Quick Summary
Key Features
- 0% markup on USDT, USDC and EURC spends; ~0.3-1% effective spread on BTC/ETH/SOL
- 2% BTC cashback first 30 days, then 1% ongoing (capped $100/mo, $1/tx); 5% welcome promo for newcomers
- USD and EUR settlement cards — Euro-zone spenders avoid a USD round-trip
- Instant crypto swaps at low fees right in the wallet
Main Advantages
- 2.0% cashback on eligible spend
- Free virtual card issuance
- Multi-region availability (6 regions)
- Works with Apple Pay and Google Pay
Notable Limitations
- Terms change often — the provider's live numbers are final
The cards
Every format Kolo issues — pick the one that fits how you spend.
Kolo Virtual
1Can I get this card?
Supported Countries Map — powered by our availability data.
Kolo: Reported in 81 countries across 6 regions (United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Kolo card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Kolo |
|---|---|
| Issuance fee | $0 (10 USDC deposit to open, fully spendable) |
| Monthly fee | $0 |
| FX fee | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 2.0% cashback on eligible spend |
| Perks | 0% markup on USDT, USDC and EURC spends; ~0.3-1% effective spread on BTC/ETH/SOL |
| Rewards | 2% BTC cashback first 30 days, then 1% ongoing (capped $100/mo, $1/tx); 5% welcome promo for newcomers |
| Perks | USD and EUR settlement cards — Euro-zone spenders avoid a USD round-trip |
| Mobile wallets | Instant crypto swaps at low fees right in the wallet |
| Mobile wallets | Up to $50,000/month spending; Apple Pay and Google Pay support |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: instant in-app crypto swap, stablecoin deposit, bank transfer |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Kolo |
|---|---|
| Virtual card issuance | $0 (10 USDC deposit to open, fully spendable) |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual |
| KYC | ID verification required |
| Top-up methods | instant in-app crypto swap, stablecoin deposit, bank transfer |
| Supported assets | USDT, USDC, DAI, EURC |
| Regions | United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America |
Rating breakdown
Pros & cons
Pros
- 0% markup on USDT, USDC and EURC spends; ~0.3-1% effective spread on BTC/ETH/SOL
- 2% BTC cashback first 30 days, then 1% ongoing (capped $100/mo, $1/tx); 5% welcome promo for newcomers
- USD and EUR settlement cards — Euro-zone spenders avoid a USD round-trip
- Instant crypto swaps at low fees right in the wallet
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Kolo virtual card cost?
The virtual card issuance fee is listed as $0 (10 USDC deposit to open, fully spendable). Virtual Visa issued free; 10 USDC deposit to create (not a fee — fully yours to spend). No monthly fees. ATM $1.00 + 0.65%. Fees change often — confirm in the app.
Which countries support Kolo?
Kolo is available in: United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America. USD card: 170+ countries; EUR card: 130+ countries. Global availability with full KYC/AML compliance. Found via cryptocards.so directory listing.
Does Kolo require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Kolo card with?
Supported top-up methods: instant in-app crypto swap, stablecoin deposit, bank transfer.
Our verdict
Kolo scores 8.6/10 in our rating system. Zero-markup stablecoin spending with real BTC cashback and instant in-app swaps — the low-fee Visa for 170+ countries.
Get the Kolo card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Kolo's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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