What is Kolo Card?
Kolo provides a virtual prepaid card optimized for global travelers and digital nomads, allowing direct spending of major cryptocurrencies and memecoins. It operates under a custodial model where users where users...
Kolo Card 
Earn 5% BTC cashback on every purchase. Zero annual fee. 170+ countries.
Status: Live
Issued by Kolo
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Card Overview
Custody Type
custodial
Card Type
Debit Card
Material
Virtual
KYC
Standard
Kolo provides a virtual prepaid card optimized for global travelers and digital nomads, allowing direct spending of major cryptocurrencies and memecoins. It operates under a custodial model where users where users exchange crypto for fiat balance to spend. 5% Cashback is a promotional rate for new users; standard sustainable rates are likely lower (~1-2%). Physical cards are not yet widely shipped.
Pros
5% BTC cashback on every purchase (2% standard, 5% welcome bonus)
Zero annual fee, monthly fee, and inactivity fee
0% FX markup on USDT, USDC, EURC stablecoin spending
Apple Pay and Google Pay with Visa Platinum global acceptance
Instant virtual card issuance after 1-minute KYC
Broad memecoin support (PEPE and others) via Memepay
Available in 170+ countries worldwide
Real-time crypto-to-fiat conversion at point of sale
Cons
Physical card not (yet) widely available
Fees hidden in crypto conversion spreads
Not available in the US
Custodial risk (funds held by issuer)
Issued by Third National via Raincards Ltd (UK). Operated by Hardline Holding Limited (Kazakhstan) and BURVIX SP. Z O. O. (Poland, effective Dec 31 2025). BIN: 45492406. Virtual card only – no physical card. Activation fee: 10 USDC (100% cashback, instantly returned as spendable balance). Card validity: 4 years. Available via iOS/Android app, Telegram mini-app, or my.kolo.in web portal. MiCA-ready, Travel Rule aligned, AML compliant. Spending limit up to $50,000/month (dynamic). Not available in the US or sanctioned jurisdictions.
Rewards & Staking
Max Cashback
5%
On eligible purchases
Reward Token
BTC
Paid out in BTC
Staking APY
N/A
On staked assets
Reward specifics
Boost Multiplier N/A
Monthly Cap $200/month ($5 per transaction cap)
Payout Frequency N/A
Welcome Bonus 5% BTC cashback welcome bonus for new users
Referral Bonus Multi-level referral program via Telegram bot or link
Bonus APR N/A
Bonus Token N/A
Staking & Requirements
Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance Free
Replacement N/A
Lifestyle & Perks
Not Offered
Airport Lounge
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Not Offered
Esim
Not Offered
Concierge Services
Not Offered
Golf Access
Not Offered
Fitness Membership
Not Offered
Exclusive Club
Not Offered
Exclusive Merch
Not Offered
Nft Drops
Not Offered
Crypto Token Deals
Fees & Limits
Fee Schedule
Fee Structure Forever Free
FX Fee 0% on USDT/USDC/EURC; ~0.3-1% on other crypto
ATM Withdrawal N/A (Virtual card only)
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee None
Top Up Fee Free
Liquidation Fee ~0.3-1% (crypto-to-fiat conversion spread)
Custody Fee None
Usage Limits & requirements
Daily Spend Limit NOT DISCLOSED
Monthly Spend Limit $50,000/month
ATM Withdrawal Limit N/A (Virtual card only)
Free ATM Limit N/A (Virtual card only)
Max Balance $50,000/month
Min Balance $10
Top Up Limits $10 minimum
Technical Features
Integrations
Contactless
Security
2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking
App & Usability
Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator
Advanced & Global
Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details
Crypto Capabilities
Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring
Banking & On-Ramp
Banking Features
Virtual Bank Account No
Account Type N/A
Direct Deposit No
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
AvailableFunding Options
Card Payment
On-Ramp Fees
Free (crypto deposit)
Fiat on-ramp via card payment. Off-ramp supports SEPA bank transfers to Revolut, Wise, N26, or any SEPA bank. Crypto top-ups supported on Ethereum, Polygon, Solana, Arbitrum, Optimism, BSC, and TRON networks.
Off Ramp
AvailableOff-Ramp Options
Bank Transfer
Stablecoin Offramp
Supported Stablecoins
USDT, USDC, EURC
Off-Ramp Fees
~0.3-1% (crypto-to-fiat conversion spread)
Operations & Support
Support Channels
Support Tier standard
Support Type Email
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
StandardEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required
Supported Countries of Residence
Available
Not available
187
countries
View country list (187 countries)
AfghanistanAlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where cardholders can reside to be eligible for this card
Serviceable Coverage Countries
Available
Not available
188
countries
View country list (188 countries)
AfghanistanAlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where the card can be used for transactions
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Frequently asked questions about Kolo Card
Direct answers to the questions people ask most before they compare or apply for this card.
What rewards does Kolo Card offer?
Kolo Card offers up to 5% cashback, rewards are paid in BTC, reward caps can reach $200/month ($5 per transaction cap), welcome bonus: 5% BTC cashback welcome bonus for new users.
What fees does Kolo Card charge?
Key charges include fee model: Forever Free, FX fee: 0% on USDT/USDC/EURC; ~0.3-1% on other crypto, ATM fee: N/A (Virtual card only).
Where is Kolo Card available?
Kolo Card is available in Afghanistan, Albania, and Algeria, plus 185 more markets, current status: Live.
Which assets can you spend with Kolo Card?
Kolo Card supports BTC, ETH, USDC, USDT, and EURC, plus 9 more assets for spending, supported chains include Ethereum, Polygon, Solana, and Arbitrum.
Kolo
Kolo is a crypto wallet and debit card platform enabling users to spend cryptocurrencies including memecoins at Visa/Mastercard merchants in 170+ countries. It offers 2% Bitcoin cashback, Apple Pay/Google Pay integration, support for 10+ cryptocurrencies across multiple blockchains, and a 1-minute KYC process.
Review the official legal details for Kolo Card on their website.
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