COCA Card
- Custody
- Self-custody
- Network
- Visa
- Card types
- Virtual + physical
- Card product
- Debit
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Partly verified · 8 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
COCA Card is a crypto card that comes as a virtual and a physical card. It is a debit card. Payments run on the Visa network.
Funding and spending
You keep your keys, and the card spends from your own wallet. It can be funded with crypto or with fiat money. You can top it up by crypto, bank transfer and debit or credit card. You can reload it after the first load. Spends stablecoins and fiat from the user's COCA wallet; the issuer page does not list specific coins or chains.
Fees
The card issuance fee is free for the virtual card and USD 5 for the physical card. It has no annual fee. It has no foreign currency fee. The ATM withdrawal fee is 2%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the monthly fee, crypto conversion spread and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: EUR 30,000. Monthly spending limit: EUR 30,000. ATM withdrawal limit per day: EUR 850. ATM withdrawal limit per month: EUR 5,000. Maximum per payment: EUR 30,000. It pays 1% to 8% back on card spend, depending on tier. It works with Apple Pay and Google Pay.
Signing up
You can apply in 52 countries. That includes 35 in Europe, 8 in Asia and 6 in South America. You cannot apply in 17 countries. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 8 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Starter | Elite | Premium | Premium+ | Standard | Standard+ |
|---|---|---|---|---|---|---|
| Back on card spend | 1% | 8% | 5% | 6% | 3% | 4% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of COCA Card
Pros
- No annual fee
- No foreign exchange fee
- The virtual card is free to issue
- 1% back, up to 8% on higher tiers
- Self-custody: you keep control of your funds
- Spending limit of at least EUR 30,000 a month
Cons
- 4 of 12 key facts are not verified yet
Who it suits
- People who want to keep control of their own keys
- Frequent travellers, as there is no foreign exchange fee
- Heavy spenders, as the limits are high and the fees stay low
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
Limits
Rewards
Top-up assets and networks
Spends stablecoins and fiat from the user's COCA wallet; the issuer page does not list specific coins or chains.
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
No country matches your search.
No information for 178 countries yet
Frequently asked questions about COCA Card
Is COCA Card a virtual or a physical card?
COCA Card comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with COCA Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 2%.
How do I top up COCA Card?
You can top it up by crypto, bank transfer and debit or credit card.
Does COCA Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with COCA Card?
Spends stablecoins and fiat from the user's COCA wallet; the issuer page does not list specific coins or chains.
Does COCA Card have an annual fee?
No. COCA Card has no annual fee.
What does COCA Card charge on payments in a foreign currency?
COCA Card has no foreign currency fee. The conditions are listed in the fees table on this page.
Does COCA Card pay cashback?
Yes. It pays 1% to 8% back on card spend, depending on tier.
What are the spending and ATM limits of COCA Card?
Daily spending limit: EUR 30,000. Monthly spending limit: EUR 30,000. ATM withdrawal limit per day: EUR 850. ATM withdrawal limit per month: EUR 5,000. Maximum per payment: EUR 30,000.
In which countries can I apply for COCA Card?
You can apply in 52 countries. That includes 35 in Europe, 8 in Asia and 6 in South America. You cannot apply in 17 countries.
Sources
- Fees pageCoca carddocs.coca.xyzChecked 15 Oct 2026
- Supported countriesOverviewdocs.coca.xyzChecked 15 Oct 2026
- Rewards termsCashbackdocs.coca.xyzChecked 15 Oct 2026
- Other official pagewww.coca.xyzChecked 15 Oct 2026
- Other official pageWhere is my money stored and who controls itdocs.coca.xyzChecked 03 Oct 2026
- Cardholder termsTermscoca.xyzChecked 15 Oct 2026
- Rewards termsCard cashbackcoca.xyzChecked 15 Oct 2026
- Rewards termsMembership you deservedocs.coca.xyz
- Other official pageOverviewdocs.coca.xyzChecked 07 Oct 2026