Comparison
Kolo Card vs. Simple Crypto Card: fees, limits & KYC
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instagram.com29 Oct 2026
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
Simple Crypto CardSimple
In short
- Kolo Card ask for the least (ID document).
- Kolo Card has the higher score (66.26).
| Attribute |
Kolo CardKolo
Requires KYC
Private & business
Virtual
Physical
|
Simple Crypto CardSimple
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | good | weak |
| CostsWeight 25 % | 94 | 33 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 80 | 81 |
| AvailabilityWeight 10 % | not scored | 17 |
| RewardsWeight 10 % | 44 | not scored |
| TrustWeight 10 % | 93 | 95 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
debit
cdn.kolo.xyz checked 29 Oct 2026
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? |
debit
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
These terms and conditions, combined with the Wirex General Terms of Service (the "Wirex Terms"), the Wirex Multicurrency Account Terms, Privacy Policy, and any other documents referred to in these it...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
kolo.xyz checked 29 Oct 2026
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
help.simple.app checked 29 Oct 2026
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Source
help.simple.app
Wording at the source
Follow these simple steps to get your card up and running. Currently only the Virtual card is available — the Physical card is coming soon.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
kolo.xyz checked 29 Oct 2026
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? |
Mastercard
simple.app checked 28 Oct 2026
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Source
simple.app
Wording at the source
You can top up your Wirex Card from your Wirex Multicurrency Account using the applicable functionality on the Wirex Service. You can then spend the funds on your Wirex Card anywhere where Mastercard...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
self-custody
cdn.kolo.xyz checked 29 Oct 2026
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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
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
Self-custody means only you have access — not even we can touch your crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
converted on spend
kolo.xyz checked 29 Oct 2026
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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
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
4.4.1. The Crypto Card connects to your Self-Custodial Wallet. You acknowledge that when you use the card for transactions, specific assets from your Self-Custodial Wallet may be converted to Fiat Cur...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Card currencies (differs) |
EUR, USD
kolo.xyz checked 29 Oct 2026
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? |
only in the app
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
Your Card is a multicurrency payment card capable of spending or withdrawal in different currencies. The currencies available to you are indicated on your Wirex Profile.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal, business
kolo.xyz checked 29 Oct 2026
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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 accountChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
- You must be an individual and not acting on behalf of a business.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) | unknown |
Wirex
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
4.1.1. The Crypto Card program is provided, issued, and managed by Wirex and its affiliated entities (collectively, "Wirex").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
cdn.kolo.xyz checked 29 Oct 2026
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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? |
user setting
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
Set spending limits for extra securityChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) | unknown |
USDT, USDC
help.simple.app checked 28 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
You can currently top up your Simple USDC Card using USDT and USDC on the following supported networks:Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Ethereum, Tron, BNB Smart Chain, Polygon, Arbitrum, Base
help.simple.app checked 28 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
You can currently top up your Simple USDC Card using USDT and USDC on the following supported networks: - USDT: Ethereum (ERC20), Polygon, BNB Smart Chain (BSC), Arbitrum (ARB), and Tron (TRX). - USD...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Fiat top-up (differs) |
No
kolo.xyz checked 29 Oct 2026
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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
simple.app checked 28 Oct 2026
Source and check
Source
simple.app
Wording at the source
3.7.6.1. Intended Retail Purpose — The Card Smart Wallet and integrated fiat on-ramp channels are made available exclusively for personal consumer retail spending. Utilizing card top-up mechanisms as...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
kolo.xyz checked 29 Oct 2026
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
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
Yes! With the Simple Crypto Card, you can spend your crypto like regular money anywhere cards are accepted. It works with Apple Pay and Google Pay, so everyday use is seamless and instant.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
kolo.xyz checked 29 Oct 2026
Source and check
Source
kolo.xyz
Wording at the source
- Maximum per withdrawal: $500Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
help.simple.app checked 29 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
Need cash? Here are the limits for withdrawing funds at ATMs:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless |
Yes
kolo.xyz checked 29 Oct 2026
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
help.simple.app checked 28 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
To add your card to Apple Wallet or Google Wallet and make contactless payments, you need to follow several steps:Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | unknown | unknown |
| Physical card issuance (differs) | unknown |
not applicable
help.simple.app checked 28 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
Follow these simple steps to get your card up and running. Currently only the Virtual card is available — the Physical card is coming soon.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping (differs) | unknown |
not applicable
help.simple.app checked 29 Oct 2026
Source and check
Source
help.simple.app
Wording at the source
Follow these simple steps to get your card up and running. Currently only the Virtual card is available — the Physical card is coming soon.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee (differs) |
0.00 USD
kolo.xyz checked 29 Oct 2026
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 |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) |
0 %
kolo.xyz checked 29 Oct 2026
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? |
2 %
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
A fee of 2% of the transaction amount is applied to card transactions involving crypto assets. This fee is incorporated directly into the exchange rate used for the conversion of your crypto assets at...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
0 %
kolo.xyz checked 29 Oct 2026
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 |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
0.65 % + 1.00 USD
kolo.xyz checked 29 Oct 2026
Source and check
Source
kolo.xyz
Wording at the source
- ATM withdrawal: $1.00 + 0.65% of the withdrawal amountChecked 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
kolo.xyz checked 29 Oct 2026
Source and check
Source
kolo.xyz
Wording at the source
- Declined ATM transaction: $0.60Checked 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 (differs) | unknown |
Storage fee after 9 months without a withdrawal, deposit, exchange or transfer; 30 days' email notice; applies only while balances remain and stops after renewed activity.
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
If you don't transact using the Wirex Service for nine (9) months up to 18 months, we'll charge you a storage fee to store your balances with us. Transacting includes withdrawal, deposit, exchange, or...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement (differs) | unknown |
not published
simple.app checked 29 Oct 2026
Source and check
Source
simple.app
Wording at the source
To order a replacement Card if your Card is lost or stolen, contact Customer Support. Fees may apply.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback (differs) |
1–2 %
kolo.xyz checked 29 Oct 2026
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 thatChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) (differs) |
40 % of fees
kolo.xyz checked 29 Oct 2026
Source and check
Source
kolo.xyz
Wording at the source
- Referral program: earn 40% of the fees Kolo makes on friends you inviteChecked Verified Value wrong? History What does [s] mean? |
unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Kolo Card · Simple Crypto Card: promotions and bonuses as well as warnings and incidents.