Kolo Card
Kolo
- Cashback
- 2%in BTC
- Monthly fee
- Not published on the official site
- FX / conversion
- 0% — exchange-level rates with 0% markup on USDT/USDC/EURC; crypto auto-converted to the local currency at payment for no extra fee
- Issuance
- Not published on the official site
- Card type
- virtual
Eligibility & KYC — who can get it
✓ Open to most nationalitiesNot issued to residents / citizens of:
Official Terms of Use (clause 22.2.1): use is prohibited for nationals/residents of Cuba, Iran, North Korea, Sudan, Syria 'or any other country subject to United States embargo, UN sanctions, the European Union's, or HM Treasury's financial sanctions regimes' — Russia falls under the EU/UK sanctions regimes.
Issuer’s markets: Spend in 60+ countries (Europe, UAE and UK highlighted); usable anywhere in the world Apple Pay or Google Pay is accepted.
Where you can pay
✓ Worldwide — anywhere Visa/Mastercard or Apple Pay/Google Pay is acceptedOfficial homepage/FAQ: "You can use the Kolo Card to make payments anywhere in the world, as long as Google Pay or Apple Pay is accepted" and "Kolo is never declined wherever Visa or Mastercard is accepted — online, in-store, in-app, everywhere".
Cashback details
2% cashback in BTC on every card payment (marketed as 'the biggest BTC cashback').
Spend from
BTC, ETH, USDC and any crypto you hold; top up with BTC, ETH, LTC, USDT and more; non-custodial multi-chain (7 networks) USDT wallet; auto crypto-to-local-currency conversion at payment.
Verification procedure
Required — activate the card with a ~1-minute Sumsub-powered KYC; every transaction is AML-screened.
AI subscriptions
Visa card works for online subscriptions via Apple Pay/Google Pay.
Good to know
Non-custodial multi-chain (7 networks) USDT wallet + Visa card; spend stablecoins 'like fiat' with auto conversion at payment. Apple Pay & Google Pay; SEPA bank payouts (Revolut/Wise/N26). 2% BTC cashback on all purchases + 40% referral commission share. MiCA-ready, Travel Rule aligned, real-time AML/fraud shield. Claims 10M+ users.
Referral program
referrer-only program
Conditions: 'Kolo Friends' referral program: invite friends from the Kolo app and earn 40% of every commission they pay. Referrals are managed in-app; kolo.xyz is the official site.
Claim bonus ↗
