COCA Card
- Non-custodial, you control your assets
- Generous daily spend limit
- Virtual-only card with no Apple Pay
- Can only be used for online payments
- Only 2 cryptocurrencies supported
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Not 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 Countries | AustraliaAustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHong KongHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNew ZealandNorwayPhilippinesPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenTaiwan |
| Supported Blockchains | AvalancheBinance Smart ChainEthereumPolygon |
| Supported Cryptocurrencies | USDCUSDCEUSDTUSDTE |
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 30% 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 Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No 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 to Fiat Conversion Fee | 0% |
| Broker Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to EUR Cost | ~0.5% + Gas Fees |
Low Cost:Compared to the average ~1.8% 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 #55 out of 63 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 #14 out of 15 amongst Non-Custodial Crypto Cards.
Weakest Features Against Competitors
Compared to its 42 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%).
- Daily spend is capped at 30,000 EUR (while other cards offer 37,000 EUR daily spend limit on average).
- 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 7.2/10 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 30% of competing crypto cards offer both physical and virtual cards).
COCA Card vs. OWNR Card vs. Unbanked Card
COCA Card
|
OWNR Card
|
Unbanked Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 1.50 EUR | 5.00 EUR |
| Crypto to Fiat Cost | ~0.5% + Gas Fees | ~4.64% | 0% |
| Highest Cashback | None | None | None |
| Entry-Level Cashback | None | None | None |
| Daily Spending Limit | 30,000 EUR | 2,500 EUR | 7,500 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 500 EUR | 500 EUR |
| Foreign Exchange Fee | 0% | 2% | - |
| Asset Management | Non-Custodial | Non-Custodial | - |
Availability for  United States |
|||
| Supported Cryptocurrencies | 4 | 0 | 0 |
| Apple Pay | Not Enabled | Enabled | Not Enabled |
| Customer Service | Average | Bad | Bad |
| Brand Authority | Less-Known | Less-Known | Less-Known |
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 OWNR Card and Unbanked 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. All three cards offer the same cashback rewards of None. With COCA Card, OWNR Card and Unbanked 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:
| support@coca.xyz | |
| Discord | https://discord.com/invite/AVxksnCubn |
Location: Coca Wallet customer service reps are located in 
United Kingdom and 
Ukraine.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 7.2/10.
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 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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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.
