Main strengths
- 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 silver card mockupStandard card design
Stablecoin account + Visa card
Kolo Card
Kolo combines free virtual Visa spending, BTC cashback and crypto-to-SEPA withdrawal routes in one app. Supported crypto funds the card balance, while eligible balances can move to a bank account through the separate SEPA route.
Low FXClear feesTiered rewardsBTC depositsBTC rewardsCrypto-native
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
Kolo Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Top-up0%No stated provider funding surcharge
Stablecoin rate markup0% rate markupKolo applies no rate markup when spending USDT, USDC or EURC. The separate card-spending fee still applies.
Card spending1%Charged on every card payment, including payments funded with stablecoins.
Provider FX markup1%Added to the 1% card-spending fee on cross-currency payments, making Kolo's combined charge 2% before Visa's conversion rate.
ATM withdrawal$1 + 0.65%ATM balance inquiries cost $0.60 and declined ATM transactions cost $0.60. These are ATM-specific charges; operator surcharges and general account limits may also apply.
Limits and secondary feesLimits and other fees
Daily card spend$9,000/dayListed
Monthly card spend$9,000/monthListed
ATM limit$500/24hListed
Account depositUnlimitedListed
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
Current programme cap
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
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
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 receive2 routes
Crypto top-up
1 route
Crypto top-upTop up in the app with supported crypto; exact networks, fees, limits and balance-crediting behavior stay route-specific.USDTUSDCDAIEURC20 assetsFee0%SpeedNot confirmedLimitsNo general deposit cap; asset/network minimums and compliance checks applyAvailabilityNot confirmedDetails
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.
Internal funding
1 route
Kolo user transfersThe no-fee label applies only to transfers to another Kolo user, not to external crypto-address sends.USDTUSDCDAIEURC20 currenciesFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityNot confirmedDetails
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.
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 settle5 routes
External crypto sends
1 route
Crypto-address sendsThe app selector lists 20 send assets.USDTUSDCDAIEURC20 assetsFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityNot confirmedDetails
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 transfersThe no-fee label applies only to transfers to another Kolo user, not to external crypto-address sends.USDTUSDCDAIEURC20 currenciesFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityNot confirmedDetails
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 walletsThis is an internal balance movement, not an external crypto withdrawal.USDTUSDCDAIEURC20 currenciesFeeNot confirmedSpeedNot confirmedLimitsShown in appAvailabilityRegion-dependentDetails
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 cardAvailability depends on the selected currency, recipient card and account eligibility.FeeNot confirmedSpeedNot confirmedLimitsShown in appAvailabilityRegion-dependentDetails
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 withdrawalKolo supports outbound EUR SEPA withdrawals, including the marketed Revolut, Wise, N26, SEPA bank use cases.EURFeeNot confirmedSpeed1–3 business daysLimitsShown in appAvailabilityConfirmed scopeDetails
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 supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- SumSub
Availability
Country-level card access is not disclosed.
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productKolo
Provides the product and account experience. Named legal operators appear separately.
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 73
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.
73/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift89
Everyday usability
Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.
Additional support93
Company & infrastructure
Named programme infrastructure includes Signify Holdings Inc. (Rain) (processing), Banco Popular de Puerto Rico (issuer) and Wirex Limited (issuer).
Main constraint42
Rewards value
1% base cashback and up to 2%; higher rates depend on complex conditions, paid in BTC.
08 · Evidence
Sources
30 sources28 officialChecked Aug 28, 2026
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
Kolo verification and address-region rulesOfficial source ↗Kolo card usage countriesOfficial source ↗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 ↗
09 · Card comparison
How Kolo Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Kolo Card
Card issuance and monthly card maintenance are currently free.
- Card
- Debit Visa, Virtual only
- Funds control
- Custodial balance
- Cashback
- 1%–2%
- FX fee
- 1%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC, EURC +2
- Transfers & payouts
- Crypto, Bank + Internal transfers
Similar match
A crypto-funded prepaid card with virtual, physical and phone-wallet access.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–3%
- FX fee
- 1.2%–2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- 2% most Global regions · 1% Australia · 1.5% Brazil · 7% Argentina
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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