Comparison
COCA Visa Card vs. ether.fi Cash Card: fees, limits & KYC
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docs.coca.xyz29 Oct 2026
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Source
docs.coca.xyz
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
COCA Visa CardCOCA
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
ether.fi Cash Cardether.fi
In short
- COCA Visa Card has the lowest foreign currency fee (0 %).
- ether.fi Cash Card ask for the least (ID document).
- ether.fi Cash Card has the higher score (71.08).
| Attribute |
COCA Visa CardCOCA
Requires KYC
Private
Virtual
Physical
|
ether.fi Cash Cardether.fi
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | good | good with variant Luxe: 60.7 with variant Pinnacle: 61.19 with variant VIP: 74.16 |
| CostsWeight 25 % | 100 | 90 |
| KYC and privacyWeight 20 % | 18 | 35 |
| FeaturesWeight 15 % | 91 | 100 |
| AvailabilityWeight 10 % | 48 | 68 |
| RewardsWeight 10 % | 67 | 77 |
| TrustWeight 10 % | 80 | 73 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
debit
docs.coca.xyz checked 29 Oct 2026
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? |
credit
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
ether.fi Cash works just like you would expect from any other Visa credit card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
coca.xyz checked 29 Oct 2026
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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? |
virtual, physical
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
The ether.fi Cash card is included with your ether.fi ether.fi Cash membership, and is available as both a virtual and physical credit card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
Visa
docs.coca.xyz checked 29 Oct 2026
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? |
Visa
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
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ether.fi Cash works just like you would expect from any other Visa credit card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
smart wallet
docs.coca.xyz checked 29 Oct 2026
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docs.coca.xyz
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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? |
smart wallet
help.ether.fi checked 29 Oct 2026
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help.ether.fi
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Add funds to your Safe by depositing any supported token. These funds become available for spending in Direct Pay mode or as collateral in Credit mode.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model (differs) |
fiat balance
help.coca.xyz checked 29 Oct 2026
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
help.coca.xyz checked 29 Oct 2026
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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? |
EUR, USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
Foreign exchange (FX) rates apply when you make a transaction in a currency other than USD or EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal
help.coca.xyz checked 29 Oct 2026
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Source
help.coca.xyz
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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? |
personal, business
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) | unknown |
Third National
etherfi.gitbook.io checked 29 Oct 2026
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Source
etherfi.gitbook.io
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The Ether.Fi Card is issued by Third National pursuant to a license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
account tier
help.coca.xyz checked 29 Oct 2026
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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? |
user setting
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
ether.fi doesn't set a maximum spending limit on Cash cards, you do. Your card and your vault each have their own spending limits, which you control and can raise or lower at any time in the app.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) | unknown |
Available in 89 countries and regions
help.ether.fi checked 29 Oct 2026
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help.ether.fi
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ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below. Physical-card delivery is not available in every eligible Cash region. Eligibility is...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC, EURC, EURS
help.coca.xyz checked 29 Oct 2026
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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? |
BTC, ETH, USDT, USDC, EURC, OP, HYPE, USDT0, WETH, E U S D, Frx U S D, ZCHF
help.ether.fi checked 29 Oct 2026
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help.ether.fi
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# Stablecoins | Asset | Supported network(s) | |---|---| | USDC | Ethereum, OP Mainnet, Arbitrum, Base, BNB Smart Chain, Celo, Gnosis, HyperEVM, Katana, Mantle, Polygon, Solana, Tempo | | USDT | Ethe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? + 10 moreBTCETHUSDTUSDCEURCOPHYPEUSDT0WETHE U S DFrx U S DZCHFWe E T HE B T CETHFIS E T H F IWHYPEBe H Y P EPAXGLiquid E T HLiquid B T CLiquid U S D |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near
help.coca.xyz checked 29 Oct 2026
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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? |
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Gnosis, Mantle, Celo, Kaia
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
| USDC | Ethereum, OP Mainnet, Arbitrum, Base, BNB Smart Chain, Celo, Gnosis, HyperEVM, Katana, Mantle, Polygon, Solana, Tempo | | USDT | Ethereum, OP Mainnet, Arbitrum, Base, BNB Smart Chain, Celo, G...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up |
Yes
help.coca.xyz checked 29 Oct 2026
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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? |
Yes
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
Looking to fund your Vault through a bank transfer? See our available options here:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
docs.coca.xyz checked 29 Oct 2026
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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? |
Apple Pay
Google Pay
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
| Apple Pay & Google Pay | ✅ | ✅ | ✅ | ✅ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
docs.coca.xyz checked 29 Oct 2026
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docs.coca.xyz
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ATM Cash Withdrawal LimitsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
You can withdraw cash from ATMs with your ether.fi card. The same limits apply to every membership level.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
help.coca.xyz checked 29 Oct 2026
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help.coca.xyz
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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? |
Yes
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
| Contactless payments | ✅ | ✅ | ✅ | ✅ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance |
0.00 USD
docs.coca.xyz checked 29 Oct 2026
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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? |
0.00 USD
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
Core members normally receive one free virtual Cash card. In some regions, regional pricing means the first virtual Cash card has a $10 fee instead.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
10.00 USD
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
The card fees below apply only after you use the free-card allowance for your tier. For virtual cards, Core includes one free card outside the regions where a $10 first-virtual-card fee applies; Luxe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
10.00 USD
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
| Pinnacle | $10 | $100 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) | unknown |
50.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
Core does not include a free physical card, so the physical-card fee applies when you order one. Learn which regions have a $10 first-virtual-card fee. | Tier | Virtual Card Fee | Physical Card Fee |...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
100.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
The card fees below apply only after you use the free-card allowance for your tier. For virtual cards, Core includes one free card outside the regions where a $10 first-virtual-card fee applies; Luxe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
100.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Pinnacle | $10 | $100 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| | Core All ether.fi Cash members | Luxe Luxe | Pinnacle Pinnacle | VIP Invitation only | |---|---|---|---|---| | Referral rewards(Now Affiliate) | 1% cashback on referral purchases | 1% cashback on...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee (differs) |
0.00 USD
help.coca.xyz checked 29 Oct 2026
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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
docs.coca.xyz checked 29 Oct 2026
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Source
docs.coca.xyz
Wording at the source
Zero Annual FeesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Earn it with points | Free | 5K pts | 25K pts | – |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
199.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
You can choose to skip the monthly points. You can buy Luxe ($199/year) or Pinnacle ($999/year) and get that level's benefits right away for 12 months.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
999.00 USD
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
You can choose to skip the monthly points. You can buy Luxe ($199/year) or Pinnacle ($999/year) and get that level's benefits right away for 12 months.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
not applicable
help.ether.fi checked 29 Oct 2026
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help.ether.fi
Wording at the source
| Buy it for the year (annual membership) | – | $199/yr | $999/yr | – |Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
0 %
help.coca.xyz checked 29 Oct 2026
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? |
0.5 %
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Core | 0.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.25 %
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Luxe | 0.25% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 %
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Pinnacle | None |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 %
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| VIP | None |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
250.00 USD free per calendar month, then 2 %
docs.coca.xyz checked 29 Oct 2026
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Source
docs.coca.xyz
Wording at the source
Free ATM withdrawals worldwide Up to $250, 2% thereafter MonthlyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| 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 (differs) |
0.00 USD
coca.xyz checked 29 Oct 2026
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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 (differs) |
free
coca.xyz checked 29 Oct 2026
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? |
|
| Rewards | ||
| Cashback (differs) | 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 | |
| Referral bonus (invited friend) (differs) |
10 USD
help.coca.xyz checked 29 Oct 2026
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Source
help.coca.xyz
Wording at the source
• Friend Bonus: Each friend receives $10 upon successful completion of all qualifying steps.Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Referral bonus (you) (differs) |
20 USD
help.coca.xyz checked 29 Oct 2026
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Source
help.coca.xyz
Wording at the source
• Referrer Bonus: Earn $20 for each successfully referred friend.Checked Verified Value wrong? No earlier versions What does [s] mean? |
0.1 % of card spend
help.ether.fi checked 29 Oct 2026
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Source
help.ether.fi
Wording at the source
| Cashback on referral spending | 0.1% | 0.2% | 0.25% | 0.3% |Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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