Rebind SASRebind
69
Side-by-side card comparison
Rebind vs Kolo: where the score gap comes from
Kolo Card has the higher Overall Score by 4 points (73 vs 69). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202663 official sources reviewed
01 · Where the gap opens
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Rebind Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallRebind69Kolo73Higher score
CashbackRebind32Kolo54Compare the details below
TravelRebind53Kolo70Compare the details below
Funds controlRebind88Kolo56Compare the details below
Lowest feesRebind67Kolo83Compare the details below
TransfersRebind41Kolo92Compare the details below
Choose Rebind Card if its day-to-day setup suits you
Rebind Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No added FX markup
- Free virtual Visa
- A separate self-custodial balance
Choose Kolo Card if its day-to-day setup suits you
Kolo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Rebind69Kolo73
Kolo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- RebindNot verified plan · No added Gnosis FX fee; Visa rate applies FXKolo$0 plan · 1% FX
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 1%).
- Purchase rewards
- RebindNot disclosedKolo1% base · up to 2%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- RebindNon-custodial accountKoloCustodial balance
Rebind Card uses a non-custodial account 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
- RebindVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Rebind1 stablecoin · Not modeledKolo5 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 1).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- No added Gnosis FX fee; Visa rate applies
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsRebind CardOverall69Kolo CardOverall73
Rebind CardOverall69Kolo CardOverall73Scores
6 fields- Overall Score
- Rebind Card69Kolo Card73
- Cashback score
- Rebind Card32Kolo Card54
- Travel score
- Rebind Card53Kolo Card70
- Funds control score
- Rebind Card88Kolo Card56
- Lowest fees score
- Rebind Card67Kolo Card83
- Transfers score
- Rebind Card41Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Rebind CardNo added FX markup, Free virtual VisaKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Rebind CardCashback eligibility needs confirmation, EU access restrictionsKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Rebind CardNot disclosedKolo Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesKolo Card1%
- Top-up fee
- Rebind Card0%Kolo Card0%
- Card spending fee
- Rebind Card0%Kolo CardNot disclosed
- ATM fee
- Rebind CardNot disclosedKolo Card$1 + 0.65%
- Virtual card
- Rebind CardFreeKolo CardFree
- Physical card
- Rebind CardNot offered through native Rebind issuance yetKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Rebind CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Rebind CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Rebind CardVisaKolo CardVisa
- Card formats
- Rebind CardVirtualKolo CardVirtual
- ATM withdrawals
- Rebind CardNot disclosedKolo CardAvailable
- Mobile wallets
- Rebind CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Rebind CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchaseKolo Card$9,000/day
- Monthly spending limit
- Rebind CardMonthly spending limit unclearKolo Card$9,000/month
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Rebind CardGnosisKolo CardNot disclosed
- Crypto deposits
- Rebind CardStablecoins: EUReKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Rebind CardNot disclosedKolo CardNot disclosed
- Transfers
- Rebind CardNot disclosedKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Rebind CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Rebind CardNot disclosedKolo Card1%
- Max cashback
- Rebind CardNot disclosedKolo Card2%
- Reward currency
- Rebind CardNot disclosedKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Rebind CardUp to 8% APYKolo CardNot offered
- How it works
- Rebind CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Rebind CardYesKolo CardNot offered
- Use balance for spending
- Rebind CardNoKolo CardNot offered
- Lock-up
- Rebind CardNoKolo CardNot offered
Trust & availability
7 fields- Custody
- Rebind CardNon-custodialKolo CardCustodial
- Control until payment
- Rebind CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Rebind CardUAB MonavateKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Rebind CardGnosis PayKolo CardNot disclosed
- Deposits & withdrawals
- Rebind CardMoneriumKolo CardNot disclosed
- Identity verification
- Rebind CardNot disclosedKolo CardSumSub
- Programme operator
- Rebind CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Rebind Card35Kolo Card28
- Last reviewed
- Rebind CardSep 5, 2026Kolo CardAug 28, 2026
04 · The verdict
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 69 for Rebind Card. Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Rebind Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Rebind Card uses a non-custodial account 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 1). 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 Rebind Card and Kolo Card reviews first.
Continue with
Rebind Card
Continue with
Kolo Card
05 · Common questions
Rebind vs Kolo FAQ
Is Rebind or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 69). 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, Rebind or Kolo?
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa 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, Rebind or Kolo?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Rebind and Kolo differ on custody?
Rebind Card uses a non-custodial account 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 Rebind vs Kolo comparison?
The latest information check for these two cards was September 5, 2026, using 63 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.