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Image source Source coca.xyz Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by COCA

COCA Visa Card

Requires KYC Private Virtual Physical

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Image source Source docs.coca.xyz Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score good of 100

How it is made up ↓Methodology →

To COCA

Basicscoca-visa-card

Card form
debit Two sources, two values Showndebit docs.coca.xyzchecked 29 Oct 2026 The COCA Card is a modern debit card, making it easy to spend your money in everyday situations. Differingprepaid coca.xyzfetched 29 Oct 2026 The Physical Card and Virtual Cards powered by Coca Wallet are a prepaid Mastercard issued by Wirex Limited (in the UK), a principal member of Mastercard or UAB Wirex (in the EEA). The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card types
virtual, physical Source and check Source coca.xyz Wording at the source COCA Wallet offers both physical and virtual cards allowing you to spend your stablecoins and fiat at over 100 million merchants across 200+ countries. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Visa Two sources, two values ShownVisa docs.coca.xyzchecked 29 Oct 2026 Your COCA card lets you spend money anywhere Visa is accepted – online, in-store, and for subscriptions. DifferingMastercard coca.xyzfetched 29 Oct 2026 The Physical Card and Virtual Cards powered by Coca Wallet are a prepaid Mastercard issued by Wirex Limited (in the UK), a principal member of Mastercard or UAB Wirex (in the EEA). Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Custody
smart wallet Source and check Source docs.coca.xyz Wording at the source In COCA your 'Banking Account' is actually a blockchain smart wallet that you control. COCA provides the bank-like interface (app, card, support, compliance rails), but the funds are not under our con... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
fiat balance Two sources, two values Shownfiat balance help.coca.xyzchecked 29 Oct 2026 Once funds are credited to the banking account, they are normalised into a spendable balance. This balance is universally available for card payments, bank transfers, real-time interest accrual, and o... Differingconverted on spend coca.xyzfetched 29 Oct 2026 Your crypto will be automatically converted to fiat at the time purchase. Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card currencies
EUR, USD Source and check Source help.coca.xyz Wording at the source COCA provides a unified banking balance within personal, self-custodial USD and EUR accounts. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal Source and check Source help.coca.xyz Wording at the source For users utilising COCA version 3.0 and above, the account architecture transitions to a unified banking balance within your personal, self-controlled USD and EUR accounts. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
account tier Source and check Source help.coca.xyz Wording at the source Important details: Elite members can request a higher card spending limit. Go to Card Details → Visa Card Limits → Increase Limit, submit your request, and our team will review it for approval. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Source and check Source docs.coca.xyz Wording at the source Add your COCA Card to Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source docs.coca.xyz Wording at the source ATM Cash Withdrawal Limits Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source help.coca.xyz Wording at the source Swipe, insert, or tap your way through smooth transactions at countless locations worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Fees and cashback

AttributeValue
Fees
Virtual card issuance 0.00 USD Source and check Source docs.coca.xyz Wording at the source COCA Virtual Card is free for all tiers. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance unknown
Shipping unknown
Monthly fee 0.00 USD Source and check Source help.coca.xyz Wording at the source Global Accessibility and Zero Fees: The wallet offers fee-free transactions, including ATM withdrawals up to $250 globally, and eliminates monthly and foreign exchange charges, enhancing financial fre... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee 0.00 USD Source and check Source docs.coca.xyz Wording at the source Zero Annual Fees Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee unknown
Crypto deposit fee
  • top-up via crypto: free Source and check Source help.coca.xyz Wording at the source When you use COCA Wallet, you can rest assured that we do not charge any additional fees for our services. The only cost you incur is the network fee, which is required to process transactions on the... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ amount_100: 0.00 EUR
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee 0 % Source and check Source help.coca.xyz Wording at the source Global Accessibility and Zero Fees: The wallet offers fee-free transactions, including ATM withdrawals up to $250 globally, and eliminates monthly and foreign exchange charges, enhancing financial fre... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee 250.00 USD free per calendar month, then 2 % Source and check Source docs.coca.xyz Wording at the source Free ATM withdrawals worldwide Up to $250, 2% thereafter Monthly Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 0.00 USD
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee 0.00 USD Source and check Source coca.xyz Wording at the source | Inactivity fee | None | None | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement free Source and check Source coca.xyz Wording at the source | Card replacement fee | None | $5.00 per card | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ replacement_1: 0.00 USD ↳ replacement_2: 0.00 USD
Plan waivers unknown
Cashback & rewards
Cashback 1 % Two sources, two values Shown– help.coca.xyzchecked 29 Oct 2026 | Tier | Base $COCA Staked | Approx. Stake Value (USD) | Cashback | Subscription Rebate (50%) | Card Order Fee | Base Claim Capacity* | Balance APY** | Support | |---|---|---|---|---|---|---|---|---|... Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? History What does [s] mean? 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

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID + proof of address

    ID and a recent proof of address

    1. Complete Verification at COCA

      review time up to 20 minutes

      Source and check Source help.coca.xyz Wording at the source What You'll Need for Verification: - A valid government-issued document (passport, ID card, or driver's license). - Proof of address, such as: - Bank-issued documents (statements, notifications,... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: ID document, Proof of address

LimitsValue
Spending per day 30,000 EUR Source and check Source help.coca.xyz Wording at the source | Max purchase amount per day | 30,000 EUR | Daily | Checked Verified Value wrong? No earlier versions What does [s] mean?
Spending per day (number) no limit Source and check Source help.coca.xyz Wording at the source | Max purchase count per day | Unlimited for Visa cards | Unlimited for Visa cards | Checked Verified Value wrong? No earlier versions What does [s] mean?
Spending per month 30,000 EUR Source and check Source help.coca.xyz Wording at the source | Max purchase amount per month | 30,000 EUR | Monthly | Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per day 850 EUR Source and check Source help.coca.xyz Wording at the source | Max cash withdrawal amount per day | 850 EUR | Daily | Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per day (number) 5× Source and check Source help.coca.xyz Wording at the source | Max cash withdrawal count per day | 5 transactions | Daily | Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per month 5,000 EUR Source and check Source help.coca.xyz Wording at the source | Max cash withdrawal amount per month | 5,000 EUR | Monthly | Checked Verified Value wrong? No earlier versions What does [s] mean?
Single payment per transaction 30,000 EUR Source and check Source help.coca.xyz Wording at the source | Max purchase amount per transaction | 30,000 EUR | Per transaction | Checked Verified Value wrong? No earlier versions What does [s] mean?

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

Account tiers (VIP, loyalty)

Account tiers change limits or perks, not the documents.

  • Starter: Default tier for all new users; no COCA staking required Source and check Source help.coca.xyz Wording at the source | Starter | 0 | $0 | 1% unlimited | None | Virtual free, Plastic $5 | $15 / mo | 5% unlimited | Basic | Checked Verified Value wrong? History What does [s] mean?
  • Standard: Stake 300 COCA Source and check Source help.coca.xyz Wording at the source | Standard | 300 | ~$470 | 3% unlimited | 1 category (see section 3.3) | Virtual free, Plastic $5 | $25 / mo ($22 Tier + $3 Stake) | 5% unlimited | Basic | Checked Verified Value wrong? History What does [s] mean?
  • Standard+: Stake 1,000 COCA Source and check Source help.coca.xyz Wording at the source | Standard+ | 1,000 | ~$1,500 | 4% unlimited | 2 categories (see section 3.3) | Virtual free, Plastic $5 | $35 / mo ($25 Tier + $10 Stake) | 5% unlimited | Basic | Checked Verified Value wrong? History What does [s] mean?
  • Premium: Stake 3,000 COCA Source and check Source help.coca.xyz Wording at the source | Premium | 3,000 | ~$4,700 | 5% unlimited | 2 categories (see section 3.3) | Virtual free, Plastic free | $60 / mo ($30 Tier + $30 Stake) | 5% unlimited | Priority | Checked Verified Value wrong? History What does [s] mean?
  • Premium+: Stake 10,000 COCA Source and check Source help.coca.xyz Wording at the source | Premium+ | 10,000 | ~$15,000 | 6% unlimited | 3 categories (see section 3.3) | Virtual free, Plastic free | $140 / mo ($40 Tier + $100 Stake) | 5% unlimited | Priority | Checked Verified Value wrong? History What does [s] mean?
  • Elite: Stake 30,000 COCA Source and check Source help.coca.xyz Wording at the source | Elite | 30,000 | ~$47,000 | 8% unlimited | 4 categories (see section 3.3) | Virtual free, Plastic free | $350 / mo ($50 Tier + $300 Stake) | 5% unlimited | Priority | Checked Verified Value wrong? History What does [s] mean?
  • Elite: Stake 30,000 COCA tokens. Source and check Source help.coca.xyz Wording at the source | Elite | 30,000 | ~$47,000 | 8% unlimited | 4 categories (see section 3.3) | Virtual free, Plastic free | $350 / mo ($50 Tier + $300 Stake) | 5% unlimited | Priority | Checked Verified Value wrong? History What does [s] mean?

KYC: ID + proof of address COCA states that it does not offer a KYC-free card.

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in
  • by residence: Available in 73 countries and regions Source and check Source help.coca.xyz Wording at the source The COCA card and its associated rewards are available to residents of the following countries (regardless of nationality): - Europe: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Repub... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Residency requirement Cardholder must reside in a supported country; eligibility is based on residence regardless of nationality. Source and check Source help.coca.xyz Wording at the source The COCA card and its associated rewards are available to residents of the following countries (regardless of nationality): Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (73) not available (177) unknown

Crypto

AttributeValue
Supported assets USDT, USDC, EURC, EURS Source and check Source help.coca.xyz Wording at the source Accepted Stablecoins and Blockchains: - USDT (Tether) Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana, Tron - USDC (USD Coin) Ethereum, BNB Smart Chain, Avalanch... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Number of supported assets unknown
Top-up networks Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near Source and check Source help.coca.xyz Wording at the source Accepted Stablecoins and Blockchains: - USDT (Tether) Ethereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near, Aurora, Solana, Tron - USDC (USD Coin) Ethereum, BNB Smart Chain, Avalanch... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Spending order unknown
Fiat top-up Yes Source and check Source help.coca.xyz Wording at the source Bank transfer: You can also top up your account via bank transfer. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

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.
    How:
    invite link, code, in the app
    all cards of COCA
    Source and check Source help.coca.xyz Wording at the source • Referrer Bonus: Earn $20 for each successfully referred friend. Checked Verified What does [s] mean?
  • 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.
    How:
    invite link, code
    all cards of COCA
    Source and check Source help.coca.xyz Wording at the source • Friend Bonus: Each friend receives $10 upon successful completion of all qualifying steps. Checked Verified What does [s] mean?

Trust

AttributeValue
Issuer / BIN sponsor unknown
Program manager unknown
Headquarters unknown
Support channels email Source and check Source coca.xyz Wording at the source Need assistance with your COCA account or services? Our support team is ready to help at <[email protected]> Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Company

Headquarters United Arab Emirates Source and check Source coca.xyz Wording at the source registered address of Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates Checked Verified
Registered address Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates Source and check Source coca.xyz Wording at the source registered address of Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates Checked Verified

Transparency

Transparency 50 %

0 of 16 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

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

How the score is made up

66.67 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.

Methodology and weights
  1. CostsWeight 25 %
    100/100
    25.0 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    18/100
    3.5 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    91/100
    13.7 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    48/100
    4.8 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    67/100
    6.7 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    80/100
    8.0 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % not scored
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 50
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

News

Recent news about COCA from the press and the provider's own channels, rated automatically. · last 90 days: 1 positive, 1 neutral, 0 negative

  1. coca.xyz Positive Partnership
    COCA x Stablerail: Stablecoins for Businesses and People

    Assessment: COCA and Stablerail announced a stablecoin partnership, but the snippet gives no concrete card-term changes.

  2. coca.xyz Neutral
    COCA Monthly Update: September 2026

    Assessment: 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.

Early warning

Alerts for this card

We tell you what changes at COCA Visa Card and COCA, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • New: Referral bonus · Invited friend.

  • New: Referral bonus · You (referrer).

  • Headquarters: United Arab Emirates.

  • Changes to limits.

  • Score changed from 54.38 to 66.67.

  • Changes to reward programmes.

  • Score changed from 53.71 to 54.38.

  • Changes to KYC levels and requirements.

  • Score changed from 52.88 to 53.71.

  • Changes to limits.

  • Score changed from 60.67 to 52.88.

  • Changes to KYC levels and requirements.

  • Score changed from 64.3 to 60.67.

  • New card image.

  • New logo.

  • Changes to licences.

  • Company name changed from CCA LABS - FZCO to COCA.

Apply for COCA Visa Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To COCA