Kolo Card
Card currency USD, EUR
- Custody
- Self-custody
- Network
- Visa
- Card types
- Virtual only
- Card product
- Debit
- Wallets
- Apple Pay, Google Pay
Partly verified · 9 of 11 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Kolo Card is a virtual crypto card. It is a debit card. Payments run on the Visa network. The card currencies are USD, EUR.
Funding and spending
You keep your keys, and the card spends from your own wallet. It is funded with crypto. You can top it up by crypto and debit or credit card. You can reload it after the first load. It can be funded with 5 assets: DAI, EURC, USDC, USDT and EURI. Top-ups are accepted on the Ethereum network.
Fees
It has no card issuance fee. It has no monthly fee. The crypto conversion spread is 1%. It has no top-up fee. The ATM withdrawal fee is USD 1 + 0.65%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee and foreign currency fee yet.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: USD 9,000 to USD 500,000, depending on tier. Monthly spending limit: USD 9,000 to USD 500,000, depending on tier. Maximum per payment: EUR 30,000. It pays 1% to 2% back on card spend, depending on tier. Rewards are paid in BTC. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How we check
We last checked this card on 15 Oct 2026, against 10 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 | Business | Personal | first 30 days |
|---|---|---|---|
| Daily spend | USD 500,000 | USD 9,000 | Not verified |
| Monthly spend | USD 500,000 | USD 9,000 | Not verified |
| Back on card spend | Not verified | Not verified | 2% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Kolo Card
Pros
- No monthly fee
- No card issuance fee
- 1% back, up to 2% on higher tiers
- Self-custody: you keep control of your funds
- Top up with 5 different crypto assets
- Works with Apple Pay and Google Pay
Who it suits
- People who want to keep control of their own keys
- People who want cashback on everyday spending
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 from the crypto balance in the Kolo wallet, converted to the card currency at payment (for example USDT, USDC or BTC).
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Virtual card only: nothing is shipped.
Rules the issuer states
- Your Kolo Card works anywhere Visa is accepted worldwide, with a few exceptions due to international sanctions.Verified 22 Oct 2026source
No country matches your search.
Frequently asked questions about Kolo Card
Is Kolo Card a virtual or a physical card?
Kolo Card is a virtual card only.
Can I withdraw cash from an ATM with Kolo Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is USD 1 + 0.65%.
Does Kolo Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up Kolo Card?
You can top it up by crypto and debit or credit card. Kolo Card has no top-up fee.
Does Kolo Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Kolo Card?
It can be funded with 5 assets: DAI, EURC, USDC, USDT and EURI. Top-ups are accepted on the Ethereum network.
Does Kolo Card pay cashback?
Yes. It pays 1% to 2% back on card spend, depending on tier. Rewards are paid in BTC.
What are the spending and ATM limits of Kolo Card?
Daily spending limit: USD 9,000 to USD 500,000, depending on tier. Monthly spending limit: USD 9,000 to USD 500,000, depending on tier. Maximum per payment: EUR 30,000.
Sources
- Fees pageFees pricinghelp.kolo.xyzChecked 08 Oct 2026
- Fees pageSpending and transaction limitshelp.kolo.xyzChecked 15 Oct 2026
- Supported countriesIn which countries can i use my kolo cardhelp.kolo.xyzChecked 02 Oct 2026
- Supported countriesCountrieskolo.xyz
- Rewards termsCashback programhelp.kolo.xyzChecked 15 Oct 2026
- Other official pageCard overviewhelp.kolo.xyzChecked 15 Oct 2026
- Fees pageCash withdrawalhelp.kolo.xyzChecked 15 Oct 2026
- Other official pageAdd your kolo card to apple pay google pay and morehelp.kolo.xyz
- Other official pageVisa eur 442601 card limits and restrictionshelp.kolo.xyzChecked 15 Oct 2026
- Other official pagePersonal card activationhelp.kolo.xyzChecked 15 Oct 2026
- Other official pageHow to top up your balance in kolohelp.kolo.xyzChecked 07 Oct 2026
- Other official pageYour kolo wallet how it workshelp.kolo.xyzChecked 03 Oct 2026
- Other official pageWhat is the legal structure of kolohelp.kolo.xyz