Coca
Coca is a prepaid Visa card on a self-custody smart wallet that you open with an e-mail or passkey, no seed phrase. Cashback runs from 1% to 8% in USDC or EURC depending on how much $COCA you stake, but each tier caps how much you can withdraw per month.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Physical card
- Self-custody
Good
- Self-custody smart wallet with e-mail or passkey login and key export
- 0% FX fee and a free virtual card on every tier
- Cashback in stablecoins (USDC or EURC)
- Personal SEPA IBAN; $200 of free ATM withdrawals a month
Watch out
- Higher cashback needs a $COCA stake with a 30-day unstaking wait
- Monthly cashback withdrawal caps: $15 on the free tier
- Low App Store rating (3.9 from 37 reviews)
- Not available in the US, Canada, China, India, Singapore or Egypt
Key facts
- Card price
- Freevirtual
- Cashback
- 1%on the first $1,500 a month
- Annual fee
- Free
- FX fee
- Free
- Daily spend limit
- €30,000
Rewards
| Cashback | 1% in USDC or EURC, up to $15 a month |
|---|---|
| Paid in | USDC or EURC |
| Monthly bands (entry plan) | 1% up to $1,500; 0% above $1,500 |
| Payout | Paid in USDC or EURC. |
Conditions
- Rate and withdrawal cap depend on your $COCA stake: 300 for 3%, 1,000 for 4%, 3,000 for 5%, 10,000 for 6%, 30,000 for 8%
- Monthly withdrawal cap = tier allowance + $1 for every 100 $COCA staked
- Claim once every 24 hours, minimum $1; cashback is pending for 14 days and expires after 12 months
- If your $COCA balance drops, tier benefits stay for 30 days
Perks
- 50% back on subscriptions such as Netflix, ChatGPT, Spotify and Amazon Prime (up to $35 per category, subscriptions up to $70), from Standard
- Up to 5% variable yield on USD balances (Morpho and Gauntlet), no lock
- Hotel discounts up to 50%
Promotions
- 30% discount on locking $COCA for Premium* (no end date given)
Fees, limits and card details
| Virtual card | Free |
|---|---|
| Physical card | FreeThe official site offers a free card; a third-party review lists $5 on the three lower tiers |
| Monthly fee | Free |
| Annual fee | Free |
| Foreign currency (FX) | Free |
| ATM withdrawal | Free up to $200 a month, then 2% |
| USD to EUR exchange in the app | 1.7% over the xe.com rate* |
| Spending, per transaction | €30,000* |
|---|---|
| Spending, per day | €30,000* |
| Spending, per month | €30,000* |
| ATM, per day | €850 and 5 withdrawals* |
| ATM, per month | €5,000* |
- Purchases are also capped at €75,000 a quarter and €100,000 per half-year.
| Provider | Coca |
|---|---|
| Network | Visa |
| Card type | PrepaidPrepaid debit. |
| Custody | Self-custodyPrivy smart wallet (ERC-4337 / EIP-7702): log in with e-mail or a passkey, no seed phrase, private key export possible. |
| Formats | Virtual card, Physical card |
| Currencies | EUR, USD |
| Issuer | Wirex Limited (UK) and UAB Wirex (EEA) |
| Regulation | Wirex Limited is regulated by the FCA |
| IBAN account | Yes |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Launched | March 2026 |
| Required | KYC required |
|---|
- Identity verification at signup; the documents and process are not described. The site's marketing mentions "no KYC hassles".
Official links
* Not confirmed by the provider
Availability
Available (44)
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Ghana, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Japan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Nigeria, Norway, Poland, Portugal, Romania, Saudi Arabia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Thailand, Türkiye, Uganda, United Arab Emirates, United Kingdom, Vietnam
Not available
Canada, China, Egypt, India, Singapore, United States.
Other countries are unknown: the provider does not publish a full list.
Provider's claim: 76 countries: 41 in Europe, 19 in Asia, 9 in the Americas, 5 in Africa, 2 in Oceania.
Only some countries are named; the official site lists regions (UK, EEA, Asia, South America, Middle East, Africa) and points to the app.
Supported cryptocurrencies
- USDC
- USDT
- ETH
- BTC
Bank and card top-ups
SEPA (EUR IBAN), USD account where available, Debit or credit card, 17 on-ramps, 182 local payment methods.
- Deposit networks are not named. Card spend settles on Base.
Plans
| Starterrated planNo stake | Standard300 $COCA staked | Standard+1,000 $COCA | Premium3,000 $COCA | Premium+10,000 $COCA | Elite30,000 $COCA | |
|---|---|---|---|---|---|---|
| Cashback | 1% | 3% | 4% | 5% | 6% | 8% |
| Monthly withdrawal cap | $15 | $25 | $35 | $60 | $140 | $350 |
| Subscription categories | 0 | 1 | 2 | 2 | 3 | 4 |
| Physical card (third-party data) | $5 | $5 | $5 | Free | Free | Free |
Starterrated plan
No stake
- Cashback
- 1%
- Monthly withdrawal cap
- $15
- Subscription categories
- 0
- Physical card (third-party data)
- $5
Standard
300 $COCA staked
- Cashback
- 3%
- Monthly withdrawal cap
- $25
- Subscription categories
- 1
- Physical card (third-party data)
- $5
Standard+
1,000 $COCA
- Cashback
- 4%
- Monthly withdrawal cap
- $35
- Subscription categories
- 2
- Physical card (third-party data)
- $5
Premium
3,000 $COCA
- Cashback
- 5%
- Monthly withdrawal cap
- $60
- Subscription categories
- 2
- Physical card (third-party data)
- Free
Premium+
10,000 $COCA
- Cashback
- 6%
- Monthly withdrawal cap
- $140
- Subscription categories
- 3
- Physical card (third-party data)
- Free
Elite
30,000 $COCA
- Cashback
- 8%
- Monthly withdrawal cap
- $350
- Subscription categories
- 4
- Physical card (third-party data)
- Free
Unstaking cancels the tier after a 30-day wait; partial unstaking is not possible. The token lock-up was extended to 1 December 2027.
Community review
App Store
3.9 out of 5 from 37 ratings
App: COCA: Crypto Card & Wallet
Our rating
6.6 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 6.6 | 1.85 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up costUnknown | 20% | 2.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost0% | 15% | 10.0 | |
| ATM cost2% | 10% | 4.0 | |
| Rewards | 18% | 8.0 | 1.44 |
| Cashback at $1,000 a month1% | 75% | 7.4 | |
| Reward currencyUSDC or EURC | 15% | 10.0 | |
| Perks3 | 10% | 9.1 | |
| Availability | 14% | 6.5 | 0.91 |
| Countries44 countries | 70% | 5.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 5.7 | 0.40 |
| Spending capacity a day$30,000 | 70% | 6.0 | |
| Cash a day$850 | 30% | 5.0 | |
| Custody | 7% | 10.0 | 0.70 |
| Track record | 7% | 6.0 | 0.42 |
| Age7 months | 50% | 1.9 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 8.5 | 0.51 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 2.8 | 0.14 |
| NetworksUnknown | 50% | 2.0 | |
| Coins4 | 50% | 3.5 | |
| App ratings | 3% | 1.7 | 0.05 |
| Total | 100% | 6.62 = 6.6 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Open the Coca app (iOS or web) and sign in with e-mail or a passkey.
- Verify your identity.
- Top up with stablecoins, crypto, a bank transfer to your IBAN, or a card.
- Use the free virtual card, or order a plastic card; stake $COCA for a higher tier.
Questions
How much does the Coca card cost?
Getting a Coca card is free. Annual fee: Free.
Does Coca pay cashback?
1% in USDC or EURC, up to $15 a month. At $1,000 of spend a month on the entry plan that works out to about 1%. Paid in USDC or EURC.
Does Coca require KYC?
Yes, Coca requires identity verification before you get the card. Identity verification at signup; the documents and process are not described. The site's marketing mentions "no KYC hassles".
Is Coca available in the US?
No, Coca is not available to US residents.
Can I add Coca to Apple Pay or Google Pay?
Yes, Coca works with Apple Pay and Google Pay.
Which coins and networks can I use to top up Coca?
Coins: USDC, USDT, ETH, BTC.
What are the Coca spending limits?
Per day: €30,000. Per month: €30,000.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website and docs
- SpendNode
- PaymentScan
- Telegram reports
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.