Kolo / Card review
Virtual Visa debit card
Kolo Card
Spend crypto and earn Bitcoin rewards with Kolo’s EUR card.

- Rewards · first band
- Advertised 2% BTC
- Foreign-currency fee
- Check final card exchange rate
- Card issuance fee
- Check current card tariff
- Maintenance / subscription
- Check current card tariff
Your selected card: before you apply.
Selected tier / planEUR card · ongoing rateKolo Card
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- Check current card tariff
Maintenance / subscription: Check current card tariff
Steps on the official site or app
- Create an account in the official Kolo app and check the residence and card currency shown in the card application.
- Submit the Sumsub identity verification required for card activation.
- Fund using the exact asset, network and address displayed on the deposit screen.
- Add the card to Apple Pay or Google Pay and check the conversion rate used when spending.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
Fund crypto spending and collect advertised Bitcoin rewards.
A good fit if
For stablecoin users who want mobile-wallet payments and BTC rewards, with card currency confirmed during application.
The tradeoff
The 2% headline and stablecoin markup claims do not settle card fees or reward conditions; check the chosen currency’s tariff.
Choose an explicit EUR card when euro billing matters more than BTC rewards.
Check regional termsFees & rewards
EUR card · ongoing rate
- Rewards · first band
- Advertised 2% BTC
- Foreign-currency fee
- Check final card exchange rate
- Card issuance fee
- Check current card tariff
- Maintenance / subscription
- Check current card tariff
Read the conditions behind the figures
The homepage advertises 2% BTC and 0% markups for selected stablecoins. Verify card currency, tariff and reward conditions in-app.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend funded crypto · USDT / USDC / EURC / BTC / ETH / LTC
Submit the Sumsub identity verification required for card activation.
Before you apply
Check regional termsCheck card issuance eligibility in your country of residence. Wallet self-custody does not establish control of funded card balances.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USDT · USDC · EURC · BTC · ETH · LTC
- Supported networks
- Official confirmation needed
- Balance / billing currency
- Official confirmation needed
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Official confirmation needed
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Official confirmation needed
Kolo describes 2FA and transaction AML screening. Official material mentions custodial and self-custody options, so funded-card self-custody is not established.
Official sources
Kolo official card and wallet page ↗New in Kolo: ATM withdrawals, EUR rewards, and more ↗
Meet the Kolo EUR card — one wallet, now in euros ↗
Kolo Terms of Use v3.0.0 ↗
Kolo countries page ↗
USDT Visa Card: Spend Crypto Like Cash in 2026 ↗
Official terms · 2026-09-08 ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026

