# COCA Visa Card

by COCA · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [coca.xyz](https://www.coca.xyz)

## Facts

- COCA Visa Card is a Visa debit card from COCA.
- COCA Visa Card has no monthly fee.
- COCA Visa Card has no annual fee.
- A virtual version costs 0.00 USD.
- Payments in foreign currencies cost 0 %.
- ATM withdrawals cost 250.00 USD free per calendar month, then 2 %.
- It works with Apple Pay, Google Pay.
- Base cashback is 1 %.
- Custody: smart wallet.
- Supported assets: USDT, USDC, EURC, EURS.
- Top-up networks: Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | smart wallet |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | fiat balance |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | EUR, USD |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | account tier |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | unknown |  |  |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | 0.00 USD |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee | unknown |  |  |
| ↳ top-up via card | only in the app |  | coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| ↳ top-up via crypto | free |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | 250.00 USD free per calendar month, then 2 % |  | docs.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | 0.00 USD |  | coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | free |  | coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 1 % (holding from 0); 3 % (holding from 300); 4 % (holding from 1,000); 5 % (holding from 3,000); 6 % (holding from 10,000); 8 % (holding from 30,000) · in USDC |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID + proof of address

### ID + proof of address

- Complete Verification at COCA — Requires: ID document, Proof of address — help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 30,000 EUR |
| Spending per day (number) | no limit |
| Spending per month | 30,000 EUR |
| ATM per day | 850 EUR |
| ATM per day (number) | 5× |
| ATM per month | 5,000 EUR |
| Single payment per transaction | 30,000 EUR |

Values for the entry account tier Starter; ↑ shows a higher limit from a higher account tier.

### Account tiers (VIP, loyalty)

- Starter: Default tier for all new users; no COCA staking required
- Standard: Stake 300 COCA
- Standard+: Stake 1,000 COCA
- Premium: Stake 3,000 COCA
- Premium+: Stake 10,000 COCA
- Elite: Stake 30,000 COCA
- Elite: Stake 30,000 COCA tokens.

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Available in 73 countries and regions |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Cardholder must reside in a supported country; eligibility is based on residence regardless of nationality. |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | not available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | available |
| Nigeria | available |
| India | not available |
| United Arab Emirates | available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | USDT, USDC, EURC, EURS |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | Yes |  | help.coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Bonuses and promotions

What COCA offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

- Referral bonus · You (referrer): 20 USD · Conditions: order a card, spend 100 USD within 30 days, Referrer must be KYC-verified. The friend must be new to COCA and, within 30 days of registering, order a COCA card and spend at least $100 across at least 3 payments at different merchants. Rewards can be claimed 14 days after crediting. · invite link, code, in the app — help.coca.xyz
- Referral bonus · Invited friend: 10 USD · Conditions: new customers only, order a card, spend 100 USD within 30 days, Friend must be completely new to COCA, sign up with a referral link/code and, within 30 days of registering, order a COCA card and spend at least $100 across at least 3 payments at different merchants. · invite link, code — help.coca.xyz

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | email |  | coca.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

### Company

- Headquarters: United Arab Emirates (Source: coca.xyz)
- Registered address: Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates (Source: coca.xyz)

### Transparency

- Transparency 49 %
- 1 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: no
- Terms with version or date: unknown
- Sources last checked 2026-10-29

## How the score is made up

66.64 of 100 · good. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 100 | 25.0 |
| KYC and privacy | 20 % | 18 | 3.5 |
| Features | 15 % | 91 | 13.7 |
| Availability | 10 % | 48 | 4.8 |
| Rewards | 10 % | 67 | 6.7 |
| Trust | 10 % | 80 | 8.0 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about COCA from the press and the provider's own channels, rated automatically.

- 22 Oct 2026: [COCA x Stablerail: Stablecoins for Businesses and People](https://www.coca.xyz/post/coca-x-stablerail-stablecoins-for-businesses-and-people) (coca.xyz) — Positive. COCA and Stablerail announced a stablecoin partnership, but the snippet gives no concrete card-term changes.
- 8 Oct 2026: [COCA Monthly Update: September 2026](https://www.coca.xyz/post/coca-monthly-update-september-2026) (coca.xyz) — Neutral. COCA monthly update reports record card spending and a loyalty programme update, but the snippet gives no concrete change to card terms.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 29 Oct 2026: Score changed from 66.67 to 66.64.
- 29 Oct 2026: New: Referral bonus · Invited friend.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: Headquarters: United Arab Emirates.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 54.38 to 66.67.
- 29 Oct 2026: Changes to reward programmes.
- 29 Oct 2026: Score changed from 53.71 to 54.38.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 52.88 to 53.71.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 60.67 to 52.88.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 64.3 to 60.67.
- 29 Oct 2026: New card image.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Company name changed from CCA LABS - FZCO to COCA.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/coca-visa-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/coca-visa-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/coca-visa-card/