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Kolo / Card review

Virtual Visa debit card

Kolo Card

Spend crypto and earn Bitcoin rewards with Kolo’s EUR card.

Check regional terms
Official siteRequirements & steps
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Brand representative · tier/region design may differ

Before you apply

Selected tier / planEUR card · ongoing rateKolo Card

Select where you live, not your travel destination.

Check regional terms

Choose your residence first

Important to check

  • Check 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.

Documents & application →

Features & benefits

Fund crypto spending and collect advertised Bitcoin rewards.

Rewards · first band
Advertised 2% BTC
Spending preferences
Spend funded crypto
Custody model
Custody needs verification

Read the conditions behind the figures · Fees & benefit conditions ↓

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.
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
How the card works
  • Apple Pay and Google Pay supported.
  • Card currency and issuance depend on residency and verification.

Fees & benefit conditions

Card issuance fee
Check current card tariff
Maintenance / subscription
Check current card tariff
Foreign-currency fee
Check final card exchange rate

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.

Documents & application

Documents to prepare

Check accepted ID and any address evidence in the application for your residence and program.

Steps on the official site or app

  1. Create an account in the official Kolo app and check the residence and card currency shown in the card application.
  2. Submit the Sumsub identity verification required for card activation.
  3. Fund using the exact asset, network and address displayed on the deposit screen.
  4. Add the card to Apple Pay or Google Pay and check the conversion rate used when spending.
Official siteOfficial help and support

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.

Full details & support

Full details

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
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.
Official help and support ↗
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.

An alternative to compare
PlasBit Virtual Euro ↗

Choose an explicit EUR card when euro billing matters more than BTC rewards.

Check regional terms
Compare both cards →

Official documentation & sources

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 ↗
PlasBit EUR and USD card tariffs ↗

Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026

Official siteRequirements & steps