Kolo Card vs MiniPay Card
Kolo CardBank top-ups, cash-out to a bank.
MiniPay CardLower cost at your spend, more cashback, cheaper abroad.
Side by side
Money
SourceKolo help center, fees and pricing · checked November 10SourceOpera press release, MiniPay launches Visa debit card (23.06.2026) · checked November 10- A year at $500/mo
- Costs/yr
- Earn up to/yr★
- Cashback a year
- +$60
- +$300★
- Cashback rate
- 1–2% in BTC
- Up to 5%, max $100/mo
- Paying in another currency
- 1% extra (USD card)
- No MiniPay fee, Visa rate★
- Virtual card
- Free
- Free to activate
- Physical card
- Not offered yet
- Not offered
- Cash withdrawal
- $1 + 0.65%
- No ATM
Getting it
SourceKolo help center, verification · checked November 10SourceMiniPay FAQ · checked November 10- For residents of
- Not published
- Not published
- ID from another country
- Not for citizens of 5 countries, wherever they live
- Not published
- ID accepted
- Not published (types depend on your country, not listed): ID, selfie, phone; proof of address for the EUR card
- Not published (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Sign-up
- ID + selfie, $10 deposit
- ID check in the app, by country
- Top up from a bank
- Yes★
- Crypto only
- Cash out to a bank
- Yes★
- No
Using it
SourceKolo help center, where the card works · checked November 10SourceMiniPay virtual card page · checked November 10- Pays in
- Anywhere Visa works, except sanctioned countries (EUR card: a longer list)
- Anywhere Visa works, 175M+ merchants
- Spending per day
- Not published
- Not published
- Your money
- Company holds it
- You hold it
- App Store rating
- Not found
- 4.6 / 5
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Kolo Card, MiniPay Card.
