Starter
- Cashback
- 1% (no limit)
- Card material
- Standard plastic
- FX free limit
- Unlimited
- ATM free
- $250/month
- Monthly limit
- €30,000
- Issuance fee
- €0 virtual, €20 physical
- Requirements
- 0 COCA staked
- Basic support
- Free worldwide shipping
Rewards hunterWirex Limited (UK) and UAB Wirex (EEA)mastercard● Live
COCA Card
Hybrid-custody prepaid Visa/Mastercard with EUR IBAN accounts and tiered cashback up to 8%.
COCA Card is a self-banking app with unified banking, a crypto wallet, and high-reward Visa/Mastercard cards. The COCA 3.0 version adds EUR IBAN accounts, real-time APY on USD balances, and support for more merchants and countries. It features tiered crypto cashback, free monthly ATM withdrawals, and no card or FX fees in supported regions.
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Best for
European residents seeking high rewards (up to 8%) and EUR IBAN functionality.
Skip if
You reside in the US/Canada or require APY on EUR balances.
Network
mastercard
Custody
hybrid
KYC
full
Max cashback
8%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Up to 8% cashback across 6 tiers.
- 5% APY on USD balances.
- 0% fees on card purchases and FX.
- 50% rebates on Netflix, Spotify, ChatGPT Plus.
Watch outs
- 0% APY on EUR balances.
- App stability issues reported after COCA 3.0.
- EUR IBANs not available in all 75 countries.
- Requires COCA 3.0+ app for full features.
- Offers up to 8% cashback and 5% APY on USD balances.
Basic information
The COCA Card is a prepaid card that enables users to spend stablecoins at over 150 million merchants worldwide while offering comprehensive banking services through COCA 3.0. Operating as a self-banking platform, COCA combines crypto wallet functionality, traditional banking features, and rewards in a single application.
- Card Name: COCA Card
- Card Network: Prepaid Visa (primary) / Mastercard (legacy/regional)
- Card Type: Prepaid Debit Card
- Card Issuer: Wirex (FCA-authorized Electronic Money Institution, FRN 902025)
- Card Format: Virtual (instant) and Physical (plastic)
- Merchant Acceptance: 150+ million merchants worldwide accepting Visa/Mastercard
- Mobile Wallet Integration: Apple Pay, Google Pay, Samsung Pay (direct integration)
Fees
- Card Issuance (Virtual): €0 (free for all tiers)
- Card Issuance (Physical): $5 for Starter/Standard/Standard+; Free for Premium/Premium+/Elite
- Annual/Monthly Maintenance: €0 (no recurring fees)
- Inactivity Fee: €5 per month (after 12 months of inactivity)
Transaction Fees
- Purchase Transactions: 0%
- Crypto-to-Fiat Conversion: 0% explicit fee (~0.5% spread in practice)
- Foreign Exchange (FX): 0% (no markup on international transactions)
- ATM Withdrawals: Free up to $200-250 per month, 2% thereafter
- SEPA Transfers: €0 (free EUR transfers within supported countries)
Spending and Withdrawal Limits
- Daily Spending: €30,000
- Monthly Spending: €30,000
- Daily ATM Withdrawal: €850
- Monthly ATM Withdrawal: €5,000
Spending & ATM limits
- Notes
- 3-month spending limit: €75,000; 6-month spending limit: €100,000; Max 15 transactions per day; Max 5 ATM transactions per day
- Atm Daily
- €500
- Atm Monthly
- €5,000
- Daily Spending
- €30,000
- Per Transaction
- €30,000
- Monthly Spending
- €30,000
Features
- Up to 8% cashback on all purchases (6 tiers from Starter to Elite)
- 50% rebates on subscriptions across 4 categories (Streaming, AI Assistants, Music, Marketplaces)
- Zero fees for card issuance, annual maintenance, and foreign exchange
- €30,000 daily spending limit with unlimited transactions
- Personal EUR IBAN accounts with SEPA support (COCA 3.0)
Banking & Financial Services
COCA 3.0 provides personal EUR IBAN accounts for eligible users in supported European countries, enabling SEPA transfers, salary deposits, and bill payments. It also introduces a unified Banking Account balance that consolidates SEPA deposits, card top-ups, and stablecoin conversions into a single spendable balance, eliminating the need for manual conversion before spending. USD accounts with ACH support are announced for future release.
Rewards
COCA Card offers a 6-tier cashback program based on COCA token staking. Cashback is paid in stablecoins. For tiers above Starter, spending beyond the monthly cap earns a fallback rate of 1%. Users also earn 5% APY on USD balances up to tier-specific caps. Additionally, the card provides 50% rebates on popular subscription services, with access determined by tier.
| Tier | Rate | Up to |
|---|---|---|
| Starter | 1% | — |
| Standard | 3% | $1,000 |
| Standard+ | 4% | $1,750 |
| Premium | 5% | $2,500 |
| Premium+ | 6% | $5,000 |
| Elite | 8% | $10,000 |
Availability
Available in 52 countries across Europe (36 countries), Asia-Pacific (10 countries), and Latin America (7 countries). Key regions missing: United States, Canada, Australia, Japan, South Korea.
Top-up & funding
- Stablecoin deposit (USDT, USDC, EURC, EURS)
- In-app manual conversion
- Direct deposit to card address (auto-converts to EUR)
Instant conversion
Security & custody
- MPC (Multi-Party Computation) security
- Two-party key model
- Biometric authentication
- EMV chip technology
- Contactless payment
- PIN protection
- 3D Secure (3DS) for online transactions
- Card freeze capability
- Private key export option
Risk note. While marketed as non-custodial, the MPC model creates a dependency on COCA's servers to co-sign transactions. If the company disappears, funds may be inaccessible as the recovery phrase only works within the COCA app.
Mobile wallets
Apple Pay—
Google Pay—
Samsung Pay—
Card tiers
Standard
- Cashback
- 3% on first $1,000/month, then 1%
- Card material
- Standard plastic
- FX free limit
- Unlimited
- ATM free
- $250/month
- Monthly limit
- €30,000
- Issuance fee
- €0 virtual, €20 physical
- Requirements
- 300 COCA staked
- Basic support
- Free worldwide shipping
Premium
- Cashback
- 5% on first $2,500/month, then 1%
- Card material
- Standard plastic
- FX free limit
- Unlimited
- ATM free
- $250/month
- Monthly limit
- €30,000
- Issuance fee
- €0 virtual, Free physical
- Requirements
- 3,000 COCA staked
- Priority support
- Free worldwide shipping
Elite
- Cashback
- 8% on first $10,000/month, then 1%
- Card material
- Standard plastic
- FX free limit
- Unlimited
- ATM free
- $250/month
- Monthly limit
- €30,000
- Issuance fee
- €0 virtual, Free physical
- Requirements
- 30,000 COCA staked
- Priority support
- Free worldwide shipping
What users say
App Store
4.0/5.0 (22 ratings)
Mixed - positive early reviews for rewards and interface, but many one star ratings since late 2024 citing app bugs and signup issues
Risks & limitations
Risks
- CounterpartyVendor lock-in risk - if COCA's servers are offline or company shuts down, Recovery Phrase alone will not let users restore and spend funds in another wallet
- CounterpartyNot fully non-custodial as advertised - users cannot transact without COCA's servers co-signing
- CounterpartyFiat loaded on card is held by Wirex under e-money safeguarding rules and is not directly recoverable without the issuer
- MarketToken value risk - cashback rewards' ultimate value depends on COCA token's market performance which can fluctuate
- RegulatoryService availability subject to change based on regulatory developments - COCA cannot guarantee service continuity in regions facing regulatory changes
Limitations
- majorNot available in North America (US and Canada) and most of Asia/Africa
- moderateSupports only stablecoins (USDT, USDC, EURC, EURS) - no native crypto spending
- moderateRequires manual conversion before spending (no auto-conversion at point of sale)
- minorApple Pay and Samsung Pay require Curve workaround
- majorMPC wallet creates vendor lock-in - cannot access funds without COCA
- majorRecovery Phrase cannot be used outside COCA's ecosystem
- moderateMobile app and Telegram mini-app reported to have bugs in recent reviews
- moderateNon-straightforward signup process due to recovery phrase handling and bugs
- minorATM withdrawals and cash transactions do not earn cashback
- moderateMany one star ratings in Google app store starting from late 2024
- minorNon accessible Discord channel
Latest updates
- October 24, 2025Google Pay IntegrationYou can now link your COCA Visa Card to Google Pay.
- September 1, 2025COCA Version 2.0 LaunchCOCA launches Version 2.0 of their program.
- July 10, 2025Cashback Currency ChangeCOCA Card now pays cashback in USDT instead of COCA.
Roadmap
Recently shipped
- Google Pay direct integration (October 2025)
- COCA Version 2.0 launch (September 2025)
- Cashback now paid in USDT instead of COCA (July 2025)
Planned
- Universal Gas Token (UGT) for gasless transactions
- Enhanced governance features through veCOCA
- Continued expansion of direct mobile wallet integration
- Possible expansion of supported cryptocurrencies
Best suited for
Crypto-native users who prioritize shared-custody security, stablecoin holders wanting everyday spending options, international travelers benefiting from zero FX fees, and reward maximizers seeking substantial cashback on regular spending.
Our verdict
The COCA Card represents a significant evolution in crypto-banking integration with the launch of COCA 3.0, transforming from a crypto card service into a comprehensive self-banking platform. The addition of personal EUR IBAN accounts, SEPA transfers, and a unified banking balance addresses many previous limitations while maintaining industry-leading rewards of up to 8% cashback and 50% subscription rebates across multiple categories. The platform's strengths are substantial: exceptional cashback rates across a 6-tier structure, comprehensive banking services for European users, 5% APY on USD balances, and zero fees on most transactions. The integration of traditional banking features with crypto functionality creates a compelling value proposition for users seeking to bridge both financial worlds.
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