KuCoin Card

#10 (out of 35) in Crypto Cards
#8 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Apple Pay is enabled
  • Popular Exchange = convenience of exchange + card in one place
  • No cashback yet
  • Poor customer service
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.83 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee




Daily Spending Limit

20,000 EUR

Daily ATM Withdrawal Limit

700 EUR

Crypto to Fiat Conversion

Auto on Every Purchase

Supported CountriesShow All
Supported Cryptocurrencies
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

KuCard will be offering cashback rewards soon, but it’s still in the works.

KuCoin Card is a Debit Card that Converts Your Crypto on Demand

KuCoin Card offers instant conversion to fiat 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.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

KuCoin Card is available solely in physical form, unlike 50% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

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

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Even though it's a physical-only card, KuCoin Card does have Apple Pay support, allowing you to pay with your phone instead of having to take out your wallet everytime.

How Does KuCoin Card Compare to Other Crypto Cards?

KuCoin Card ranks #8 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to KuCoin Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of KuCoin Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers a generous 20,000 EUR daily spend limit (other cards offer 11,000 EUR limit on average).
  • Solid company with a 9.5/10 company strength score (the average for all competing cards is 7/10).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
  • Their overall fee structure is incredibly budget-friendly, with a score of 7.4/10 (average fee structure rating amongst other cards is 5.5/10).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of KuCoin Card:

  • Doesn't offer any cashback (while other cards give an average of 5%).
  • Supports only 1 cryptocurrency, USDT - Tether (while other cards support an average of 20).
  • Their customer service is poor with a 5/10 score (competitors score 7.1/10 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. Crypto.com Card vs. Nexo Card

    KuCoin Card
    Crypto.com Card
    Nexo Card
    Monthly Fee 0.83 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 2% 2% 0.5%
    Crypto to Fiat Fee 0.2% 0.085% 0.0%
    Highest Cashback None up to 5% up to 2%
    Entry-Level Cashback None 1% 0.5%
    Daily Spending Limit 20,000 EUR 25,000 EUR 10,000 EUR
    Daily ATM Limit 700 EUR 2,000 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 1 22 64
    Apple Pay Enabled Enabled Enabled
    Customer Service Average Average Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Crypto.com Card offers the highest daily spending limit of 25,000 EUR. You will get lower daily limits with KuCoin 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, Crypto.com Card offers the best cashback rewards of up to 5%. The cashback rewards for Nexo Card are not as high. With KuCoin 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:
216.1714 USDT (200 EUR)
-0.4 EUR
KuCoin Crypto-to-Fiat Conversion Fee: 0.2%
-2 EUR
KuCoin ATM Withdrawal Fee: 2 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
194.6 EUR

Starting with an initial amount of 200 EUR in USDT, the ATM withdrawal with KuCoin Card will cost you a total of ~5.4 EUR (2.7% of 200 EUR), resulting in a final cash withdrawal of 194.6 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:
216.1714 USDT (200 EUR)
-0.4 EUR
KuCoin Crypto-to-Fiat Conversion Fee: 0.2%
-3.99 EUR
KuCoin Intl ATM Withdrawal Fee: 2%
-3.99 EUR
KuCoin Foreign Exchange Fee: 2%
-2 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.99 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 182.23 EUR)

For an international withdrawal using your KuCoin Card with an initial 200 EUR in USDT, you'll incur fees totaling ~17.37 EUR (8.7% of 200 EUR), leaving you with 182.23 EUR in the equivalent foreign currency.

Reality CheckOverall, KuCoin Card is 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~5.4 EUR (2.7% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~17.4 EUR (8.7% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 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 7.4% of 200 EUR.

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 5 cards listed there.

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

Helpful. 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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