# Crypto card currency fees can reach $132 on $6,000 of modeled annual spending

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A new fee comparison shows how much currency-related charges can add to crypto card spending, while stressing that the results are modeled scenarios rather than a universal cost ranking.

[TokenPost's analysis](https://www.tokenpost.com/news/business/42990), published on October 28, applies listed percentage fees to $500 of purchases per month, or $6,000 over a year. It excludes card issuance, subscriptions, funding, ATM withdrawals, blockchain fees, merchant surcharges and cashback, and does not represent a live exchange-rate quote.

For **RedotPay**, the highest estimate combines the listed 1.2% fee for purchases outside the card currency with the 1% crypto-conversion fee. If both apply to the same purchases, the resulting 2.2% charge equals $132 on the modeled annual spend. The conditional nature of that total is important: the source does not establish that every RedotPay purchase incurs both fees.

**KAST Standard** has a listed foreign-exchange fee of 0.5% to 1.75% on non-US-dollar spending, equivalent to $30 to $105 in the model. The applicable rate depends on the cardholder's residence, transaction country and card program. Non-USD transactions below $25 can also incur a $0.10 fee, meaning frequent small purchases can add costs beyond the percentage calculation.

The report separates **UPay's** recharge fees from purchase fees. A physical USD card carries a listed 2% fee on non-USD transactions, which would total $120 if applied to the full annual model. TokenPost cautions that this is not a confirmed cost across all UPay card types.

For **ether.fi Cash**, the prevailing foreign-exchange base rate for purchases outside US dollars and euros is about 1%, with the Core tier potentially adding 0% to 0.5%. Settlement timing can affect the applied rate. Its zero-markup euro feature remains in beta and applies when merchants charge in euros.

The comparison is best read as an illustration of fee mechanics, not evidence of a fee change. Actual costs depend on the card program, currencies, transaction size and whether several charge types apply to the same purchase.

## Sources

- [Crypto Card Fees Top $100 on $6,000 in Modeled Spending](https://www.tokenpost.com/news/business/42990)

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- **Canonical URL:** https://cryptovss.com/en/news/crypto-card-currency-fees-modeled-annual-spending/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptovss.com (cryptovss), as of 29 Oct 2026, https://cryptovss.com/en/news/crypto-card-currency-fees-modeled-annual-spending/