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debit Card•Referral Bonus•
COCA Visa Card
by COCA
The COCA Visa Card is a non-custodial, MPC-secured debit card that allows users to spend stablecoins directly from their wallet with 0% FX fees. It bridges DeFi and traditional finance by offering up to 5% APY on USD banking balances (EUR does not earn APY), up to 8% cashback, and lifestyle perks without locking funds in custodial accounts.
Referral Bonus
$10
COCA VISA CARD
COCA
Cashback
Up to 8%
Annual Fee
Free
FX Fee
None
Staking
None
8%
Max Cashback
Paid in USDC, EURC
$0
Annual Fee
3
Premium Perks
Available Regions
Unique Features
- MPC Wallet Architecture: Eliminates seed phrase vulnerability while maintaining non-custodial control.
- Dynamic Tiers: Starter, Standard, Standard+, Premium, Premium+, Elite. Thresholds 0 / 300 / 1,000 / 3,000 / 10,000 / 30,000.
- Dual Reward System: Earns up to 5% APY on USD banking balances and cashback simultaneously.
Pros
- True non-custodial (MPC) ownership of funds.
- 0% Foreign Exchange (FX) fees and 0% Swap fees.
- Up to 5% APY on USD banking balance (tier cap, then 2%; EUR does not earn APY).
- Up to 8% cashback in stablecoins (e.g. USDC, EURC).
- No monthly fees. Physical card $5 on Starter / Standard / Standard+; free on Premium / Premium+ / Elite.
Cons
- ATM free withdrawal $250/month, then 2%.
- Higher cashback tiers require holding volatile $COCA tokens.
- Rewards can only be claimed up to a Monthly Claim Capacity ($15 Starter to $350 Elite); unclaimed rewards expire 12 months after becoming claimable
Integrations & Tech
IBAN Support
iOS App
Android App
Debit Mode
Credit Mode
IBAN: Personal IBAN live (SEPA EUR; USD where available).
AvailableExcludedUnknown
Available In (73)
AndorraArgentinaAustraliaAustriaAzerbaijanBelgium
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
Issuance$5
ShippingFree
ReplacementFree
Tier Comparison
Starter
1% CashbackStake Required
Free
Issuance Fee
$5
Replacement Fee
$5
FX Fee
0% FX
ATM Fee
2%
Tier Perks
•Subscriptions(None)
•Cards(Virtual free. Plastic $5.)
•APY(5% on first $5,000 USD banking balance, then 2%. EUR does not earn APY.)
•Support(Basic)
•COCA Travel(COCA Travel hotel deals up to 50%)
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance Fee$5
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Free Withdrawal Limit$250/monthly
Fee After Limit2%
Detailed Fee Structure
FX Fee0%
Detailed Limits
Spending Limits€30,000/month
Monthly
30,000 EUR
ATM LimitsFree: $250/monthly; $250/month
250 USD free per monthly
Monthly Amount
250 USD
Fee Details
0% FX fees on Direct Pairs and 0% crypto swap fees. Physical card issuance $5 for Starter / Standard / Standard+; free for Premium / Premium+ / Elite. Virtual card free. ATM free withdrawals up to $250/month, then 2%.
Limits & Conditions
ATM free withdrawal $250/month then 2%. Max ATM 850 EUR/day, 5,000 EUR/month, 5 tx/day. Spending limit €30,000/month (also per transaction and per day).
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeMPC
InfrastructureWirex (Card Issuer)
Supported Assets
Chains
Ethereum
BNB Chain
Polygon
Avalanche
Arbitrum
Base
Stellar
Optimism
Tokens
USDC
USDT
EURC
EURS
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
Subscription Rebates50% off 1 subscription per unlocked category per month, $70 cap. Standard: Streaming only. ChatGPT from Standard+. Spotify from Premium+. Amazon Prime from Elite.
Travel SavingsUp to 50% discount on hotel bookings via COCA Travel.
YieldUp to 5% APY on USD banking balance (tier cap, then 2%; EUR does not earn APY).
Rewards Program DetailsCOCA Tier System T&C (last updated 1 Sep 2026): cashback has no spend cap at the tier rate: Starter 1%, Standard 3%, Standard+ 4%, Premium 5%, Premium+ 6%, Elite 8% (stake 0 / 300 / 1,000 / 3,000 / 10,000 / 30,000 $COCA, locked; cancelling a tier returns the stake and starts a 30-day cooldown). What you can claim is limited by a Monthly Claim Capacity (Tier Bonus + COCA staked/100): Starter $15, Standard $25, Standard+ $35, Premium $60, Premium+ $140, Elite $350 per month; unclaimed rewards carry over. Rewards are pending for 14 calendar days, then claimed manually into a USD or EUR account (1 claim per 24 h, $1 minimum); unclaimed rewards expire 12 months after becoming claimable. Paid in stablecoins (e.g. USDC, EURC). Yield (COCA Tier T&C §4.1, which governs over the summary table's '5% unlimited'): 5% APY on the USD banking balance up to the tier cap, and 2% APY above the cap; APY is variable; EUR balances do not earn APY. Subscriptions: 50% off 1 subscription per unlocked category per month, $70 cap. Standard: Streaming only. ChatGPT from Standard+. Spotify from Premium+. Amazon Prime from Elite.
Referral Bonus
$10
Payout Frequency
14-day pending period, then manual claim (1 per 24 h, min $1) up to the Monthly Claim Capacity
Exclusions
ATM withdrawals, cash advances, quasi-cash (including PayPal/Alipay-style), crypto purchases, gambling, government/judicial payments, refunds/chargebacks, professional services and timeshares, and listed excluded MCCs. PayPal/Alipay-style and similar where the underlying merchant is not identifiable are ineligible.
