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Comparison

Kolo Card vs. Oobit Crypto Card compared

  • Image source Source instagram.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Kolo CardKolo
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Oobit Crypto CardOobit

In short

  • Kolo Card has the lowest foreign currency fee (0 %).
  • Kolo Card ask for the least (ID document).
  • Oobit Crypto Card has the higher score (68.21).
Attribute Kolo CardKolo Requires KYC Private & business Virtual Physical Oobit Crypto CardOobit Requires KYC Private Virtual
Score good good
CostsWeight 25 % 94 88
KYC and privacyWeight 20 % 35 18
FeaturesWeight 15 % 80 88
AvailabilityWeight 10 % not scored 65
RewardsWeight 10 % 44 100
TrustWeight 10 % 93 81
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID + proof of address
Limits (entry level)
  • ATM per transaction: 500 USD
  • ATM per 24 hours (number): 3×
  • Spending per day: 10,000 USD
  • Spending per month: 150,000 USD
  • ATM per transaction (virtual card): 250 USD
+1
Basics
Card form (differs) debit Source and check Source cdn.kolo.xyz Wording at the source the KOLO Spend Card, the ability to issue a debit card ("Card Services") Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? credit Source and check Source oobit.com Wording at the source The Oobit Crypto Card is a credit card that uses your digital assets as collateral for everyday spending. Transactions run over the Visa network and settle in local currency, so merchants are paid the... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types (differs) virtual, physical Source and check Source kolo.xyz Wording at the source The setup flow: download the Kolo app or open the Telegram bot, complete the one-minute KYC, fund the wallet with USDT (TRC20 is the cheapest network for most users), order a virtual or physical card,... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual Source and check Source oobit.com Wording at the source Oobit, the crypto payments platform, has launched contactless crypto ATM cash withdrawals, allowing KYC-verified users globally to withdraw physical cash by tapping their phones at any supported NFC-e... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network Visa Source and check Source kolo.xyz Wording at the source Kolo is a USDT Visa card and hybrid wallet available through mobile apps for iOS and Android and through Telegram. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Visa Source and check Source oobit.com Wording at the source The Oobit Crypto Card is a credit card that uses your digital assets as collateral for everyday spending. Transactions run over the Visa network and settle in local currency, so merchants are paid the... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody self-custody Source and check Source cdn.kolo.xyz Wording at the source 1.4. Move to a Non-Custodial Model. With effect from 1 July 2026, KOLO does not custody users' Digital Assets. KOLO does not hold or assemble the full private key to your Digital Assets and is not a c... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? self-custody Source and check Source oobit.com Wording at the source Oobit doesn't hold your funds. Connect MetaMask, Trust Wallet, Phantom, or Base, and your crypto stays in your wallet until the exact moment you tap to pay. No pre-funding, no custodial balance sittin... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model converted on spend Source and check Source kolo.xyz Wording at the source During payments, your crypto can be converted into the local currency via Apple Pay and Google Pay right after you complete a 1-minute KYC Verification in Kolo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? converted on spend Source and check Source oobit.com Wording at the source A crypto card is a payment card that lets you use USDT, Bitcoin, Ethereum, and other stablecoins as easily as cash. With Oobit, you stay in crypto until the point of purchase. When you pay, your crypt... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs) EUR, USD Source and check Source kolo.xyz Wording at the source You can now use your Kolo USD card to pay at tobacco shops, cigar stores and stands. This merchant category (MCC 5993 — Cigar Stores and Stands) was previously blocked and is now enabled. If a paymen... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USD Source and check Source oobit.com Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage (differs) personal, business Source and check Source kolo.xyz Wording at the source - For personal accounts, the note is private — only you can see it - For business accounts, the note is visible to all users with access to that account Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source oobit.com Wording at the source You will use the Oobit Card for personal, family, or household use Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) unknown ThirdNational Source and check Source oobit.com Wording at the source "Issuer" refers to the issuer of the card program. The issuer for this card program is ThirdNational. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs) KYC level Source and check Source cdn.kolo.xyz Wording at the source Your transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. 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 (differs) unknown Available in 74 countries and regions Source and check Source oobit.com Wording at the source Oobit is available in 80+ countries across six continents, and we add new markets regularly.Europe: Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czechia, Denm... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) unknown BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON, DOGE, ADA, LTC Source and check Source oobit.com Wording at the source Oobit supports USDC, USDT, BNB, USDR, EURR, BTC, DOGE, ETH, SOL, TRX, XRP, XTZ, TON, VET, XAUT, LTC, XLM, TRUMP, ADA, BCH, and SHIB for payments and transfers. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
+ 3 more BTCETHUSDTUSDCSOLBNBXRPTRXTONDOGEADALTCBCHXLMSHIB
Number of supported assets unknown unknown
Top-up networks (differs) unknown Ethereum, Polygon, Arbitrum, Optimism Source and check Source oobit.com Wording at the source "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up (differs) No Source and check Source kolo.xyz Wording at the source | Top-up options | Crypto only | Crypto only | Crypto only | Crypto only | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source oobit.com Wording at the source You can buy crypto in the Oobit app with a credit card starting from 10 USD or transfer supported cryptocurrencies from your existing wallet or exchange. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets Apple Pay Google Pay Source and check Source kolo.xyz Wording at the source Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Apple Pay Google Pay Source and check Source oobit.com Wording at the source Connect your wallet or top up with stablecoins, then add your card to Apple Pay or Google Wallet. Simple as that. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals Yes Source and check Source kolo.xyz Wording at the source - Maximum per withdrawal: $500 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source oobit.com Wording at the source KYC-verified users can now tap their phones at supported NFC-enabled ATMs to withdraw cash from their Oobit balance, without a physical card or linked bank account. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless Yes Source and check Source kolo.xyz Wording at the source Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source oobit.com Wording at the source Oobit, the crypto payments platform, has launched contactless crypto ATM cash withdrawals, allowing KYC-verified users globally to withdraw physical cash by tapping their phones at any supported NFC-e... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs) unknown 0.00 USD Source and check Source oobit.com Wording at the source Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Physical card issuance unknown unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee 0.00 USD Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source oobit.com Wording at the source Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Annual fee (differs) unknown 0.00 USD Source and check Source oobit.com Wording at the source Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Top-up fee unknown unknown
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) 0 % Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Foreign currency fee (differs) 0 % Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 1.5 % Source and check Source oobit.com Wording at the source Foreign Transaction Fees up to 1.5% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 0.65 % + 1.00 USD Source and check Source kolo.xyz Wording at the source - ATM withdrawal: $1.00 + 0.65% of the withdrawal amount Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
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 (differs) 0.60 USD Source and check Source kolo.xyz Wording at the source - Declined ATM transaction: $0.60 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule unknown unknown
Card replacement unknown unknown
Rewards
Cashback (differs) 1–2 % Source and check Source kolo.xyz Wording at the source - 2% Bitcoin cashback on your purchases in the first month - 1% Bitcoin cashback on every purchase after that Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 10 % Source and check Source oobit.com Wording at the source Token Rewards: Users will receive 10% token rewards on eligible transactions paid with OOB tokens, capped at a maximum spend of USD 5,000; Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Referral bonus (invited friend) unknown unknown
Referral bonus (you) (differs) 40 % of fees Source and check Source kolo.xyz Wording at the source - Referral program: earn 40% of the fees Kolo makes on friends you invite Checked Verified Value wrong? History What does [s] mean? unknown
Welcome bonus unknown unknown

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