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Image source Source kolo.xyz Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Kolo

Kolo Card

Requires KYC Private & business Virtual Physical

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Image source Source instagram.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score good of 100

How it is made up ↓Methodology →

To Kolo

Basicskolo-card

Card form
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?
Card types
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?
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?
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?
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?
Card currencies
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?
Usage
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?
Limits depend on
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?
Cards per account
unknown
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?
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?
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?

Fees and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance unknown
Shipping 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?
Annual fee unknown
Top-up fee unknown
Crypto deposit fee unknown
Crypto conversion fee 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?
Minimum conversion unknown
Foreign currency fee 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?
Minimum FX fee unknown
ATM fee 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? ↳ Withdrawing 200.00 USD at an ATM: 2.30 USD
Merchant-specific fee unknown
Declined payment fee 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?
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback 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?

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Tier 1 at Kolo

      Source and check Source kolo.xyz Wording at the source This includes: ● Verifying your identity through government-issued documents (e.g., passport, ID card); ● Conducting PEP checks to ensure compliance with financial regulations; ● Performing risk-... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: ID document

      In some cases: Selfie / liveness (on request), Proof of address (on request)

LimitsValue
ATM per transaction 500 USD Source and check Source kolo.xyz Wording at the source - Maximum per withdrawal: $500 Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per 24 hours (number) 3× Source and check Source kolo.xyz Wording at the source - Maximum withdrawals per day: 3 (per 24h) Checked Verified Value wrong? No earlier versions What does [s] mean?

KYC: ID document Identity verification is required from the first level.

When is KYC needed?

  • High volumeFor high volumes, Kolo may request additional documents such as proof of source of funds. Source and check Source cdn.kolo.xyz Wording at the source 5.2. We may require you to submit additional information about yourself and provide additional records if you wish to raise your limits ("Enhanced Due Diligence"). Checked Verified Value wrong? History What does [s] mean?
  • Risk reviewAfter a risk review at its own discretion, Kolo may request additional documents such as proof of source of funds. Source and check Source cdn.kolo.xyz Wording at the source ● require enhanced verification procedures; ● request additional documentation, including confirmation of reports made to law enforcement authorities where applicable; Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
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. Source and check Source cdn.kolo.xyz Wording at the source 22.2.1. you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan, or Syria, or any other country subject to United States embargo, UN sanctions, the European Union... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets unknown
Number of supported assets unknown
Top-up networks unknown
Spending order unknown
Fiat top-up 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?

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

    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 What does [s] mean?

Promotion

  • 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.
    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 What does [s] mean?

Trust

AttributeValue
Issuer / BIN sponsor unknown
Program manager unknown
Headquarters Available in: Kazakhstan Source and check Source cdn.kolo.xyz Wording at the source Limited, a company registered in Kazakhstan, company number 221240900259 ("Hardline," Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels email Source and check Source cdn.kolo.xyz Wording at the source 21.6. Complaints and general queries. If you have any feedback or questions, contact us at [email protected]. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Company

Headquarters Kazakhstan Source and check Source cdn.kolo.xyz Wording at the source Limited, a company registered in Kazakhstan, company number 221240900259 ("Hardline," Checked Verified
Registered address Z05T3F6, Astana, Esil district, 55/18, Mangilik El, office 218, Kazakhstan Source and check Source kolo.xyz Wording at the source Registered address: Z05T3F6, Astana, Esil district, 55/18, Mangilik El, office 218, Kazakhstan Checked Verified

Security

Audits and certifications Other Source and check Source kolo.xyz Wording at the source ● Regular security audits and vulnerability assessments. Checked Verified

Transparency

Transparency 71 %

0 of 13 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

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    94/100
    23.6 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    80/100
    12.0 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    44/100
    4.4 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    93/100
    9.3 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % not scored
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % 100
    • TransparencyWeight 10 % 71
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

News

Recent news about Kolo from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 2 neutral, 0 negative

  1. cryptocardbasics Neutral Review
    Kolo card review — who it's for and what it really costs

    Assessment: Independent review of the Kolo card costs and risks; no new terms announced.

  2. Penchan Neutral Review
    Kolo Card Guide: Fees, BTC Rewards and Application

    Assessment: 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.

Early warning

Alerts for this card

We tell you what changes at Kolo Card and Kolo, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • New card image.

  • Score changed from 61.95 to 66.26.

  • Score changed from 63.56 to 61.95.

  • Score changed from 56.81 to 63.56.

  • Score changed from 55.81 to 56.81.

  • Changed: Referral bonus · You (referrer).

  • New card image.

  • Score changed from 62.45 to 55.81.

  • New: Referral bonus · You (referrer).

  • New: 2% Bitcoin cashback in the first month.

  • Changes to KYC levels and requirements.

  • Score changed from 61.5 to 62.45.

  • Changes to limits.

  • Headquarters: Kazakhstan.

  • Score changed from 59.83 to 61.5.

  • Score changed from 59.3 to 59.83.

  • New logo.

  • Changes to licences.

Apply for Kolo Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Kolo