Withdrawal costs usually come from three places: blockchain network fees, conversion spreads, and card or account fees. The simplest way to reduce them is to choose a supported low-cost network and avoid unnecessary transfers between wallets before topping up the card.
Stablecoins can help because they reduce price movement between withdrawal and spending. Compare networks before sending funds, and avoid peak congestion times when network fees are unusually high. For first-time transfers, send a small test amount.
Read the fee schedule for card issuance, top-ups, foreign exchange, and withdrawals. A low advertised card fee is less useful if the top-up or conversion cost is unclear.
Karta is designed to make card funding straightforward, but users should still confirm the supported asset and network before every transfer.