0% |
| Highest Cashback | None | None | up to 8% |
| Entry-Level Cashback | None | None | 2% |
| Daily Spending Limit | 15,000 EUR | 4,000 USD | Unlimited |
| Daily ATM Limit | N/A (Virtual-Only Card) | 500 USD | 1,500 USD |
| Foreign Exchange Fee | 1% | 1.5% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 14 | 772 | 4 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Less-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KAST Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Kinesis Card and Cypher Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, KAST Card offers the best cashback rewards of up to 8%. With Kinesis Card and Cypher Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
We Tested Kinesis's Customer Support
We asked Kinesis's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Kinesis offers support via the following channels:
| Chat | https://kms.kinesis.money |
| [email protected] | |
| Phone | +44 20 3150 0385 |
| Web Form | https://kinesis.money/about-us/contact-us/ |
Location: Kinesis customer service reps are located in 
United Kingdom, 
Malaysia and 
Australia.¹
| Support Channel | Our Interaction | Score |
Email (replied in 4 h 9 min) | Replied the same day, provided a clear answer to the question asked. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 1 h 36 min) | Answered quickly, replied with info about two-factor authentication for online purchases. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 5 h 41 min) | Couldn't pinpoint the reason for their chat bubble not working (which was Zendesk ban due to IP). | Low Competence Somewhat Personalized Flawless English, Professional Tone 5/10 |
Email (replied in 11 h 26 min) | Copy pasted response. Didn't reply to what was asked for, in a question about EUR accounts vs USD accounts. | Low Competence Somewhat Personalized Adequate English, Professional Tone 4.5/10 |
Email (replied in 8 h 35 min) | Friendly, informative response to a question about EUR deposit. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: Kinesis's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.
Customer Love: Kinesis's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.
Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 2 hours to as slow as 11 hours.
Overall Customer Service Rating: 7.6/10
This excellent score places Kinesis's Customer Service well above the crypto card industry average of 5.7/10.
Kinesis Referral ID - to Get 34 EUR Bonus
You can use referral id KM13909079 to get 0.5 KAG (~34 EUR¹) bonus when you create an account on Kinesis platform.
Here's how you can enter the referral id:
..or, just click here.
Your bonus will be paid out to you in KAG (Kinesis Silver), right after you reach $3000 total traded volume.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Kinesis Card Available for Residents of United States?
No, Kinesis Card is not available for residents of United States.
Kinesis Card [EU] supports the following countries: Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Ecuador, Estonia, Federated States of Micronesia, Fiji, Finland, France, Germany, Greece, Guatemala, Hungary, Ireland, Italy, Kiribati, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mexico, Nauru, New Zealand, Nicaragua, Palau, Panama, Papua New Guinea, Peru, Poland, Portugal, Puerto Rico, Romania, Samoa, Slovakia, Slovenia, Solomon Islands, Spain, Sweden, The Netherlands, Tonga, United Kingdom, Uruguay. Kinesis Card [Canada] supports: Canada.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 15 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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