Pryvit. 😉
If you're from Ukraine, here are 5 crypto cards that will accept your registration.
TLDR: No time to read everything? Skip down to the one best card we recommend for Ukraine, based on all the analysis and criteria.
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EUR
Apple Pay
up to 8% cashback
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USD
Apple Pay
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EUR
Apple Pay
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EUR
Apple Pay
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EUR
Apple Pay
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How Much Is the Foreign Exchange Fee to Use These Cards in Ukraine?
Since these cards are denominated in EUR or USD, every time you spend in Ukraine, your payment needs to be converted into Ukrainian Hryvnia first. Your card will charge an FX fee when converting to UAH.
Here's how they compare when it comes to foreign exchange (FX) fees.
* Visa and Mastercard charge around ~1% on top of the card's FX fee.
Example: ZEN charges 0.5% foreign exchange fee. On a 450.00 Hryvnias purchase, you pay ₴450,00 + ₴2,25 foreign exchange fee + ₴4,50 Mastercard foreign exchange fee = ₴456,75.
When a payment terminal asks, choose the local currency, Hryvnias. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.
Which Crypto Cards offer Physical cards for Ukraine?
Here are all the crypto cards that offer a physical card in Ukraine:
Here are all crypto cards that support Ukraine but DO NOT offer a physical card:
How Much Cashback Do These Crypto Cards Pay?
Out of the 5 crypto cards available in Ukraine, 1 offers cashback.
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
Below you will see the entry-level cashback rate instead: what you can earn on the Free tier.
COCA
8%
capped at €300 a month
COCA
₴15 559
1% cashback
COCA
1%
capped at ₴15 559 a month
COCA
1%
free tier
₴220
monthly cap reached
capped at ₴15 559 a month
up to 8%
COCA Card offers 1% - 8% cashback, with higher rewards available if you stake COCA tokens and unlock loyalty tiers. At the highest tier, cashback can go as high as 8%, which places it among the highest cashback rates in the crypto card space.
Your cashback is paid in stablecoins and is distributed by the 10th of each month.
COCA also offers 50% cashback on popular subscription services, including Netflix, Spotify, ChatGPT, or YouTube Premium - with higher tiers unlocking more options.
Plus, COCA gives you access to the COCA Travel platform, where you can book hotels with discounts of up to 50% on standard rates.
Reality Check While COCA Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 300 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, COCA Card offers more value for the entry-level user, than most competitors:
| COCA Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 300 EUR | 50 EUR |
Here are COCA's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
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Starter Tier |
Standard Tier |
Standard+ Tier |
Premium Tier |
Premium+ Tier |
Elite Tier |
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| Price | €0 | 300 $COCA staked (~ €373 to stake) |
1,000 $COCA staked (~ €1,245 to stake) |
3,000 $COCA staked (~ €3,734 to stake) |
10,000 $COCA staked (~ €12,445 to stake) |
30,000 $COCA staked (~ €37,335 to stake) |
| Cashback | 1% (€300 cap) |
3% on €1,000, then 1% (€320 cap) |
4% on €1,750, then 1% (€350 cap) |
5% on €2,500, then 1% (€400 cap) |
6% on €5,000, then 1% (€550 cap) |
8% on €10,000, then 1% (€1,000 cap) |
| 50% back on subs | - | 1 app Movies |
2 apps Movies AI |
2 apps Movies AI |
3 apps Movies AI Music |
4 apps Movies AI Music Shopping |
| Boosted Yield on Earn | - |
Cashback is paid on the amount you spend, and most cards limit how much you can earn. Some publish a monthly cap, and the figure above stops there. Others advertise a rate that only applies to the first slice of your monthly spend, then drop to a much lower ongoing rate - that drop is applied above too. Either way, a headline rate on its own tells you very little.
Here are all crypto cards that support Ukraine but DO NOT offer cashback:
Is There an Ideal Crypto Card for Ukraine?
To help you pick the best card, here goes. You should look at cards that have no monthly fee and no foreign exchange fee, let you spend without limits, pay you cashback, come with a physical card, and work with Apple Pay.
1 of the 5 crypto cards you can get in Ukraine ticks all 6 boxes:
| No Monthly Fee | 0% Foreign Exchange Fee | Unlimited Spend | Offers Cashback | Has Physical Card | Has Apple Pay | ||
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COCA
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: yes | Has Physical Card: yes | Has Apple Pay: yes | Go to Site Our Review7.5 |
 Tuyo
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review7.4 |
 Utorg
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: yes | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review7 |
 Trustee
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No Monthly Fee: yes | 0% Foreign Exchange Fee: yes | Unlimited Spend: no5,000 EUR | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.1 |
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ZEN
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no0.5% | Unlimited Spend: no10,000 EUR | Offers Cashback: no | Has Physical Card: yes | Has Apple Pay: yes | Go to Site Our Review5.6 |
COCA ticks every box. Tuyo comes close, but it has no cashback and no physical card. Utorg comes close, but it has no cashback and no physical card.
Best for Ukraine: If you're from Ukraine, the best card for you to use, based on the above, is COCA Card.
FOR UKRAINE READERS
Know a Card Available in Ukraine That We Missed?
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