Personal Card
Everything about the Kosh Personal Card — how to apply, fund your card, spending limits, fees, rewards, and troubleshooting.
By Rajani and 1 other2 authors23 articles
Getting Your Card
Everything you need to get started — eligibility, verification, ordering your virtual or physical card, and adding it to Apple Pay.
- What is the KOSH Card?Spend your USDT or USDC anywhere Visa is accepted.
- How do I get the KOSH Card?Sign up, verify your identity, and order your virtual or physical card.
- How do I verify my identity for personal card?
- Physical card: shipping, delivery times & activationDelivery timelines, tracking, and how to activate your physical card.
- Can I add my KOSH Card to Apple Pay?Add your KOSH Card to Apple Wallet, available wherever Apple Pay is supported.
Funding & Spending
How to load your card with USDT or USDC, where the card works, currency choices at checkout, ATM withdrawals, and managing your spending limits.
- ATM withdrawal fees and limitsWhat KOSH charges for ATM withdrawals, and how much you can take out.
- Can I withdraw money from my KOSH Card back to my wallet?Move card balance back to your KOSH wallet. Reward funds aren't eligible.
- What are the fees and pricing for the KOSH Card?
- How do I fund my KOSH Card?Load your card with USDT or USDC from your KOSH wallet. Balance updates in 5 to 10 minutes.
- Can I withdraw cash from an ATM?Withdraw cash worldwide with your physical KOSH Card.
- How do I track my spending and manage limits?Real-time notifications, transaction history, and managing your card limits.
- Where can I use my KOSH Card?Online, in-store, subscriptions, and international. Anywhere Visa is accepted.
- Should I pay in USD or the local currency?What to choose when a merchant abroad asks how you want to be charged.
Rewards
Learn how Kosh Points work and everything about the Odyssey campaign for traders.
- Do I earn rewards on my KOSH Card?Earn KOSH Points, cashback, and referral rewards every time you spend on your card.
- Rewards on your KOSH CardEvery way you earn rewards in the KOSH app, and how each one works.
- KOSH Points: How the Points System WorksHow you earn KOSH Points, what they're worth, and what happens when your account closes. Redemption is coming soon.
Troubleshooting & Security
Declined transactions, pending charges, refunds, disputes, freezing your card, and keeping your account safe.
- Why was my card transaction declined?Common decline reasons and how to fix them.
- My transaction is pending or not showing upUnderstanding pending charges, holds, and missing transactions.
- How long do refunds take?How long refunds take and what to do if one hasn't arrived.
- How do I dispute a charge on my KOSH Card?Step-by-step process for disputing an incorrect or unauthorised charge.
- Why does the merchant name or amount look wrong?Why a merchant name, location, or amount might look unfamiliar.
- Lost or stolen card? Freeze it instantlyFreeze instantly from the app, then order a replacement.
- Card security & reporting suspicious activityHow your card is protected, and how to report suspicious activity.