# Kolo Card

by Kolo · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [kolo.xyz](https://kolo.xyz)

## Facts

- Kolo Card is a Visa debit card from Kolo.
- Kolo Card has no monthly fee.
- Payments in foreign currencies cost 0 %.
- ATM withdrawals cost 0.65 % + 1.00 USD.
- It works with Apple Pay, Google Pay.
- Base cashback is 1 %.
- Custody: self-custody.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | self-custody |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | converted on spend |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | EUR, USD |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal, business |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | KYC level |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | unknown |  |  |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | unknown |  |  |
| Top-up fee | unknown |  |  |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | 0 % |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | 0.65 % + 1.00 USD |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | 0.60 USD |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 1–2 % |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Tier 1 at Kolo — Requires: ID document; In some cases: Selfie / liveness (on request), Proof of address (on request) — kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| ATM per transaction | 500 USD |
| ATM per 24 hours (number) | 3× |

### When is KYC needed?

- For high volumes, Kolo may request additional documents such as proof of source of funds. — cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026)
- After a risk review at its own discretion, Kolo may request additional documents such as proof of source of funds. — cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| Residency requirement | Users may not be located in, under the control of, or nationals or residents of sanctioned countries, including Cuba, Iran, North Korea, Sudan and Syria. |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | unknown |
| Austria | unknown |
| Switzerland | unknown |
| United States | unknown |
| United Kingdom | unknown |
| France | unknown |
| Spain | unknown |
| Italy | unknown |
| Netherlands | unknown |
| Türkiye | unknown |
| Brazil | unknown |
| Nigeria | unknown |
| India | unknown |
| United Arab Emirates | unknown |
| Singapore | unknown |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | unknown |  |  |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | unknown |  |  |
| Fiat top-up | No |  | kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Bonuses and promotions

What Kolo offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

- Referral bonus · You (referrer): 40 % of fees — kolo.xyz
- 2% Bitcoin cashback in the first month: 2 % of card spend for 1 month · Conditions: Applies to Kolo EUR card purchases during the first month; 1% Bitcoin cashback applies thereafter. — kolo.xyz

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| Program manager | unknown |  |  |
| Headquarters | Available in: Kazakhstan |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Support channels | email |  | cdn.kolo.xyz (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

### Company

- Headquarters: Kazakhstan (Source: cdn.kolo.xyz)
- Registered address: Z05T3F6, Astana, Esil district, 55/18, Mangilik El, office 218, Kazakhstan (Source: kolo.xyz)

### Security

- Audits and certifications: Other (Source: kolo.xyz)

### Transparency

- Transparency 71 %
- 0 of 14 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

66.26 of 100 · good. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 94 | 23.6 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 80 | 12.0 |
| Availability | 10 % | not scored | counts neutral (5.0) |
| Rewards | 10 % | 44 | 4.4 |
| Trust | 10 % | 93 | 9.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Kolo from the press and the provider's own channels, rated automatically.

- 28 Oct 2026: [Kolo card review — who it's for and what it really costs](https://cryptocardbasics.com/wallet-cards/kolo-card-review) (cryptocardbasics) — Neutral. Independent review of the Kolo card costs and risks; no new terms announced.
- 23 Oct 2026: [Kolo Card Guide: Fees, BTC Rewards and Application](https://penchan.co/en/crypto/cards/kolo-card-guide/) (Penchan) — Neutral. Kolo Card guide on fees, BTC rewards and application that notes Taiwan is not currently supported, with no change reported.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 29 Oct 2026: New card image.
- 29 Oct 2026: Score changed from 61.95 to 66.26.
- 29 Oct 2026: Score changed from 63.56 to 61.95.
- 29 Oct 2026: Score changed from 56.81 to 63.56.
- 29 Oct 2026: Score changed from 55.81 to 56.81.
- 29 Oct 2026: Changed: Referral bonus · You (referrer).
- 29 Oct 2026: New card image.
- 29 Oct 2026: Score changed from 62.45 to 55.81.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: New: 2% Bitcoin cashback in the first month.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 61.5 to 62.45.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Headquarters: Kazakhstan.
- 29 Oct 2026: Score changed from 59.83 to 61.5.
- 29 Oct 2026: Score changed from 59.3 to 59.83.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/kolo-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/kolo-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/kolo-card/