Money20/20 Amsterdam
6–12% stable rewards on your reserve account balance.
Reward Calculator
Estimate assumes one year at the 2026 introductory rate with no withdrawals. Rewards, not interest. The 2026 rate is an introductory offer and changes from 1 January 2027. See terms.
Memberships |  Standard |  Premium |  Private |
|---|---|---|---|
| Reward Rate | 6% | 9% | 12% |
| Cap | Unlimited | ≤ $50,000 | ≤ $200,000 |
| Card Cashback | 1.5%* | 2%* | 3%* |
| KAST Points | — | +1% on all spend | +2% on all spend |
| Card Type | Visa Platinum | Visa Infinite | Visa Infinite |
| Perks | 2 Free Cards (Virtual or Physical) | 1 Free Premium Card (Virtual & Physical) + Standard allowance | 1 Free Plated Gold Card + 2 Free Cards from any other tier |
| Price | Free | $1,000 / year | $10,000 / year |
Standard
Premium
Private
Earn. Redeem. Keep going.
Move USD in
Step 1One tap from your USD balance. $10 minimum.
Rewards land daily
Step 2Credited to your Spending balance every day.
Spend or withdraw, anytime
Step 3Your balance stays fully available. No lock-ups.
Why Reserve
- Spendable, not locked.Your Reserve Account balance is always available to spend, with no lock-ups or restrictions.
- Daily, not monthly.Rewards land every day, ready to use immediately.
- Liquid, always.Move money in and out freely. No withdrawal fees.
Funded by KAST.
KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate
balance sheet.
Customer funds are held conservatively in stablecoins and treasury equivalents. That is the whole mechanism. No loops, no derivatives, no catch.
From 1 January 2027
Standard 4%, Premium up to 6%, Private up to 8%. Same caps.
FAQs
How is the rate funded?
KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.
Is my money locked?
No. Move it in and out anytime. Spend straight from it.
What happens to my rewards?
Posted daily to your spending balance, ready to use.
What is the minimum?
$10 to move in and to earn for the day.
What happens to refunds?
They land in your spending balance, not Reserve. Move them back manually.
Will the rate change?
The 2026 rate is introductory and steps down on 1 Jan 2027. See the rate tables.
Is this a bank account?
No, and it is not insured. It is a KAST rewards product.
Life moves fast.
Keep it stable.
