KuCoin Card

#11 (out of 51) in Crypto Cards
#9 (out of 37) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Apple Pay is enabled
  • Convenience of popular exchange + card in one place
  • Poor customer service
  • Only 6 cryptocurrencies supported by the card
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.83 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 3%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

10 EUR

Daily Spending Limit

20,000 EUR

Daily ATM Withdrawal Limit

700 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (29)
Supported CryptocurrenciesBTCETHKCSUSDCUSDTXRP
KuCoin Card: Spend Crypto with Ease - Auto-Conversion at Point of Sale

KuCoin Card: Spend Crypto with Ease - Auto-Conversion at Point of Sale

KuCard Benefits and Rewards

KuCoin offers up to 3% cashback on purchases you make with the card, depending on your VIP tier:

Lockup Required Cashback Monthly Cap
VIP 0 0 USDT 1% (if BTC or ETH), 1.2% (if KCS) 10 EUR
VIP 0 10,000 USDT 1% (if BTC or ETH), 1.2% (if KCS) 20 EUR
VIP 0 20,000 USDT 1% (if BTC or ETH), 1.2% (if KCS) 30 EUR
VIP 1-4 1,000 KCS

(~9,700 EUR¹)

1.5% 700 EUR
VIP 5-7 40,000 KCS

(~387,600 EUR¹)

2.5% 700 EUR
VIP 11-12 100,000 KCS

(~968,900 EUR¹)

3% 700 EUR

Reality Check While KuCoin Card promotes up to 3% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 1.2% cashback, capped at 10 EUR per month.

Are other cards more generous at base tier? Yes, slightly:

KuCoin CardIndustry Average1
Entry Level Cashback1.2%1%
Entry Level Cashback Monthly Cap10 EUR15 EUR

KuCoin Card is a Debit Card

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

KuCoin Card differs from a traditional debit card, where the balance is linked directly to your bank account. Instead, with KuCoin, the card is connected to your chosen crypto coin balance on their platform.

Since KuCoin doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It Comes in Both Physical and Virtual Forms

You can get KuCoin Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsNo ATM Withdrawals
Required for Car Rentals, HotelsNo Tangible Asset
Useful When Phone Dies, or no WifiApple Pay Enabled: Virtual but In-Store Ready
Backup Payment MethodInstant Availability
Cost to Order:
10 EUR
Cost to Order:

Useful:Since KuCoin Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.

Crypto-to-EUR Conversion Cost with KuCoin Card

KuCoin Card Converts Your Crypto on Demand

KuCoin Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto to Fiat Conversion Fee0%
Sell Spread~1.25%
Transaction Fee
Total Crypto to EUR Cost~1.25%

Reality Check:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with KuCoin Card will cost you about the same (~1.25%).

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does KuCoin Card Compare to Other Crypto Cards?

KuCoin Card ranks #11 out of 51 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

We compared KuCoin Card with 36 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of KuCoin Card against its 36 competitors:

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers a generous 20,000 EUR daily spend limit (other cards offer 10,500 EUR limit on average).
  • Provides a substantial ATM widthdrawal allowance of 700 EUR per day (average amongst other cards is only 500 EUR).
  • Solid company with a 8.5/10 company strength score (the average for all competing cards is 6/10).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
  • Their overall fee structure is incredibly budget-friendly, with a score of 7.6/10 (average fee structure rating amongst other cards is 5.9/10).

Weakest Features Against Competitors

Compared to its 36 competitors, here are the shortcomings of KuCoin Card:

  • Their customer service is poor with a 5/10 score (competitors score 7.5/10 on average).
  • Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
  • KuCoin Card vs. Gnosis Card vs. Nexo Card

    KuCoin Card
    Gnosis Card
    Nexo Card
    Monthly Fee 0.83 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~1.25% 0% + Gas Fees ~0.75%
    Highest Cashback up to 3% None up to 2%
    Entry-Level Cashback 1.2% None 0.5%
    Daily Spending Limit 20,000 EUR 8,000 EUR 10,000 EUR
    Daily ATM Limit 700 EUR 500 EUR 2,000 EUR
    Foreign Exchange Fee 2% 0% 0.5%
    Asset Management Custodial Non-Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 6 2 63
    Apple Pay Enabled Not Enabled Enabled
    Customer Service Average Great Great
    Company Strength Strong Weak Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KuCoin Card offers the highest daily spending limit of 20,000 EUR. You will get lower daily limits with Gnosis Card and Nexo 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, KuCoin Card offers the best cashback rewards of up to 3%. The cashback rewards for Nexo Card are not as high. With Gnosis 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.

KuCoin Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your KuCoin Card:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-2.5 EUR
KuCoin Crypto-to-Fiat Conversion Cost: ~1.25%
-2 EUR
KuCoin ATM Withdrawal Fee: 2 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
192.5 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with KuCoin Card will cost you a total of ~7.5 EUR (3.8% of 200 EUR), resulting in a final cash withdrawal of 192.5 EUR in hand.

Doesn't KuCoin Card Offer Free ATM Withdrawals?

No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your KuCoin Card, here's what it will look like:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-2.5 EUR
KuCoin Crypto-to-Fiat Conversion Cost: ~1.25%
-3.95 EUR
KuCoin Intl ATM Withdrawal Fee: 2%
-3.95 EUR
KuCoin Foreign Exchange Fee: 2%
-1.98 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.95 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 180.67 EUR)

For an international withdrawal using your KuCoin Card with an initial 200 EUR in ETH, you'll incur fees totaling ~19.33 EUR (9.7% of 200 EUR), leaving you with 180.67 EUR in the equivalent foreign currency.

Reality CheckOverall, KuCoin Card is slightly cheaper than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:

Cost with KuCoin CardCost with Other Cards
Local ATM Withdrawals~7.6 EUR (3.8% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~19.4 EUR (9.7% of 200 EUR)~18.2 EUR (9.1% of 200 EUR)

From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested KuCoin's Customer Support

We asked KuCoin'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.

KuCoin offers support via the following channels:

Web Formhttps://kucoin.zendesk.com/hc/en-us/requests/new

Location: KuCoin customer service reps are located in Malaysia flagMalaysia, Singapore flagSingapore and United States flagUnited States.¹

Support Channel Our Interaction Score
(replied in
2 min)
Didn't understand a question about spread, then sent to another specialist, who didn't answer the question either.
Low Competence
Not Personalized
Adequate English, Professional Tone
Web Form
(replied in
16 h 44 min)
Quick initial reply, then 3 days more to answer a follow up question on the topic of disputes.
High Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 d 12 h )
Asked for extra time to lookup an answer to a simple question about 3DS security for KuCard.
High Competence
Not Personalized
Adequate English, Professional Tone
(replied in
14 h 31 min)
Didn't answer the question asked, even when the question was restated.
Low Competence
Not Personalized
Adequate English, Professional Tone
(didn't reply)
Sent 3 automated emails saying they're going to reply, but never did. (Waited 47 days)
No Response

To summarize,

Competence and Problem-Solving: KuCoin's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.

Customer Love: You will not get addressed by name and answers to your questions will be generic. KuCoin's customer support agents do not make an effort to personalize their replies.

Reply Speed: They sometimes do not reply at all. When they do reply, response times range from as quick as 2 minutes to as slow as 2 days.

Overall Customer Service Rating: 5/10

With this score, KuCoin's Customer Service is poor, comparing to other crypto cards, which score an average of 7.5/10.

KuCoin Referral Code - to Get 14 EUR Bonus

You can use referral code QBAJBLBH to get 15 USDT (~14 EUR¹) bonus when you create an account on KuCoin platform.

Here's how you can enter the referral code:

KuCoin referral code

..or, just click here.

Your bonus will be paid out to you in USDT (Tether USDt1), right after you trade your first 100$ worth of crypto.

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is KuCoin Card Available for Residents of United States?

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

KuCoin Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden.

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.

Yes. 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.

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