KuCard fees: free EUR spending, but travel can add 2% before the ATM
KuCard's current schedule separates domestic-currency use from travel economics: EUR transactions are free, non-EUR transactions cost 2%, European ATM withdrawals cost €2 and international withdrawals cost 2% plus €2.
KuCard is economically different at home and abroad
For an EUR-denominated purchase, the published card transaction fee is zero. When the merchant transaction is not in EUR, KuCard adds 2% of the total. That is €20 per €1,000 of foreign-currency spend before any separate exchange-rate or ATM-operator effect.
Purchase scenarios
| Scenario | Published KuCard fee | Total cash cost |
|---|---|---|
| €500 spent in EUR | €0 | €500 |
| €500 equivalent outside EUR | €10 | €510 |
| €1,000 equivalent outside EUR | €20 | €1,020 |
| €3,000 equivalent outside EUR | €60 | €3,060 |
ATM scenarios
International examples apply the published 2% plus €2 formula. Local ATM surcharges and currency-conversion effects are excluded.
| Withdrawal | Inside Europe | International |
|---|---|---|
| €50 equivalent | €2 · 4.0% | €3 · 6.0% |
| €100 equivalent | €2 · 2.0% | €4 · 4.0% |
| €500 equivalent | €2 · 0.4% | €12 · 2.4% |
Supported spending balances
The current transaction guide lists EUR, USDT, USDC, BTC, ETH, XRP and KCS. Users can set their own deduction priority; the documented default is EUR, then USDT, USDC, BTC, ETH, XRP and KCS.
What this model does not assume
No permanent cashback rate is included. Campaign rewards can change and should not offset a fixed fee unless the current user-specific programme is independently verified.