Kolo Card
by Kolo
Kolo provides a virtual Visa card optimized for global travelers and digital nomads, letting users spend crypto anywhere Visa is accepted. It uses a non-custodial MPC wallet model, so users keep control of their funds until the moment of spend. Cashback is 2% BTC for the first 30 days and 1% BTC afterwards, capped at $2/€2 per transaction during the 2% period, $1/€1 per transaction during the 1% period, and $100/€100 per month. Physical cards are not shipped.
Unique Features
- Visa Platinum
- Telegram-integrated wallet features
- Global acceptance via Apple/Google Pay
Pros
- 2% BTC cashback for first 30 days, then 1% BTC
- Instant virtual card issuance
- Broad support for major cryptocurrencies
- No monthly fees
Cons
- Physical cards not shipped yet (help still virtual only; planned Q3 2026)
- Published card-spend crypto conversion fee is 1%
- Not available in the US
- Visa FX surcharges apply when payment currency differs from card settlement
Integrations & Tech
Available In (1)
Not Available In (11)
Fee Structure
ATM Capabilities
Fee Details
Card-spend crypto conversion 1%. EUR card-to-card top-up 1% (EUR cards only). Crypto deposit 0%. Visa FX pass-through (Kolo does not earn FX): USD card BIN 454905 = Visa rate + 1% when payment ≠ USD; USD spend at non-US merchants +1% issuer fee on top of conversion. EUR card BIN 442601 = Visa rate + 0.55% (CHF/CZK/DKK/GIP/HUF/ISK/NOK/PLN/RON/SEK) / +1.35% other locals / +0.65% EUR-GBP. USD ATM via Apple/Google Pay (virtual): $1.00 + 0.65% per withdrawal, $500 max, 3 per rolling 24h, balance inquiry $0.60, declined $0.60. EUR ATM not live.
Crypto Capabilities
Security & Custody
Supported Assets
