Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
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Kolo Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback · 1%
- /yr
- Currency fee · 1%
- /yr
- ATM
- $1 + 0.65%
- Your money
- Company holds it
- Sign-up
- ID + selfie, $10 deposit
- Apple / Google Pay
- The card itself
- Free, virtual
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For spending stablecoins by phone and collecting a little bitcoin back. Not for you if you want purchases without a fee on each one.
Pay in other currencies a lot? Compare with MiniPay Card
Good to know
- USD and EUR cards to choose
- EUR IBAN payouts for €1
- Pay with BTC, ETH or stablecoins
- Max $1 cashback per purchase
- Spending capped at $9,000 a month
- Operator changed twice in 2026
Fees
SourceKolo help center, fees and pricing · checked November 10- Monthly fee
- $0
- Virtual card
- FreeNeeds a $10 / €10 stablecoin deposit, returned as spendable credit
- Card payment
- 1% conversionOn every purchase, any currency
- Paying abroad
- 1% extra (USD card)EUR card: 0.55–1.35% by currency; USD payments at non-US merchants +1%
Plans
Kolo Card$0
- 2% back in BTC for the first 30 days, then 1%
- Max $2 / $1 per purchase, $100 a month
Limits
SourceKolo help center, spending limits · checked November 10- Spending per month
- $9,000Same as the daily limit; more with proof of funds
Top up & withdraw
SourceKolo help center, crypto deposits · checked November 10Top up
- Crypto
- Stablecoins, BTC, ETH, LTC and moreTron, Ethereum, Solana, Polygon, Base, Arbitrum, BNB, Stellar, TON; no fee
Withdraw
- Cash withdrawal
- Kolo help center, cash withdrawal · November 10
- $1 + 0.65%USD card only; $0.60 per declined try or balance check
Countries not published
- How they check where you live
- Phone verification; proof of address document may be required for EUR cards
- ID from another country
- Not for citizens of 5 countries, wherever they live
- ID accepted
- Kolo help center, verification · November 10
- Not published (types depend on your country, not listed): ID, selfie, phone; proof of address for the EUR card
- Pays in
- Kolo help center, where the card works · November 10
- Anywhere Visa works, except sanctioned countries (EUR card: a longer list)
Not for citizens of
CubaIranNorth KoreaSudanSyria
Trust
SourceKolo help center, card overview · checked November 10- Card issued by
- Banco Popular de Puerto Rico (USD) / Wirex Ltd (EUR)
- Licence
- Visa Platinum; card program with Rain (USD) and Wirex (EUR); app by Hardline Holding Limited (AIFC FinTech Lab)
- Based in
- Puerto Rico / United Kingdom
No app store rating found for Kolo Card yet.
Offers
First 30 days2% back in BTC, then 1%
Changes
- July 24Cashback launched on the EUR card
- July 1Hardline Holding (Kazakhstan) took over from BURVIX (Poland)
- November 10Kolo Card: every fact checked against the official pages
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Costs /yr if you spend A year at $500/moCurrency fee−$108
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