Available regions
Applications or normal card activation are supported
EgyptEGPakistanPKPhilippinesPHNigeriaNGBrazilBRUkraineUAIndiaINKenyaKEBangladeshBD
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
K
KOSH Card
Updated: Aug 14, 2026
KOSH Card is a Visa credit card offered by KOSH to freelancers, remote workers and cross-border users worldwide, with a choice of a virtual card or physical metal card. The user's USD and stablecoin balances in their KOSH account serve as collateral, while the issuer provides spending credit. The card can be used for online shopping, software subscriptions, travel, offline purchases and payments at Visa merchants worldwide and supports mobile payment methods such as Apple Pay and Google Pay.
Official and company information
Issuer identity and company credentials
KOSH is a cross-border financial account platform powered by stablecoin infrastructure, targeting freelancers, creators, remote workers, and businesses. It offers multi-currency virtual accounts (USD and others), ACH/Wire/SWIFT receiving, USDC and USDT management, cross-border payments, local bank withdrawals, and Visa virtual and physical cards linked to account balances or digital asset collateral. KOSH handles the app, account interface, and technical integration; underlying banking, fund processing, compliance, and card issuance are provided by partners such as Bridge, Iron by MoonPay, Rain, and Third National.
- Company / issuer
- KOSH
- Legal name
- Piers Technology Inc.
- Registered region
- United States (US)
- Headquarters
- Original美国加利福尼亚州旧金山 548
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
KOSH combines a USD receiving account, USDC/USDT stablecoin balances, cross-border transfers, and a Visa card in one app. Users can receive USD through ACH, Wire, and other methods, or deposit USDC or USDT directly. KOSH Card is not a traditional debit card, but a credit card secured by eligible digital asset balances. The actual credit is provided by the issuer, while the related collateral assets and settlement mechanism are managed by Rain. KOSH is responsible for the account interface and application management. The virtual card is suitable for online shopping, SaaS, and recurring subscriptions, while the physical metal card further supports in-person payments and ATM withdrawals. The card can be used across the global Visa acceptance network, and users can set spending limits, freeze the card, and view transaction records.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
K KOSH Virtual Card | K  KOSH Physical Card | |
|---|---|---|
| Card form | Virtual card | Physical card |
| Fees | ||
| Monthly fee | Free No monthly fee currently | Free No monthly fee currently |
| Card issuance fee | — | — |
| ATM fee | — | 1 USD + 1% Charged per ATM withdrawal |
| Foreign exchange fee | 0.5% Non-USD transaction surcharge | 0.5% Non-USD transaction surcharge |
| Top-up fee | Free USDC and USDT deposits free | Free USDC and USDT deposits free |
| Failed transaction fee | — | 1 USD ATM withdrawal declined fee |
| Rewards | ||
| Cashback | 5% Hotel 5%; 10% KOSH Points | 5% Hotel 5%; 10% KOSH Points |
| Crypto cashback | — | — |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | 5 USD Upon meeting criteria, both referrer and referee receive 5 KoshCash |
| Referral bonus | 5 USD Upon meeting criteria, both referrer and referee receive 5 KoshCash | — |
| Limits | ||
| Daily spending limit | — | — |
| Monthly spending limit | — | — |
| ATM withdrawal limit | — | 250 USD 250 USD per transaction, max 3 per day; no fixed weekly or monthly limit |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
SyriaSYCentral African RepublicCFNorth KoreaKPEthiopiaETGuineaGNSouth SudanSSLebanonLBLibyaLYIraqIQBelarusBYAfghanistanAFEritreaERYemenYECongo - KinshasaCDRussiaRUGuinea-BissauGWCubaCUSomaliaSOMyanmar (Burma)MMIranIRSudanSDNicaraguaNIZimbabweZWVenezuelaVE
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不支持申请，申请需完成居住地验证及 KYC，KOSH依赖稳定币余额及数字资产抵押，大陆居民不属于其公开确认的主要发卡市场；境外已发行卡可在受理国际 Visa 的合规商户消费。
2、香港：KOSH 账户服务支持香港，但卡片是否开放以应用内 Cards 页面资格为准；已持卡用户可在 Visa 商户消费并使用支持的移动钱包。
3、澳门：KOSH 账户服务支持香港，但卡片是否开放以应用内 Cards 页面资格为准；已持卡用户可在 Visa 商户消费并使用支持的移动钱包。
4、台湾：KOSH 账户服务支持香港，但卡片是否开放以应用内 Cards 页面资格为准；已持卡用户可在 Visa 商户消费并使用支持的移动钱包。
Updated: Aug 14, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
National ID / Passport / Bank statement
Review time / regional limits
Initial steps can be completed within a few minutes; full account verification typically takes 1 to 2 business days.
KYC provider
Sumsub
Updated
Aug 14, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview10 scenarios
Supported9
Not supported1
UpdatedAug 14, 2026
Wallet payments
Alipay
Supported
Aug 14, 2026
Wallet payments
Apple Pay
Supported
Aug 14, 2026
Cash services
ATM withdrawal
Supported
Aug 14, 2026
AI tools
Claude
Supported
Aug 14, 2026
Wallet payments
Google Pay
Supported
Aug 14, 2026
In-person payments
Offline POS
Supported
Aug 14, 2026
Online shopping
Online shopping
Supported
Aug 14, 2026
Wallet payments
PayPal
Supported
Aug 14, 2026
Subscriptions
Subscription payment
Supported
Aug 14, 2026
Wallet payments
WeChat Pay
Not supported
Aug 14, 2026
User reviews
Showing 7 approved reviews matched to this card
KOSH Google Play review - 5 star
when available in Bangladesh?
View original Life saver for freelancers
Been using Kosh for 2+ years now and it just keeps delivering. Support team is top notch and helpful.
If you're a freelancer dealing with USD payments, this app is an absolute life saver, no cap.
View original KOSH Google Play review - 1 star
behaviour is very disgusting and they have a hidden charge which they never explain the user. every time you withdrawal from platform the charge you much higher than usual
View original smooth experience
Great app smooth spending
View original KOSH Google Play review - 1 star
Virtual card request rejected without any explanation (the help said that the explanation is sent on email, nope it only says to contact support). The support itself is a bot that will only link to the help page. I'm from a supported country and never have this problem with other platform.
View original KOSH Google Play review - 5 star
Nice
View original Best app for offramping to bank acc
I’ve started using Kosh for salary and payouts.
It works perfectly with my Dubai account, and also the card is free, so it helps me to spend directly.
View original Risk factors
Updated: Aug 14, 2026
No risk factors are available