COCA combines stablecoin funding, personal IBAN receive, card spending and six reward tiers in one self-controlled account. Card access begins on the free tier; paid tiers add higher cashback, and monthly reward claims have a separate limit.
Supported stablecoins, personal bank details and card access sit in one COCA app.
Physical, virtual, Apple Pay and Google Pay access are all available.
Higher tiers raise cashback rates and add subscription rebates and support.
Main trade-offs
Higher rates need staked COCA, and a 30-day cooldown applies on exit.
ATM withdrawals are free only until the monthly allowance is used.
01 · Core economics
Costs that matter
Coca Card combines $0 entry with 0% listed provider FX and ATM access. Allowances, overage charges and third-party costs still depend on the current programme.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in its current funding instructions.
Provider FX markup0%The 0% claim is limited to USDT, USDC and EURC; general FX, conversion spread and other asset costs are not disclosed.
ATM withdrawalFree up to $250/mo; then 2%$250/mo free is useful for occasional cash; 2% after it is relatively high.
Cashback applies to eligible card purchases and is normally credited by the 10th of the following month. Use the arrows to view all six tiers, including staking, cashback allowance, subscription rebate, support and physical-card terms.
Entry rate1%
Lowest current purchase reward rate
Maximum rate8%
Conditional: not the automatic rate
Reward assetUSDC/EURC
Stablecoins such as USDC or EURC cashback
Monthly redemption cap$350
Highest tier redemption cap; excess earned rewards roll forward
Memberships
1-3 / 6
Upgrade
Starter
Virtual/plastic debit card
$0/yr
Cashback
1% in USDC/EURC
Redemption cap
$15 / month
Requirement
No COCA staking
Exit rule
No staked COCA to release
Support
Basic support
Physical card
Plastic $5; EUR 50 initial funding, with the unused amount credited to card balance
After cap
Not listed
50% subscriptions
Not listed
Best fit
Check the plan price, rewards and limits before upgrading.
Best default
Standard
Virtual/plastic debit card
Stake 300 COCArequirement
Cashback
3% in USDC/EURC
Redemption cap
$25 / month
Requirement
Stake 300 COCA
Exit rule
Cancel tier; 30-day cooldown before claiming all staked COCA
Support
Basic support
Physical card
Plastic $5; EUR 50 initial funding, with the unused amount credited to card balance
After cap
1% cashback
50% subscriptions
1 category · charges up to $70
Best fit
Strongest value for most users
Best default
Standard+
Virtual/plastic debit card
Stake 1,000 COCArequirement
Cashback
4% in USDC/EURC
Redemption cap
$35 / month
Requirement
Stake 1,000 COCA
Exit rule
Cancel tier; 30-day cooldown before claiming all staked COCA
Support
Basic support
Physical card
Plastic $5; EUR 50 initial funding, with the unused amount credited to card balance
After cap
1% cashback
50% subscriptions
2 categories · charges up to $70
Best fit
Strongest value for most users
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
Visa networkAvailable
04 · Money in and out
How money enters, settles and leaves COCA
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive2 routesCrypto deposits1Bank deposits1USDTUSDCEURC
Crypto deposits
1 route
RouteCostSpeedLimitsScopeDetails
05 · Balance yield
Earn on the spendable balance
The eligible balance can earn a variable rate while remaining available for card spend and transfers.
Spendable yield
COCA Balance APY
~5% APY
Yield source
USD banking balance APY using on-chain lending markets such as Morpho with Gauntlet risk management
Yield mechanism
Lending pool
Protocols
Morpho
Strategy manager
Gauntlet
Redemption
Accrued APY is credited after a manual claim once earnings reach $1; the USD banking balance remains available for card spend and transfers.
Asset
USD banking balance
Card relationship
Yield balance can fund card spend
Withdraw anytime
Yes
Deposit insurance
No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where COCA is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Required
Identity verification is required to access card services.
Availability
76 countries listed as regional guidance
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
EUR Banking Account
28 countries
Countries listed as regional guidance76 countries
AndorraArgentinaAustraliaAustriaAzerbaijanBelgiumBrazilBulgariaChileColombiaCroatiaCyprusCzechiaDenmarkEcuadorEl SalvadorEstoniaFinlandFranceGeorgiaGermanyGhanaGibraltarGreeceGuernseyHong KongHungaryIcelandIndonesiaIrelandIsle of ManIsraelItalyJapanJerseyKazakhstanKenyaLatviaLiechtensteinLithuaniaLuxembourgMacaoMalaysiaMaltaMexicoMoldovaMonacoMontenegroNetherlandsNew ZealandNigeriaNorwayOmanPanamaPeruPhilippinesPolandPortugalRomaniaSaudi ArabiaSlovakiaSloveniaSouth AfricaSouth KoreaSpainSwedenSwitzerlandTaiwanThailandTurkeyUgandaUkraineUnited Arab EmiratesUnited KingdomUzbekistanVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productCOCA
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custody
Programme operatorCOCA / CCA LABS
Operates the applicable card programme.
07 · Methodology
Why the score is 70
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
70/100
Good
Higher is better
Cost efficiency 67
Rewards value 26
Everyday usability 99
Funding & transfers 81
Availability & eligibility 59
Custody & control 83
Company & infrastructure 45
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support83
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint26
Rewards value
1% base cashback and up to 8%; higher rates depend on complex conditions, paid in USDC/EURC.
08 · Offers & news
Latest from Coca Card
Bonuses, promotions and product updates for Coca Card.
One eligible Apple purchase receives an extra 1% on the first $1,500 of spend. Depending on the user's loyalty tier, total cashback can reach 9% or $135, but the campaign adds at most $15 beyond the normal tier reward.
Through September 30, eligible users can enter a paid COCA loyalty tier by staking 70% of its standard token requirement. The tier can remain active through March 31, 2027, but the smaller stake also means a lower monthly limit for claiming cashback and other rewards.
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
COCA v3.0 normalizes funded stablecoins into spendable self-controlled banking balances; the app selector remains the final source for current networks.
Bank deposits
1 route
RouteCostSpeedLimitsScopeDetails
EUR IBAN receiveEUR bank accounts limited to selected v3.0+ European residentsUSDEURFeeNot confirmedSpeedVaries by railLimitsEUR bank accounts limited to selected v3.0+ European residentsAvailabilityConfirmed scopeDetails
Fee components
Fee terms are descriptive only
Access path
Via connected wallet
Availability
EUR bank accounts limited to selected v3.0+ European residents
Fee scope
COCA docs do not disclose an inbound bank-transfer fee; sending bank fees may apply
Balance & conversionWallet control
Supported stablecoins settle into self-controlled USD or EUR Banking balances used for card spend; the separate Crypto Account remains under wallet control.
What happens on receipt
Supported stablecoins are credited to the self-controlled USD or EUR Banking balance. Other crypto assets remain in the separate Crypto Account until the user moves them.
Money outWays to send, withdraw or settle3 routesExternal crypto sends1Bank transfers & payouts1Card spending path17 assets11 networksUSDT
External crypto sends
1 route
RouteCostSpeedLimitsScopeDetails
Crypto sends and swapsCrypto sends/swaps are separate from card cashback and from bank-transfer rails; unsupported asset or network transfers can be lost.USDTUSDCEURCEURS7 assetsFeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Crypto sends/swaps are separate from card cashback and from bank-transfer rails; unsupported asset or network transfers can be lost.
Bank transfers & payouts
1 route
RouteCostSpeedLimitsScopeDetails
IBAN / bank transfersBank-account eligibility is narrower than card/rewards country availability, and sender/recipient identity checks can apply.EURUSD where availableFeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
Fee not publicly confirmed
Access path
Via connected wallet
Availability
Personal EUR IBAN / bank-transfer countries where COCA Banking Account is available
Card spending path
1 route
RouteCostSpeedLimitsScopeDetails
Self-controlled card spendUses the linked balance or wallet arrangement for card payments.EthereumBNB Smart ChainAvalanche C-ChainPolygonArbitrum+6FeeNot confirmedSpeedVaries by railLimits30,000 EUR/day card purchases; other period limits applyAvailabilityConfirmed scopeDetails
