Comparison
COCA Visa Card vs. Utorg Crypto Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
COCA Visa CardCOCA
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Utorg Crypto CardUtorg
In short
- COCA Visa Card has the best score (7.7).
| Attribute |
COCA Visa CardCOCA
|
Utorg Crypto CardUtorg
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual |
| Score | good | average |
| CostsWeight 25 % | 9.0 | 8.5 |
| TrustWeight 20 % | 8.5 | 5.8 |
| KYC and privacyWeight 15 % | 4.5 | 4.5 |
| FeaturesWeight 15 % | 9.0 | 4.7 |
| AvailabilityWeight 10 % | 7.7 | 3.8 |
| RewardsWeight 10 % | 8.0 | not scored |
| CommunityWeight 5 % | 3.6 | 5.1 |
| KYC | KYC: ID + proof of address | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
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? |
debit
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Accepted at physical terminals, online stores, and wherever debit cards are used.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
coca.xyz checked 29 Oct 2026
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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? |
virtual
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
 
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
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
### White-Label Crypto Cards Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custody (differs)same for all |
smart wallet
docs.coca.xyz checked 29 Oct 2026
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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? |
self-custody
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Nope. You hold your keys. You hold your crypto. We never touch your assets — that's the whole point.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
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? |
fiat balance
utorg.com checked 30 Oct 2026
Two sources, two values
Shownfiat balance
utorg.comchecked 30 Oct 2026
You will also be able to top up your Utorg Card by exchanging your crypto assets from your non-custodial wallet for fiat and make payments with your debit Utorg payment card.Differingconverted on spend utorg.comfetched 30 Oct 2026 Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Card currencies (differs)same for all |
EUR, USD
help.coca.xyz checked 29 Oct 2026
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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? |
USD
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Card Currency is USD: To ensure the fastest possible relaunch, all new cards are issued in USD. While we plan to reintroduce EUR cards in the future, USD is currently the primary currency.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
help.coca.xyz checked 29 Oct 2026
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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? |
personal
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Up to €30,000, providing you with the freedom to manage your finances without constraints.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown | unknown |
| Limits depend onsame for all |
account tier
help.coca.xyz checked 29 Oct 2026
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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? |
unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Issuer / BIN sponsor · Cards per account | |
| Availability | ||
| Available insame for all | unknown |
Available in 29 countries and regions
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Ukraine Austria Belgium Bulgaria Croatia Cyprus Czech Repub...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
USDT, USDC, EURC
help.coca.xyz checked 30 Oct 2026
Two sources, two values
ShownUSDT, USDC, EURC
help.coca.xyzchecked 30 Oct 2026
| Token Name | Network Name | |---|---| | EURC | Base, Ethereum, Optimism, Solana | | USDC | Arbitrum, Avalanche, Base, Ethereum, Gnosis, Monad, NEAR, Optimism, Polygon, Solana, Stellar, Sui, X Layer...DifferingUSDT, USDC, EURC, EURS help.coca.xyzfetched 29 Oct 2026 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...The shown value comes from the source checked more recently. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
USDC
support.utorg.com checked 30 Oct 2026
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Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown |
1
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon. - 1:0.9995 Conversion: When you top up, 1 USDC equals $...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Top-up networks (differs)same for all |
Ethereum, Tron, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, Gnosis, TON, Scroll, Stellar, Sui, Near
help.coca.xyz checked 30 Oct 2026
Two sources, two values
ShownEthereum, Tron, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, Gnosis, TON, Scroll, Stellar, Sui, Near
help.coca.xyzchecked 30 Oct 2026
| Token Name | Network Name | |---|---| | EURC | Base, Ethereum, Optimism, Solana | | USDC | Arbitrum, Avalanche, Base, Ethereum, Gnosis, Monad, NEAR, Optimism, Polygon, Solana, Stellar, Sui, X Layer...DifferingEthereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near help.coca.xyzfetched 29 Oct 2026 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...The shown value comes from the source checked more recently. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
Ethereum, Solana, Polygon, Arbitrum
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
However, you can top-up the card with USDC in Ethereum, Polygon, Arbitrum and Solana networks without paying a transaction fee in the native coin. For such a top-up, we take 0 USD as a commission.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-up (differs)same for all |
Yes
help.coca.xyz checked 29 Oct 2026
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? |
No
support.utorg.com checked 30 Oct 2026
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Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile walletssame for all |
 
Apple Pay
 
Google Pay
docs.coca.xyz checked 29 Oct 2026
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? |
Apple Pay
Google Pay
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
Yes
docs.coca.xyz checked 29 Oct 2026
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Source
docs.coca.xyz
Wording at the source
ATM Cash Withdrawal LimitsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
help.coca.xyz checked 29 Oct 2026
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? |
Yes
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
0.00 USD
docs.coca.xyz checked 29 Oct 2026
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? |
unknown |
| Physical card issuancesame for all | unknown |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 USD
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? |
0.00 EUR
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Yes. Really. No payment fees, no FX markups, no monthly charges. We make money on volume — not on you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
docs.coca.xyz checked 29 Oct 2026
Source and check
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? |
unknown |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown | unknown |
| Foreign currency feesame for all |
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 % promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM fee (differs)same for all |
250.00 USD free per calendar month, then 2 %
docs.coca.xyz checked 29 Oct 2026
Source and check
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? |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | free promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Account closure feesame for all |
not published
docs.coca.xyz checked 31 Oct 2026
Source and check
Source
docs.coca.xyz
Wording at the source
### Fees - Zero FX Fees on Direct Pairs - Zero Annual Fees - Free virtual cardChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Dispute feesame for all |
not published
docs.coca.xyz checked 31 Oct 2026
Source and check
Source
docs.coca.xyz
Wording at the source
### Fees - Zero FX Fees on Direct Pairs - Zero Annual Fees - Free virtual cardChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all |
50.00 EUR
help.coca.xyz checked 30 Oct 2026
Source and check
Source
help.coca.xyz
Wording at the source
Physical Card - Make an initial top-up Make an initial top-up equivalent to €50 to cover delivery and card issuance. The remaining amount will be available as your card balance.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all |
0.00 USD
coca.xyz checked 30 Oct 2026
Source and check
Source
coca.xyz
Wording at the source
| Inactivity fee | None | None |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown | unknown |
| Card replacementsame for all |
free
coca.xyz checked 30 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 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | Free cards · Top-up fee · Crypto deposit fee · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Declined payment fee · Refund fee · Minimum monthly spend · Inactivity rule | |
| Rewards | ||
| Cashbacksame for all | 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 | unknown |
| Referral bonus (invited friend)same for all |
10 USD
help.coca.xyz checked 29 Oct 2026
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 Value wrong? No earlier versions What does [s] mean? |
unknown |
| Referral bonus (you)same for all |
20 USD
help.coca.xyz checked 29 Oct 2026
Source and check
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? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at COCA Visa Card · Utorg Crypto Card: promotions and bonuses as well as warnings and incidents.