COCA Card

#46 (out of 54) in Crypto Cards
#11 (out of 12) in Non-Custodial Crypto Cards
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4.9
Overall Rating
CRITERIA:
Brand Authority
3
Fees and Limits Structure
6.6
Customer Service
5.1
PROS:
  • Non-custodial, you control your assets
  • Generous daily spend limit
CONS:
  • Virtual-only card with no Apple Pay
  • Can only be used for online payments
  • Only 2 cryptocurrencies supported
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

5.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost

~0.5% + Gas Fees

Cashback

None

Daily Spending Limit

30,000 EUR

Daily ATM Withdrawal Limit

N/A (Virtual-Only Card)

Foreign Exchange Fee

0%

Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Non-Custodial (connect your own wallet)

Supported CountriesShow All (35)
Supported Blockchains
Supported CryptocurrenciesUSDCUSDCEUSDTUSDTE
COCA Card: virtual-only crypto card with a generous €30,000 daily limit

COCA Card: virtual-only crypto card with a generous €30,000 daily limit

COCA Card Benefits and Rewards

COCA card does not offer cashback rewards or any additional incentives for using the card.

COCA Card is a Prepaid Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

COCA Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use. It should be noted that Coca Wallet doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It's Issued Solely in Virtual Form, Lacking a Physical Version

COCA Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.

Wondering about the pros and cons of virtual-only format? Here are some highlights:

No Physical Card
Virtual Card
No ATM WithdrawalsInstantly Available, No Waiting for Mail
No Card when Hotels or Car Rentals Require itIdeal for Online Purchases
No Card When Phone Dies or no InternetEnvironmentally Friendly
No Feel-Good Backup Payment MethodNo Tangible Item to Misplace

Not so Great:Since COCA Card doesn't support Apple Pay and doesn't have a physical card version, you will only be able to use this card for online purchases.

Crypto-to-EUR Conversion Cost with COCA Card

COCA Card Requires Pre-Load

Before you can use your COCA Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.

Crypto
Crypto to Fiat Conversion Fee0%
Broker Sell Spread~0.5%
Load Fee0%
Transaction Fee
0%
Gas Feesvary
Total Crypto to EUR Cost~0.5% + Gas Fees
EUR

Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with COCA Card is much more cost-effective (~0.5% + Gas Fees). This means that you will get more EUR for your crypto when using this card.

From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does COCA Card Compare to Other Crypto Cards?

COCA Card ranks #46 out of 54 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

In addition, COCA Card ranks #11 out of 12 amongst Non-Custodial Crypto Cards.

Strongest Features Against Competitors

Here are the strongest features of COCA Card against its 37 competitors:

  • Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
  • Offers a generous 30,000 EUR daily spend limit (other cards offer 23,500 EUR limit on average).
  • This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.

Weakest Features Against Competitors

Compared to its 37 competitors, here are the shortcomings of COCA Card:

  • Apple Pay isn't enabled (while 70% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Supports only 4 cryptocurrencies (while other cards support an average of 20).
  • Lesser-known company with a 3/10 brand authority score (the average for all competing cards is 6/10).
  • Their customer service is poor with a 5.1/10 score (competitors score 7/10 on average).
  • Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
  • Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
  • COCA Card vs. Onboard Card vs. Holyheld Card

    COCA Card
    Onboard Card
    Holyheld Card
    Monthly Fee 0.00 EUR 0.00 USD 0.00 EUR
    Crypto to Fiat Cost ~0.5% + Gas Fees ~0.35% + Gas Fees ~0.5%
    Highest Cashback None None up to 1%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 30,000 EUR 5,000 USD 10,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) N/A (Virtual-Only Card) 5,000 EUR
    Foreign Exchange Fee 0% 2% + $0.5 0%
    Asset Management Non-Custodial Non-Custodial Non-Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 4 2 1201
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Average Great Great
    Brand Authority Less-Known Less-Known Growing

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. COCA Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Onboard Card and Holyheld Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Holyheld Card offers the best cashback rewards of up to 1%. With COCA Card and Onboard Card, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

We Tested Coca Wallet's Customer Support

We asked Coca Wallet's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Coca Wallet offers support via the following channels:

Emailsupport@coca.xyz
Discordhttps://discord.com/invite/AVxksnCubn

Location: Coca Wallet customer service reps are located in United Kingdom flagUnited Kingdom and Ukraine flagUkraine.¹

Support Channel Our Interaction Score
Email
(replied in
22 h 17 min)
Polite and professional response to a question about a referral program.
High Competence
Highly Personalized
Flawless English, Professional Tone
10/10
Email
(replied in
32 min)
Good explanation about blockchain gas fees, helpful response.
High Competence
Not Personalized
Adequate English, Informal Tone
8/10
Discord
(didn't reply)
Never replied to a Discord Ticket, maybe that system isn't used. Waited for 12 days.
No Response
0/10
Email
(replied in
3 d 3 h )
Detailed reply to multiple questions about the card, but didn't reply to a follow up question.
Late Reply
High Competence
Somewhat Personalized
Flawless English, Professional Tone
7.5/10
Email
(didn't reply)
Never replied to a question about fees when adding funds to the card. Waited for 10 days.
No Response
0/10

To summarize,

Competence and Problem-Solving: Coca Wallet's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.

Reply Speed: They sometimes do not reply at all. When they do reply, response times range from as quick as 32 minutes to as slow as 3 days.

Overall Customer Service Rating: 5.1/10

With this score, Coca Wallet's Customer Service is poor, comparing to other crypto cards, which score an average of 7/10.

Is COCA Card Available for Residents of United States?

No, COCA Card is not available for residents of United States.

COCA Card supports the following countries: Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Taiwan.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Noted. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
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