OobitOobit
72
Side-by-side card comparison
Oobit vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 1 point (73 vs 72). Oobit Card looks stronger for Cashback and Funds control, while Kolo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202644 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Oobit Card may be the better fit for Cashback and Funds control. 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.
OverallOobit72Kolo73Higher score
CashbackOobit68Kolo54Higher score
TravelOobit45Kolo70Higher score
Funds controlOobit77Kolo56Higher score
Lowest feesOobit51Kolo83Higher score
TransfersOobit64Kolo92Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Oobit72Kolo73
Kolo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%Kolo1% base · up to 2%
Oobit Card has the higher published base cashback rate (5% vs 1%).
- Funds control
- OobitHybrid custodyKoloCustodial balance
Oobit 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
- OobitVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutKolo5 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 6).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Kolo CardOverall73
Oobit CardOverall72Kolo CardOverall73Scores
6 fields- Overall Score
- Oobit Card72Kolo Card73
- Cashback score
- Oobit Card68Kolo Card54
- Travel score
- Oobit Card45Kolo Card70
- Funds control score
- Oobit Card77Kolo Card56
- Lowest fees score
- Oobit Card51Kolo Card83
- Transfers score
- Oobit Card64Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Oobit Card$0Kolo Card$0
- FX fee
- Oobit Card3%Kolo Card1%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeKolo Card0%
- Card spending fee
- Oobit Card$0.25 + 1%Kolo CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeKolo Card$1 + 0.65%
- Virtual card
- Oobit CardFreeKolo CardFree
- Physical card
- Oobit CardNot disclosedKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Oobit CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Oobit CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaKolo CardVisa
- Card formats
- Oobit CardVirtualKolo CardVirtual
- ATM withdrawals
- Oobit CardAvailableKolo CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerKolo Card$9,000/day
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedKolo Card$9,000/month
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumKolo CardNot disclosed
- Crypto deposits
- Oobit CardNot disclosedKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Oobit CardNot disclosedKolo CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Kolo CardEUR
Rewards
3 fields- Base cashback
- Oobit Card5%Kolo Card1%
- Max cashback
- Oobit Card10%Kolo Card2%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Oobit CardNot offeredKolo CardNot offered
- How it works
- Oobit CardNot offeredKolo CardNot offered
- Separate deposit
- Oobit CardNot offeredKolo CardNot offered
- Use balance for spending
- Oobit CardNot offeredKolo CardNot offered
- Lock-up
- Oobit CardNot offeredKolo CardNot offered
Trust & availability
5 fields- Custody
- Oobit CardHybrid custodyKolo CardCustodial
- Control until payment
- Oobit CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Oobit CardNot disclosedKolo CardSumSub
- Programme operator
- Oobit CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Oobit Card16Kolo Card28
- Last reviewed
- Oobit CardAug 12, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 72 for Oobit Card. Kolo Card has the lower published FX fee (1% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 1%).
Oobit Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Oobit 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 6). 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 Oobit Card and Kolo Card reviews first.
Continue with
Oobit Card
Continue with
Kolo Card
05 · Common questions
Oobit vs Kolo FAQ
Is Oobit or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 72). 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, Oobit or Kolo?
Kolo Card has the lower published FX fee (1% vs 3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Oobit or Kolo?
Oobit Card has the higher published base cashback rate (5% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Kolo differ on custody?
Oobit 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 Oobit vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.