HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Kolo: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 2 points (75 vs 73). Holyheld Card looks stronger for Cashback and Funds control, while Kolo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202656 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Travel, Lowest fees, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallHolyheld75Kolo73Higher score
CashbackHolyheld64Kolo54Higher score
TravelHolyheld68Kolo70Higher score
Funds controlHolyheld74Kolo56Higher score
Lowest feesHolyheld67Kolo83Higher score
TransfersHolyheld81Kolo92Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Kolo Card if travel and lowest fees matter most
Kolo Card comes out ahead for Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Holyheld75Kolo73
Holyheld Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- HolyheldHybrid custodyKoloCustodial balance
Holyheld Card uses a hybrid custody setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsHolyheld CardOverall75Kolo CardOverall73
Holyheld CardOverall75Kolo CardOverall73Scores
6 fields- Overall Score
- Holyheld Card75Kolo Card73
- Cashback score
- Holyheld Card64Kolo Card54
- Travel score
- Holyheld Card68Kolo Card70
- Funds control score
- Holyheld Card74Kolo Card56
- Lowest fees score
- Holyheld Card67Kolo Card83
- Transfers score
- Holyheld Card81Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Holyheld Card$0Kolo Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyKolo Card1%
- Top-up fee
- Holyheld Card0%Kolo Card0%
- Card spending fee
- Holyheld Card€0.50Kolo CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Kolo Card$1 + 0.65%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessKolo CardFree
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalKolo CardNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardKolo CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Holyheld CardAvailableKolo CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyKolo Card$9,000/day
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyKolo Card$9,000/month
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Kolo CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Holyheld CardPersonal EUR IBANKolo CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Holyheld CardEURKolo CardEUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Kolo Card1%
- Max cashback
- Holyheld Card1%Kolo Card2%
- Reward currency
- Holyheld CardUSDCKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedKolo CardNot offered
- How it works
- Holyheld CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Holyheld CardYesKolo CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedKolo CardNot offered
- Lock-up
- Holyheld CardNoKolo CardNot offered
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyKolo CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Holyheld CardSumsub / IdenfyKolo CardSumSub
- Programme operator
- Holyheld CardHolyheld Labs AGKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Holyheld Card28Kolo Card28
- Last reviewed
- Holyheld CardAug 12, 2026Kolo CardAug 28, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 73 for Kolo Card. Kolo Card has the lower published FX fee (1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Kolo Card has the higher published base cashback rate (1% vs 0.5%).
Kolo Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Kolo Card lists more stablecoins and ways to send money out (10 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Holyheld Card and Kolo Card reviews first.
Continue with
Holyheld Card
Continue with
Kolo Card
05 · Common questions
Holyheld vs Kolo FAQ
Is Holyheld or Kolo better overall?
Holyheld Card has the higher Overall Score (75 vs 73). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Holyheld or Kolo?
Kolo Card has the lower published FX fee (1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Kolo?
Kolo Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Kolo differ on custody?
Holyheld Card uses a hybrid custody setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.