Kolo Card
Virtual Visa debit card from Kolo that you fund with crypto. Pays 2% back in bitcoin for your first 30 days, then 1%.
Key facts
- Cashback
- 1% to 2% in BTC, daily
- Annual fee
- Free
- FX fee
- 1.4%
- Top-up fee
- 0%
- Per-purchase fee
- 1%
- ATM
- USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.
- Card types
- virtual
- Mobile wallets
- Apple Pay + Google Pay
Cashback: 2% for the first 30 days after activation, then 1%. Capped at $2 a purchase during the 2% period, $1 a purchase after, and $100 a month. Purchases under $1 earn nothing.
FX: USD card: no fee in USD, Visa rate + 1% on other currencies (and +1% on USD at non-US merchants). EUR card: no fee in EUR, +0.55% to +1.35% on other currencies.
G2M score worldwide
Where it works
- IndiaNot confirmed
- UAEAvailable
- United StatesNot confirmed
- United KingdomAvailable
- EU / EEANot confirmed
60+ countries incl. Europe, the UK and the UAE. Includes United Kingdom, United Arab Emirates.
Countries
Available in 3 countries
Europe 2
- Albania
- United Kingdom
Middle East 1
- United Arab Emirates
Not available in 5 countries
- Cuba
- Iran
- North Korea
- Sudan
- Syria
Kolo Card has not published a full country list, so the other 242 countries are not confirmed either way. Check with the issuer before you apply.
Banking features
- Bank account (IBAN or account number)
- No
- Send money to a bank account
- 1 currency
- Buy and sell crypto with fiat
- Sell only
- Spend against crypto without selling
- No
- Yield on your balance
- No
- ID check for people living abroad
- Not published
- Citizens turned away
- Cuba, Iran, North Korea, Sudan, Syria
Tiers and plans
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Kolo Card | Free | 1% | $100 | 1.4% | Free to join | 2% for the first 30 days |
Real swipe receipt
What one purchase really costs on Kolo Card, with every fee and the cashback.
What's good
- No issuance or monthly fee
- Cashback in bitcoin at any merchant, no category limits
- Available in the UAE and the UK
Watch out for
- 1% conversion fee on every purchase cancels out the 1% cashback
- Cashback drops to 1% after 30 days and is capped at $100 a month
- Virtual only until physical cards arrive (planned for 2027)
More details
- Other fees
- 1% conversion fee on every card payment · USD card: extra 1% on USD payments at non-US merchants · SEPA bank withdrawal: 1 EUR
- Perks
- Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account
- Spend from
- BTC, ETH, USDT, USDC, EURC, LTC
- Issuer
- Banco Popular de Puerto Rico (USD card); Wirex (EUR card)
Sources · last checked 25 Oct 2026
- Kolo Help Center: cashback program · 25 Oct 2026
- Kolo Help Center: fees and pricing · 25 Oct 2026
- Kolo Help Center: card overview · 24 Oct 2026
- Kolo Help Center: cash withdrawal · 22 Oct 2026
- Kolo: where Kolo works · 24 Oct 2026
- Kolo Help Center: Personal Card Activation · 24 Oct 2026
- Kolo Help Center: EUR IBAN Withdrawals · 25 Oct 2026
- Kolo Help: Your Kolo Wallet — How It Works · 24 Oct 2026
- Kolo Terms of Use v3.0.0 (1 July 2026), clause 22.2.1 · 24 Oct 2026
- Kolo blog: Best crypto card in Dubai 2026 · 24 Oct 2026
- Kolo Help Center: Kolo Verification - How It Works · 25 Oct 2026
- Kolo Terms of Use (PDF) · 25 Oct 2026
Terms change often. Confirm fees and availability on the official Kolo site before you apply. Spotted something out of date? Tell us.
