Comparison
COCA Visa Card vs. xPortal Card: fees, limits & KYC
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docs.coca.xyz29 Oct 2026
Image source
Source
docs.coca.xyz
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
COCA Visa CardCOCA
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xportal.com30 Oct 2026
Image source
Source
xportal.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
xPortal CardxPortal
In short
- COCA Visa Card has the best score (66.64).
| Attribute |
COCA Visa CardCOCA
|
xPortal CardxPortal
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual Physical |
| Score | good | average |
| CostsWeight 25 % | 100 | 93 |
| KYC and privacyWeight 20 % | 18 | 18 |
| FeaturesWeight 15 % | 91 | 98 |
| AvailabilityWeight 10 % | 48 | 23 |
| RewardsWeight 10 % | 67 | 4 |
| TrustWeight 10 % | 80 | 71 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | – | Only for nationals of: European Economic Area |
| 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
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
| Card type | Mastercard Debit® |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual, physical
coca.xyz checked 29 Oct 2026
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? |
virtual, physical
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
To earn cashback rewards, Participants must complete purchases at eligible merchants by using their xPortal Card during the Program period. Purchases may be conducted using either the physical or the...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card network (differs)same 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? |
Mastercard
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Spend your crypto instantly with Apple Pay or Google Pay. Anywhere Mastercard is accepted.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
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? |
custodial
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
As a customer of Capital Financial Services SA (CFS) your e-money funds are protected in the unlikely event that CFS becomes insolvent. As an e-money institution regulated by the National Bank of Roma...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
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
No, you can deposit only fiat currency (EUR), but you can top-up your xPortal card using EGLD and several other tokens.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
EUR, USD
help.coca.xyz checked 29 Oct 2026
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? |
EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
No, you can deposit only fiat currency (EUR), but you can top-up your xPortal card using EGLD and several other tokens.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
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? |
personal
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Only individuals who cumulatively meet all of the conditions set out below (hereinafter "Eligible Participants") may participate in the Program: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 |
Capital Financial Services S.A.
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
The payment cards used in connection with the Program (hereinafter referred to as the "xPortal Cards") are issued under a white-label arrangement by Capital Financial Services S.A., an electronic mone...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
account tier
help.coca.xyz checked 29 Oct 2026
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 accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
USDT, USDC, EURC, EURS
help.coca.xyz checked 29 Oct 2026
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? |
BTC, ETH, SOL, BNB, DOGE, POL, SUI, EGLD, BERA
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Fund your card with top crypto BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, or SUI. Your crypto, your choice.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 | |
| Top-up networkssame for all |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Avalanche, Stellar, Near
help.coca.xyz checked 29 Oct 2026
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? |
|
| Fiat top-upsame 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? |
Yes
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
You can top-up your account with funds (fiat currency) (i) via a payment (debit / credit) card issued to you by your financial institution; or (ii) via your crypto-asset exchange provider that perform...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| 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
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Use your card instantly through Apple Pay or Google Pay — no plastic required.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
docs.coca.xyz checked 29 Oct 2026
Source and check
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? |
Yes
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
| ATM withdrawals /mo. | €500 |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? |
|
| Fees | ||
| Virtual card issuance (differs)same 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? |
3.00 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Your first three Virtual Cards are free of charge, but the following ones will be charged with 3 Euro issuing fee.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
9.99 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Your first physical card costs 9,99 Euro and you have to pay a delivery fee of 5,99 Euro (for Romania) or 12,99 (for International – only EEA). The following ones will be charged with 9,99 Euro + the...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all | unknown |
5.99 EUR – 9.99 EUR
xportal.com checked 30 Oct 2026
Two sources, two values
Shown5.99 EUR – 9.99 EUR
xportal.comchecked 30 Oct 2026
| Card delivery | €5,99 (RO) / €9,99 (INT) |Differing5.99 EUR – 12.99 EUR help.xportal.comfetched 30 Oct 2026 Your first physical card costs 9,99 Euro and you have to pay a delivery fee of 5,99 Euro (for Romania) or 12,99 (for International – only EEA).Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? 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
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Our everyday use debit card is fresh, it's mint and, most importantly, it's FREE.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? |
|
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | 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? |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame 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? |
|
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | 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? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacement (differs)same 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? |
5.00 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Yes, you will be charged 5 Euro + the delivery fee of 5,99 Euro (for Romania) or 9,99 Euro (for International – EEA only).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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 · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend · Inactivity rule | |
| Rewards | ||
| Cashback (differs)same 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 |
0.1 % (holding from 5 · cap 5.00 EUR/month); 0.2 % (holding from 25 · cap 10.00 EUR/month); 0.3 % (holding from 100 · cap 15.00 EUR/month); 0.4 % (holding from 500 · cap 20.00 EUR/month); 0.5 % (holding from 2,000 · cap 30.00 EUR/month); 0.1 % (holding from 25 · cap 5.00 EUR/month); 0.2 % (holding from 125 · cap 10.00 EUR/month); 0.3 % (holding from 500 · cap 15.00 EUR/month); 0.4 % (holding from 2,500 · cap 20.00 EUR/month); 0.5 % (holding from 10,000 · cap 30.00 EUR/month) · in EGLD
|
| 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? |
|
| 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? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at COCA Visa Card · xPortal Card: promotions and bonuses as well as warnings and incidents.