Why it stands out
- Card issuance and monthly card maintenance are currently free.
- Individual USD cards earn 2% for 30 days, then 1%, capped at $100 monthly.
- Supports crypto sends, eligible card payouts and outbound EUR SEPA withdrawals.
Kolo black card mockupStandard card design
Stablecoin account + Visa card
Kolo Card
A free virtual Visa Platinum debit card funded through Kolo's custodial card-spend wallet. The individual USD card earns 2% BTC cashback for 30 days, then 1%, while the app supports crypto sends, eligible card withdrawals and outbound EUR SEPA transfers. Every card payment from a digital-asset balance costs 1%; when cross-currency conversion is required, Kolo states another 1% FX add-on applies in the same transaction.
Low FXTiered rewardsBTC depositsBTC rewardsCrypto-nativeFree base plan
Marketed in 170+ countries; exact card signup eligibility is confirmed during registration.
Main trade-offs
- All digital assets incur 1%; Kolo's stated FX add-on can make it 2%.
- Card spending uses Kolo's custodial wallet, not the separate Web3 wallet.
- Physical cards are planned for Q3 2026; the USD ATM fee remains unknown.
01 · Core economics
Costs that matter
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Monthly plan$0/moNo recurring monthly plan fee in the approved offer
Top-up0%No stated provider funding surcharge
USDT / USDC / EURC card payment0% rate markupThe 0% applies to Kolo's conversion rate; the separate 1% card-payment fee still applies.
Every card payment1%Kolo charges this on payments from any digital asset, including stablecoins.
Cross-currency card payment2%The 1% Kolo card fee and Kolo's stated 1% FX add-on stack; Visa's rate sets the conversion.
Limits and secondary feesLimits and other fees
ATM withdrawalNot disclosedNot disclosed
Daily card spend$9,000/dayListed
Monthly card spend$9,000/monthListed
ATM limit$500/withdrawal; 3 withdrawals/24hListed
Account depositNo general deposit cap; network minimums and compliance checks applyListed
02 · Rewards programme
1% BTC cashback, 2% for the first 30 days
Kolo Card currently pays 2% BTC cashback during the first 30 days and 1% afterwards. Rewards apply after qualifying transactions clear; caps are not publicly disclosed, and the terms allow the programme to change or end.
Ongoing rate after the first 30 days
Introductory rate during the first 30 days
BTC cashback
Approved programme cap
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsNot confirmed
- EUR bank detailsNot confirmed
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Kolo
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 1 routeCrypto top-upUSDTUSDCDAIEURC20 assets
Crypto top-up
1 route
Crypto top-up
Top up in the app with supported crypto; exact networks, fees, limits and balance-crediting behavior stay route-specific.
USDTUSDCDAIEURC20 assets
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- No general deposit cap; asset/network minimums and compliance checks apply
- Availability
- Not confirmed
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
EURI, BTC, ETH, SOL, BNB, LTC, TRX, ARB, CAKE, 1INCH, CRV, APE, UNI, LINK, XTZ, XAUT
Availability
Top-up assets are shown in app; networks and regional availability are not publicly confirmed
Restrictions
Asset-specific networks and minimums remain in-app; Kolo does not charge an incoming crypto-deposit fee.
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle · 5 routesExternal crypto sendsUSDTUSDCDAIEURC20 assetsInternal transfersKolo user transfersNo fixed feeNot confirmedBank transfers & payoutsSEPALocal bankEUR
External crypto sends
1 route
Crypto-address sends
The app selector lists 20 send assets.
USDTUSDCDAIEURC20 assets
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Not confirmed
Route details
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
EURI, BTC, ETH, SOL, BNB, LTC, TRX, ARB, CAKE, 1INCH, CRV, APE, UNI, LINK, XTZ, XAUT
Availability
Exact country, account-tier and network scope is not publicly confirmed
Fee scope
Not publicly confirmed
Restrictions
The app selector lists 20 send assets. Asset-specific networks and external-send fees are not publicly confirmed.
Internal transfers
2 routes
Kolo user transfers
The no-fee label applies only to transfers to another Kolo user, not to external crypto-address sends.
USDTUSDCDAIEURC20 currencies
- Fee
- No fixed fee
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Not confirmed
Route details
Fee components
- No provider transfer fee
More assets, currencies or networks
EURI, BTC, ETH, SOL, BNB, LTC, TRX, ARB, CAKE, 1INCH, CRV, APE, UNI, LINK, XTZ, XAUT
Availability
Other Kolo users; exact country and account-tier scope is not publicly confirmed
Limit scope
Not publicly confirmed
Restrictions
The no-fee label applies only to transfers to another Kolo user, not to external crypto-address sends.
Transfers between your Kolo wallets
This is an internal balance movement, not an external crypto withdrawal.
USDTUSDCDAIEURC20 currencies
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Shown in app
- Availability
- Region-dependent
Route details
Fee components
- Fee terms are descriptive only
More assets, currencies or networks
EURI, BTC, ETH, SOL, BNB, LTC, TRX, ARB, CAKE, 1INCH, CRV, APE, UNI, LINK, XTZ, XAUT
Availability
The user's own eligible Kolo wallets; method availability depends on the selected currency
Fee scope
Shown before confirmation
Restrictions
This is an internal balance movement, not an external crypto withdrawal.
Bank transfers & payouts
2 routes
Withdraw to an eligible card
Availability depends on the selected currency, recipient card and account eligibility.
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Shown in app
- Availability
- Region-dependent
Route details
Fee components
- Fee terms are descriptive only
Availability
Eligible cards supported by the in-app payout flow; ownership and regional restrictions apply
Fee scope
Shown before confirmation
Restrictions
Availability depends on the selected currency, recipient card and account eligibility.
EUR SEPA withdrawal
Kolo supports outbound EUR SEPA withdrawals, including the marketed Revolut, Wise, N26, SEPA bank use cases.
EUR
- Fee
- Not confirmed
- Speed
- 1–3 business days
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Availability
Verified personal accounts in supported payout countries; recipient IBAN must be in the user's own name
Fee scope
Shown before confirmation; public card/source set does not disclose exact payout fee table
Account setup
own name
Restrictions
Kolo supports outbound EUR SEPA withdrawals, including the marketed Revolut, Wise, N26, SEPA bank use cases. Kolo does not provide a personal receiving IBAN, so this is not a bank-deposit rail.
06 · Trust and eligibility
Where Kolo is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- SumSub
Availability
This is marketed reach, not a complete card-issuance allowlist; registration remains the country-level eligibility check.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productKolo
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlKolo + programme partners
Controls settlement until payment.
Custodial accountIdentity verificationSumSub
Runs identity verification for the applicable programme.
Programme operatorHardline Holding Limited
Provides Kolo site, wallet and programme services from 1 July 2026; the current AFSA register lists the company as an active FinTech Lab participant.
Jurisdiction: Kazakhstan · Applies to: All Kolo services from 1 July 2026 under Terms v3.0.0; AFSA licence AFSA-G-LA-2024-0011 lists dealing as principal/agent and providing custody, without identifying the Kolo card issuer or a bank.Card services / infrastructureSignify Holdings Inc. (Rain)
Provides card services and infrastructure in collaboration with Kolo; the terms do not identify it as the card issuer.
Jurisdiction: Delaware, United States · Applies to: Kolo Card services under the July 2026 terms.Card issuerBanco Popular de Puerto Rico
Issues Kolo's USD Visa Platinum debit-card programme under BIN 454905.
Jurisdiction: Puerto Rico · Applies to: Kolo USD card programme.Card issuerWirex Limited
Issues Kolo's EUR Visa Platinum debit-card programme under BIN 442601.
Jurisdiction: United Kingdom · Applies to: Kolo EUR card programme.07 · Methodology
Why the score is 70
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
70/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Everyday usability
Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.
Additional support94
Company & infrastructure
Named programme infrastructure includes Signify Holdings Inc. (Rain) (processing), Banco Popular de Puerto Rico (issuer) and Wirex Limited (issuer).
Main constraint45
Custody & control
Custodial account; the account provider controls funds before card settlement.
08 · Evidence
Sources
29 sources26 officialChecked Jul 14, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Kolo — Crypto Visa Card & USDT Wallet | Spend in 60+ CountriesOfficial source ↗Crypto Wallet — Store BTC, ETH, USDT & Spend with Visa Card | KoloOfficial source ↗https://cdn.kolo.in/public/terms-of-useOfficial source ↗Privacy Notice Last updated: 31.12.2025 Version: 2.1 This Privacy Notice (the “ Notice ”) describes how we collect and process your data through https://kolo.xyz/ and/or https://kolo.in/ website, Telegram Mini App available at https://t.me/kolo and related mobile applications (Android / iOS) (together, the “ Site(s) ”). The terms “ we ”, “ us ”, “ our ” and “ ourselves ” refer to the KOLO entities, such asOfficial source ↗Kolo💚 (@KoloHub) / XOfficial source ↗The Biggest Bitcoin CashbackOfficial source ↗
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