KuCoin Card
- Apple Pay is enabled
- Convenience of popular exchange + card in one place
- Poor customer service
- Only 6 cryptocurrencies supported by the card
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.83 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.25% |
| Highest Cashback | up to 3% |
| Entry-Level Cashback | 1.2% |
| Entry-Level Cashback Monthly Cap | 10 EUR |
| Daily Spending Limit | 20,000 EUR |
| Daily ATM Withdrawal Limit | 350 EUR |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSpainSweden |
| Supported Cryptocurrencies | BTCETHKCSUSDCUSDTXRP |
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
(~7,300 EUR¹) |
1.5% | 100 EUR |
| VIP 5-7 | 40,000 KCS
(~289,300 EUR¹) |
2.5% | 200 EUR |
| VIP 11-12 | 100,000 KCS
(~723,100 EUR¹) |
3% | 250 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 Card | Industry Average1 | |
| Entry Level Cashback | 1.2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 20 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 Withdrawals | No ATM Withdrawals |
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | Apple Pay Enabled: Virtual but In-Store Ready |
| Backup Payment Method | Instant Availability |
Cost to Order: 10 EUR | Cost to Order: 0 EUR |
Useful:Since KuCoin Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.
The back of KuCoin Card
| Card Issuer | Wallester |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 47436910 |
| Validity Period | 3 years |
| Issuing Country | Estonia |
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 Fee | 0% |
| Sell Spread | ~1.25% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1.25% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with KuCoin Card is much more cost-effective (~1.25%). This means that you will get more EUR for your crypto when using this card.
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 #18 out of 61 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared KuCoin Card with 41 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 41 competitors:
- Solid company with a 8.5/10 brand authority 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 60% of competing crypto cards require you to preload card in advance).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~1.25% (versus an average of ~1.8% with other cards.)
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of KuCoin Card:
- Daily spend is capped at 20,000 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Their customer service is poor with a 5/10 score (competitors score 7.6/10 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. Utorg Card vs. Nexo Card
KuCoin Card
|
Utorg Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.83 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.25% | ~0.5% + 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 | 50,000 EUR | 10,000 EUR |
| Daily ATM Limit | 350 EUR | N/A (Virtual-Only Card) | 2,000 EUR |
| Foreign Exchange Fee | 2% | 0% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 6 | 3 | 83 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Average | Great | Great |
| Brand Authority | Well-Known | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Utorg Card offers the highest daily spending limit of 50,000 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, KuCoin Card offers the best cashback rewards of up to 3%. The cashback rewards for Nexo Card are not as high. With Utorg 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:
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:
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 Card | Cost 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) | ~18.4 EUR (9.2% 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:
| Chat | https://www.kucoin.com/support |
| support@kucoin.com | |
| Web Form | https://kucoin.zendesk.com/hc/en-us/requests/new |
| Telegram | https://t.me/Kucoin_Exchange |
| Discord | https://discord.gg/kucoinofficialserver |
Location: KuCoin customer service reps are located in 
Malaysia, 
Singapore and United States.¹
| Support Channel | Our Interaction | Score |
Chat (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 4/10 |
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 8.5/10 |
Email (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 8.5/10 |
Email (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 4/10 |
Email (didn't reply) | Sent 3 automated emails saying they're going to reply, but never did. (Waited 47 days) | No Response 0/10 |
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 7.6/10.
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:
..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 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
That Helps. What's My Next Step?
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.
