Crypto card review
Kolo Card review: fees, limits and KYC
Kolo Card is a virtual card on the mastercard, visa network. It has no annual fee. It pays 0-2% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes US, Sanctioned.
Mastercard, VisaVirtualKYC required
Crypto card fees on Kolo Card, and what it offers
Three fields decide what Kolo Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of Free. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Kolo Card publishes an ATM limit of $500, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Mastercard, Visa | Virtual | Required | Free | Free | Free | 0-2% | $500 · per withdrawal | Apple Pay, Google Pay | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Kolo Card is available
The provider lists Global as supported, and excludes US, Sanctioned. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Kolo Card
The provider supports these assets directly on the card: btc, eth, eurc, ltc, usdc, usdt. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in BTC.
The trade-offs on Kolo Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- No top-up fee
- 0-2% cashback on spending
What costs you
- Identity verification required
- Virtual card only
- Not available in the United States
What people say about Kolo Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Kolo Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
Unfortunately, my experience with this crypto/finacial company turned out to be very unpleasant.I found that their services,in fact is not efficient nor aequate nor customer-friendly…
Ismail Balaban, trustpilot.com, rated 1/5
The best card I’ever had 🤍
Irina Osadchuk, trustpilot.com, rated 5/5
Most of the reviews here are fake. You can clearly see they paid for / bot it.In reality, Kolo is a CEX that steals users'…
Aditya T, trustpilot.com, rated 1/5
So good. I recommend.
pera simic, trustpilot.com, rated 5/5
Fraudulent Ledger Manipulation and Total Lack of SupportAvoid this app if you value your money. They processed 7 duplicate transactions on my account in an…
customer, trustpilot.com, rated 1/5
Everyone I had an experience with Kolo that really hurt me.I put all my retirement money, six hundred and twenty thousand dollars into Kolos system…
Amanda Campbell, trustpilot.com, rated 1/5
Be aware sometimes they will terminate account and wallet without notifications.
Elif Ǖpi, trustpilot.com, rated 1/5
It was the quickest onboarding with clear instructions and helpful support.
Slava Demchuk, trustpilot.com, rated 5/5
Never put in your money on this platform because you will never see it back anymore. I have experience terrible things with them because they…
Fatima Ohl, trustpilot.com, rated 1/5
For identity verification from Indonesia, please allow the use of Indonesian ID cards; do not limit it to passports only
Dandi Shorenk, trustpilot.com, rated 2/5
Cards to compare Kolo Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Tria Card | Visa | Virtual, Physical | Required | Free | Free | Free | 1.5-6% | — | Apple Pay, Google Pay | Yes |
| CoinZoom Card | Visa | Virtual, Physical | Required | Free | $10 | 1.99% | 0.5-5% | $1,000 | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
Kolo Card in context
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Cashback 0-2%, top-up Free, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.