Kolo Card
Kolo is a Visa card that pays 2% cashback in bitcoin and charges no markup on USDT, USDC and EURC. It accepts eleven networks for top-ups and can send money out to European bank accounts, but publishes no fee table or country list.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Physical card
- Custodial
Good
- 2% cashback paid in bitcoin
- No markup on USDT, USDC and EURC spending
- No monthly or annual fee
- Many networks for top-ups, including Bitcoin, Litecoin and TON
Watch out
- No published fee table, limits or full country list
- Cashback may drop to 1% after the first month (third-party data)
- Custodial wallet (Telegram reports)
- Issuer not named on the official site
Key facts
- Cashback
- 2%on all spend
- Annual fee
- Free
- FX fee
- Free
- Daily spend limit
- $15,000*
Rewards
| Cashback | 2% in bitcoin |
|---|---|
| Paid in | BTC |
| Payout | Paid in BTC. |
| Referral | 40% of the fees Kolo earns from people you invite. |
Conditions
- DefiLlama: 2% in the first month, then 1%; PaymentScan: capped at $100
- No official maximum published
Promotions
- 5% back in BTC for the first 3 months (up to $5 per transaction), then 1%* (no end date given)
Fees, limits and card details
| Monthly fee | Free |
|---|---|
| Annual fee | Free |
| Foreign currency (FX) | FreeNo markup on USDT, USDC and EURC; PaymentScan lists 1%, and Telegram reports 1% (USD) to 2% (other currencies) on the USD card |
| ATM withdrawal | $1 + 0.65%Operator fees may apply |
| Withdrawal | €1 by SEPA, $1 in crypto* |
| ATM balance inquiry or declined withdrawal | $0.60* |
| Spending, per day | $15,000*USD card |
|---|---|
| Spending, per month | $50,000*USD card |
| ATM, per transaction | $500* |
| ATM, per day | 3 withdrawals per 24 hours* |
| Provider | Kolo |
|---|---|
| Network | Visa |
| Custody | CustodialCustodial wallet according to Telegram reports. |
| Formats | Virtual card, Physical card |
| Currencies | EUR, USD |
| Issuer | Not disclosedNot named officially. Telegram reports describe two virtual cards: a Wirex EUR card and a Nimbus USD card; PaymentScan lists Rain and Wirex. |
| Regulation | Says it is MiCA-compliant |
| IBAN account | Yes |
| Cards per account | Up to 3 cards per account (Telegram report). |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Launched | February 2025 |
| Required | KYC required |
|---|---|
| Verification provider | Sumsub |
| Time | About 1 minute |
* Not confirmed by the provider
Availability
Available (2)
United Arab Emirates, United Kingdom
Likely available (30)
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Other countries are unknown: the provider does not publish a full list.
Provider's claim: The site says both 60+ and 170+ countries.
The country page headlines Europe, the UAE and the UK but does not render a full list. EEA countries are shown as likely available.
Supported cryptocurrencies
- BTC
- ETH
- LTC
- USDT
- USDC
- EURC
Supported networks
- Arbitrum
- Avalanche
- Base
- Bitcoin
- BNB Chain
- Ethereum
- Litecoin
- Polygon
- Solana
- TON
- Tron
- Sui
Bank and card top-ups
SEPA withdrawals to Revolut, Wise, N26 and other banks.
- Crypto is converted at the moment of payment.
Community review
Our rating
5.8 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 5.6 | 1.57 |
| Cheapest cardUnknown | 20% | 2.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up costUnknown | 20% | 2.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost0% | 15% | 10.0 | |
| ATM cost1.15% | 10% | 10.0 | |
| Rewards | 18% | 8.0 | 1.44 |
| Cashback at $1,000 a month2% | 75% | 9.1 | |
| Reward currencyBTC | 15% | 8.0 | |
| Perks0 | 10% | 0.0 | |
| Availability | 14% | 5.4 | 0.76 |
| Countries32 countries | 70% | 3.5 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 4.1 | 0.29 |
| Spending capacity a day$15,000 | 70% | 5.0 | |
| Cash a day$500 | 30% | 2.0 | |
| Custody | 7% | 3.0 | 0.21 |
| Track record | 7% | 5.6 | 0.39 |
| Age20 months | 50% | 6.0 | |
| IssuerNot named | 30% | 2.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 7.5 | 0.45 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 8.5 | 0.43 |
| Networks12 | 50% | 9.5 | |
| Coins6 | 50% | 7.4 | |
| App ratings | 3% | 2.0 | 0.06 |
| Total | 100% | 5.79 = 5.8 |
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
- Install the Kolo app and pass the Sumsub check (about a minute).
- Deposit crypto or stablecoins on a supported network.
- Issue a virtual card and add it to Apple Pay or Google Pay.
Questions
How much does the Kolo Card card cost?
Annual fee: Free.
Does Kolo Card pay cashback?
2% in bitcoin. At $1,000 of spend a month on the entry plan that works out to about 2%. Paid in BTC.
Does Kolo Card require KYC?
Yes, Kolo Card requires identity verification before you get the card through Sumsub (about 1 minute).
Can I add Kolo Card to Apple Pay or Google Pay?
Yes, Kolo Card works with Apple Pay and Google Pay.
Which coins and networks can I use to top up Kolo Card?
Coins: BTC, ETH, LTC, USDT, USDC, EURC. Networks: Arbitrum, Avalanche, Base, Bitcoin, BNB Chain, Ethereum, Litecoin, Polygon, Solana, TON, Tron, Sui.
What are the Kolo Card spending limits?
Per day: $15,000. Per month: $50,000.
Similar cards
- KAST7.1Cashback: 1.5%; Card price: Free; KYC required
- RedotPay5.9Cashback: 3%; Card price: $10; KYC required
- WooCard4.7Cashback: 0%; Card price: $9; No KYC at signup
- Plasma One7.7Cashback: 2%; Card price: Free; KYC required
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
- Official website and FAQ
- DefiLlama
- 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.