# 0fiat Card vs. Kolo Card: fees, limits & KYC

- Fewest documents: 0fiat Card (No ID).
- Kolo Card has the best score (6.6).

## Basics

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| **Card form** | not applicable | debit |
| **Card types** | not applicable | virtual |
| **Card network** | not applicable | Visa |
| Custody | self-custody | self-custody |
| Funding model | converted on spend | converted on spend |
| **Card currencies** | not applicable | EUR, USD |
| **Usage** | not applicable | personal, business |
| Issuer / BIN sponsor | not applicable | unknown |
| **Limits depend on** | – | KYC level |
| **Cards per account** | not applicable | 3 |

## Availability

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| Supported assets | USDT, USDC | unknown |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Ethereum, Tron, BNB Smart Chain, Solana | Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Stellar, Litecoin |
| **Fiat top-up** | not applicable | No |

## Payments

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| **Mobile wallets** | not applicable | Apple Pay, Google Pay |
| **ATM withdrawals** | not applicable | Yes |
| **Contactless** | not applicable | Yes |

## Fees

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| Virtual card issuance | not applicable | unknown |
| Physical card issuance | not applicable | not applicable |
| Free cards | not applicable | unknown |
| Shipping | not applicable | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | not applicable | unknown |
| Top-up fee | not applicable | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | 0 % | 0 % |
| **Foreign currency fee** | 0 % above the market rate | 0 % |
| FX free allowance | not applicable | unknown |
| **Minimum FX fee** | not applicable | not published |
| **ATM fee** | not applicable | 0.65 % + 1.00 USD |
| **Transaction fee** | free | 1 % |
| Cross-border fee | not applicable | unknown |
| Withdrawal fee | not applicable | unknown |
| Activation fee | not applicable | unknown |
| **Account closure fee** | not applicable | not published |
| **Dispute fee** | not applicable | not published |
| Minimum top-up | not applicable | unknown |
| **Declined payment fee** | not applicable | 0.60 USD |
| Refund fee | not applicable | unknown |
| Inactivity fee | not applicable | unknown |
| **Minimum monthly spend** | not applicable | not published |
| Inactivity rule | not applicable | unknown |
| Card replacement | not applicable | unknown |

## Rewards

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| **Cashback** | not applicable | 1–2 % |
| Referral bonus (invited friend) | unknown | unknown |
| **Referral bonus (you)** | Rewards for inviting new users; amount not stated. | 40 % of fees |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | 0fiat Card | Kolo Card |
| --- | --- | --- |
| Limits (entry level) | no limits captured | ATM per transaction 500 USD · ATM per 24 hours (number) 3× |

- [0fiat Card](https://cryptocardss.com/en/0fiat-card.md)
- [Kolo Card](https://cryptocardss.com/en/kolo-card.md)

---

- **Canonical URL:** https://cryptocardss.com/en/compare/0fiat-card-vs-kolo-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/0fiat-card-vs-kolo-card/