Comparison
COCA Visa Card vs. Zypto 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
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Zypto CardZypto
In short
- COCA Visa Card has the lowest foreign currency fee (0 %).
- COCA Visa Card has the higher score (66.64).
| Attribute |
COCA Visa CardCOCA
Requires KYC
Private
Virtual
Physical
|
Zypto CardZypto
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | good | good |
| CostsWeight 25 % | 100 | 67 |
| KYC and privacyWeight 20 % | 18 | 18 |
| FeaturesWeight 15 % | 91 | 88 |
| AvailabilityWeight 10 % | 48 | 97 |
| RewardsWeight 10 % | 67 | 100 |
| TrustWeight 10 % | 80 | 76 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC: ID + proof of address |
| 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? |
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.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
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody (differs) |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
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? |
USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.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
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? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
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, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs) |
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? |
unknown |
| Fiat top-up (differs) |
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? |
unknown |
| Payments | ||
| Mobile wallets (differs) |
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
Samsung Pay
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...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
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...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
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
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.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
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? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked 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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee |
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 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 USD
docs.coca.xyz checked 29 Oct 2026
Source and check
Source
docs.coca.xyz
Wording at the source
Zero Annual FeesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
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? |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) |
0.00 USD
coca.xyz checked 29 Oct 2026
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? |
unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | 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? |
unknown |
| 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 |
only in the app
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs) |
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? |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) |
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? |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at COCA Visa Card · Zypto Card: promotions and bonuses as well as warnings and incidents.