KoloKolo
73
Side-by-side card comparison
Kolo vs 1inch: overall score versus use-case fit
1inch Card has the higher Overall Score by 6 points (79 vs 73). Kolo Card looks stronger for Lowest fees, while 1inch Card comes out ahead for Cashback, Travel, Funds control, and Transfers.
Information checked Aug 31, 202641 official sources reviewed
01 · Overall score versus use-case fit
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Lowest fees. 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.
OverallKolo731inch79Higher score
CashbackKolo541inch63Higher score
TravelKolo701inch82Higher score
Funds controlKolo561inch80Higher score
Lowest feesKolo831inch74Higher score
TransfersKolo921inch93Higher score
Choose Kolo Card if lowest fees matters most
Kolo Card comes out ahead for Lowest fees 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
Choose 1inch Card if cashback and travel matter most
1inch Card comes out ahead for Cashback, Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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
- Kolo731inch79
1inch Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Kolo$0 plan · 1% FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 1%).
- Purchase rewards
- Kolo1% base · up to 2%1inch1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- KoloCustodial balance1inchHybrid custody
Kolo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KoloVirtual · Apple Pay, Google Pay1inchVirtual + Physical · Apple Pay, Google Pay
1inch Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 3).
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
- 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
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 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
CardsKolo CardOverall731inch CardOverall79
Kolo CardOverall731inch CardOverall79Scores
6 fields- Overall Score
- Kolo Card731inch Card79
- Cashback score
- Kolo Card541inch Card63
- Travel score
- Kolo Card701inch Card82
- Funds control score
- Kolo Card561inch Card80
- Lowest fees score
- Kolo Card831inch Card74
- Transfers score
- Kolo Card921inch Card93
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial wallet1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Kolo Card$01inch Card$0
- FX fee
- Kolo Card1%1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Kolo Card0%1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Kolo CardNot disclosed1inch Card2%
- ATM fee
- Kolo Card$1 + 0.65%1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Kolo CardFree1inch CardNot disclosed
- Physical card
- Kolo CardPlanned for Q3 2026; not currently available1inch CardNot disclosed
Plans
2 fields- Available plans
- Kolo CardNot disclosed1inch CardNot disclosed
- Top cashback plan
- Kolo CardNot disclosed1inch CardNot disclosed
Everyday use
8 fields- Network
- Kolo CardVisa1inch CardMastercard
- Card formats
- Kolo CardVirtual1inch CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailable1inch CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, Android1inch CardiOS, Android
- Daily spending limit
- Kolo Card$9,000/day1inch CardAccount-specific in Profile
- Monthly spending limit
- Kolo Card$9,000/month1inch CardAccount-specific in Profile
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24h1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosed1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +101inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Kolo CardNot disclosed1inch CardEUR or GBP bank deposit
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Kolo CardEUR1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Kolo Card1%1inch Card1%
- Max cashback
- Kolo Card2%1inch Card2%
- Reward currency
- Kolo CardBTC cashback1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Kolo CardNot offered1inch CardNot offered
- How it works
- Kolo CardNot offered1inch CardNot offered
- Separate deposit
- Kolo CardNot offered1inch CardNot offered
- Use balance for spending
- Kolo CardNot offered1inch CardNot offered
- Lock-up
- Kolo CardNot offered1inch CardNot offered
Trust & availability
7 fields- Custody
- Kolo CardCustodial1inch CardHybrid custody
- Control until payment
- Kolo CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex Limited1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Kolo CardNot disclosed1inch CardCrypto Life
- Custody / key management
- Kolo CardNot disclosed1inch CardBaanx
- Identity verification
- Kolo CardSumSub1inch CardNot disclosed
- Programme operator
- Kolo CardHardline Holding Limited1inch CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card281inch Card13
- Last reviewed
- Kolo CardAug 28, 20261inch CardAug 31, 2026
04 · The trade-off
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 73 for Kolo Card. 1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 1%). Both cards show the same base cashback rate of 1%.
Kolo Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Kolo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody 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 3). 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 Kolo Card and 1inch Card reviews first.
Continue with
Kolo Card
Continue with
1inch Card
05 · Common questions
Kolo vs 1inch FAQ
Is Kolo or 1inch better overall?
1inch Card has the higher Overall Score (79 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, Kolo or 1inch?
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Kolo or 1inch?
Both cards show the same base cashback rate of 1%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and 1inch differ on custody?
Kolo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Kolo vs 1inch comparison?
The latest information check for these two cards was August 31, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.