Card to the Future
Illustration in the plan's colour, not the issuer's artwork

COCA Card

VisaSelf-custodyKYC fulldebit

COCA is a self-custody wallet with a Visa debit card (powered by Wirex) that spends from USD or EUR balances, plus a SEPA IBAN for residents of 28 European countries. Cashback runs from 1% (free Starter tier) to 8% (Elite, 30,000 COCA staked), but since Sep-2026 how much you can claim each month is limited by a Claim Capacity of $15 to $350.

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69Card Score, #17 of 36
$74You keep a year
D44Trust points of 100
100%Key fields with a source

Plans side by side

Starter
Standard
Standard+
Premium
Premium+
Elite
Price
Monthly priceFree7,2No subscription; higher tiers need locked COCA tokens insteadFree7,2No subscription; higher tiers need locked COCA tokens insteadFree7,2No subscription; higher tiers need locked COCA tokens insteadFree7,2No subscription; higher tiers need locked COCA tokens insteadFree7,2No subscription; higher tiers need locked COCA tokens insteadFree7,2No subscription; higher tiers need locked COCA tokens instead
Yearly priceFree7,2Free7,2Free7,2Free7,2Free7,2Free7,2
Virtual card feeFree1Free1Free1Free1Free1Free1
Physical card fee$51Physical card is $5 on Starter, Standard and Standard+, free from Premium$51$51Free1Free1Free1
Staking needed02,4300 COCA, 30 days2,4Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY1,000 COCA, 30 days2,4Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY3,000 COCA, 30 days2,4Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY10,000 COCA, 30 days2,4Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY30,000 COCA, 30 days2,4Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY
Other requirementsKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuerKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuerKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuerKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuerKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuerKYC26Identity verification required per review; issuer documents do not describe KYCNot confirmed by the issuer
Rewards
Cashback1%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands3%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands4%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands5%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands6%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands8%2,3,4Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands
Paid inStablecoin (USDC/EURC) credited to a USD or EUR balance3,4Stablecoin (USDC/EURC) credited to a USD or EUR balance3,4Stablecoin (USDC/EURC) credited to a USD or EUR balance3,4Stablecoin (USDC/EURC) credited to a USD or EUR balance3,4Stablecoin (USDC/EURC) credited to a USD or EUR balance3,4Stablecoin (USDC/EURC) credited to a USD or EUR balance3,4
Cashback cap a month$154This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months$254This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months$354This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months$604This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months$1404This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months$3504This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months
Earns onCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or EliteCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or EliteCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or EliteCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or EliteCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or EliteCard purchases, except excluded categories4,5Curve payments earn a flat 1% unless Premium+ or Elite
No cashback onCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without noticeCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without noticeCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without noticeCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without noticeCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without noticeCash and ATM withdrawals, Crypto purchases, Gambling and betting, Government and judicial payments (taxes, fines), Money transfers and financial institutions, Professional services and timeshares, Refunded or cancelled transactions5List of MCCs is not exhaustive and may change without notice
Vesting14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends414-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends414-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends414-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends414-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends414-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends4
PerksNo subscription rebates, Up to 50% off hotels via COCA Travel (per App Store listing)2,1350% rebate on 1 subscription category (streaming: Netflix, Disney+, Paramount+, YouTube), Up to 50% off hotels via COCA Travel (per App Store listing)6,2,1350% rebate on 2 categories (streaming; AI assistants: ChatGPT, Claude, Perplexity, Midjourney, Cursor), Up to 50% off hotels via COCA Travel (per App Store listing)6,2,1350% rebate on 2 categories (streaming; AI assistants), Priority support, Free physical card, Up to 50% off hotels via COCA Travel (per App Store listing)6,2,1350% rebate on 3 categories (streaming; AI assistants; music: Spotify), Priority support, Free physical card, Up to 50% off hotels via COCA Travel (per App Store listing)6,2,1350% rebate on 4 categories (streaming; AI assistants; music; marketplaces: Amazon Prime, Mercado Libre), Priority support, Free physical card, Can request higher card spending limit, Up to 50% off hotels via COCA Travel (per App Store listing)6,2,13
Fees
FX fee0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests0%7Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests
Crypto conversion fee0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests0%30,7Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests
Free ATM a month$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer$25013USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250Not confirmed by the issuer
ATM fee2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer2%18,26After the free allowance, per third parties; not in issuer documentsNot confirmed by the issuer
Limits
Limit per payment$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR
Spend limit a day$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR$30,0001,29EUR
Spend limit a month$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months$30,0001,29EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months
ATM limit a day$8501,29EUR; max 5 withdrawals per day$8501,29EUR; max 5 withdrawals per day$8501,29EUR; max 5 withdrawals per day$8501,29EUR; max 5 withdrawals per day$8501,29EUR; max 5 withdrawals per day$8501,29EUR; max 5 withdrawals per day
ATM limit a month$5,0001,29EUR$5,0001,29EUR$5,0001,29EUR$5,0001,29EUR$5,0001,29EUR$5,0001,29EUR

Real payments

FX markup paidPaymentscanAbout 1.9% over the Google market rate on an in-store purchase in PLN; may include a small undisclosed fee18
Conversion spread paidCryptonoshi, Nov-02, 2026Sell spread of about 0.6% when stablecoins are spent in a non-EUR currency, as reported by the review26
Conversion spread paidFinek, Sep-17, 2026In-app USD to EUR exchange costs 1.7% against the xe.com rate21
MeasuredFinek, Aug-19, 2026A EUR transfer into COCA was converted to USD with a loss of roughly 1%24

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$120
FX fee on foreign spend−$46
Net a year, Starter plan$74

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator8 of 25

CCA Labs FZCO, Dubai, publishes no licence. Wirex provides the card, but the terms do not name an issuer.11,10

Custody and fund protection12 of 20

Smart wallet the user controls, built on audited vendors, but no audit of COCA itself.16,15

Incidents in the last 24 months10 of 20

Cashback payouts were limited in Sep 2026. The swap service for COCA tokens was exploited for about $3.8M in Oct 2026.4,22

Track record and verified volume6 of 15

Live since 2024, physical cards only since 2026. No verified spend figure in our file.27

Published fees and terms6 of 10

Terms and docs are public, but the ATM fee appears only on third-party pages.1,12

Support and user sentiment2 of 10

Trustpilot 2.9 from 30 reviews, with recent complaints about locked funds and closed accounts.19,20

Company

Legal entityCCA Labs - FZCO, Dubai Digital Oasis, UAE (reg. DSO-FZCO-31557); App Store seller CCA LABS - FZCO11,13Terms governed by the law of England and Wales
HeadquartersUnited Arab Emirates11Registered office of the legal entity; press dateline for the 2024 launch was London
Websitecoca.xyz12

Issuer and licence

Card issuerWirex10,18Issuer help page says the card is provided in collaboration with Wirex; Paymentscan lists Wirex infrastructure. Terms and docs do not name an issuer
Program managerCCA Labs (COCA)11,27Card is powered by Wirex card infrastructure per the 2024 press release
NetworkVisa1,18
Card levelVisa Platinum26Per review; not stated by issuer

The card

Statuslive12,1
Launched2024-0127MPC wallet and debit card announced Jan-08, 2024; physical cards and Apple Pay arrived in Q1 2026 per roadmap
Typedebit26Described as a debit card on the issuer help page (COCA Debit Card Limits)
FormsVirtualPhysical1,7
Custodyself-custody16,14Docs say funds are held in a smart wallet the user controls (COCA 3.0, Q2 2026)
How custody worksPrivy-based wallet; deposits are held as wrapped USD/EUR tokens on Base and unwrapped at payment15,25The wrapper detail comes from a Finek post that studied transactions, not from COCA
KYCfull26
Minimum age1811
Settles inUSD or EUR7,3
Card currenciesUSDEUR7,3

Funding

Crypto acceptedUSDTUSDCEURC26Issuer docs say 'supported stablecoins' without listing tickers
ChainsArbitrumAvalancheBaseEthereumGnosisMonadNEAROptimismPolygonScrollSolanaStellarSuiTONTron26Varies by asset; USD deposits may support fewer
Fiat top-upSEPABank card7,8,14EUR SEPA IBAN for residents of 28 European countries; USD bank details (ACH) planned Q1-Q2 2027; SWIFT not supported per Paymentscan
Deposit feesCOCA charges no additional fees apart from network fees; SEPA reported free30,26Card top-up fee not published
Spends fromUSD or EUR balance (stablecoin deposits are converted 1:1 into the balance)7,25

Payments

Apple Pay1,7
Google Pay1,7
3-D Secure10,7Only SMS confirmation to the linked phone number is implemented
Online subscriptionsYes6Netflix, ChatGPT, Spotify and others earn rebates when paid by the card

Where it works

RegionsUnited KingdomEurope (EEA)Asia-PacificMiddle EastAfrica12
Countries761876 jurisdictions as of Sep-2026 per Paymentscan; Cryptonoshi lists 73
United States26
United Kingdom12,9
EEA12,9
Excluded countriesAfghanistanAfghanistanNorth KoreaNorth KoreaCongo - KinshasaCongo - KinshasaEritreaEritreaLibyaLibyaSomaliaSomaliaSouth SudanSouth SudanSudanSudanYemenYemenIraqIraqIranIranCubaCubaSyriaSyriaMaliMaliCentral African RepublicCentral African RepublicGuinea-BissauGuinea-BissauLebanonLebanon11Prohibited countries in the terms, plus any UN-sanctioned country; the US is also not served per Cryptonoshi

Account

IBANYes8,9Personal EUR IBAN via SEPA, only for residents of 28 European countries
Local accountsEUR (SEPA)9,14USD account details (ACH) planned Q1-Q2 2027
P2P transfersYes14COCA ID nicknames and card-to-card transfers
Yield on balance5%4Variable APY on USD balance up to a tier-dependent cap (cap not stated), 2% above it; paid only on manual claim; EUR balances earn none
Multi-currencyYes7USD and EUR balances, in-app exchange between them
OtherCrypto account with swaps and ETH staking; COCA Travel hotel discounts13,14

Security

Freeze card7
AuditsPrivy: Cure53, Zellic, Doyensec reviews; SOC 2 Type I and II, Morpho: OpenZeppelin, Spearbit reviews15These are audits of the vendors COCA builds on, not of COCA itself

App

App Store rating413
App Store ratings4013
App StoreOpen in App Store13
Google PlayOpen in Google Play12
LanguagesEnglishFrenchGermanItalianPortugueseSpanishTurkish26App Store listing shows English only
SupportSupport tickets (in app and web form)EmailDiscord12,26

Reputation

Trustpilot2.919
Trustpilot reviews3019Most 5-star reviews are brief and from 2024; recent detailed reviews are mostly negative
Common complaintsFunds or card inaccessible after an app update, slow support resolution, Account closures with funds not returned, Deposits or transfers held pending compliance checks, Cashback claim limit introduced in Sep-2026 cut payouts (Finek)19,20
Common praiseHigh cashback, Good conversion rates on card spending (user report), Self-custody model and salary IBAN19,28

Adoption

On-chain spend, last month$7,800,00026About $7.8M in Oct-2026, Paymentscan volume data as quoted by the review

Referrals

User referralsReferrer gets $20, new user gets $10 after ordering a card and spending $100 on at least 3 merchants within 30 days17Effective May-01, 2026

Incidents and changes

Oct 2026The NEAR Intents infrastructure used for swapping COCA tokens back to USDC was exploited for about $3.8M on Oct-01, 2026, just as many unstaking users were exiting; the funds were returned within two days.22,23hack
Sep 2026COCA made cashback unlimited in rate but limited how much can be claimed per month (Claim Capacity); Finek estimates payouts were cut by more than half, and many users left the COCA tier.20,4fee change

Regional differences

EEAaccount features.iban: EUR IBAN for residents of 28 European countries including UK9

More details

Subscription rebate rules50% back on the first eligible subscription per category each month, on up to $70 of each charge; the number of categories depends on the tier6,4
Claim Capacity boostersCapacity rises by $1 per 100 extra COCA staked, and boosters for card payments and loyalty are listed in the Q4 2026 roadmap2,14
In-app USD/EUR exchangeAvailable since Sep-2026; Finek measured 1.7% from the xe.com rate21
Leaving a tierCancel any time; tier benefits continue for a 30-day cooldown, then you drop to Starter and can claim the staked COCA back; partial unstaking is not possible2,4
Approximate cost of staking300 COCA is about EUR 250 and 30,000 COCA about EUR 25,000 on Nov-02, 2026; the token price moves26
Cashback pending period14 days; can be reversed if the purchase is refunded or flagged4

Quick answers

What does the COCA Card cost?

The Starter plan: Free a month, $5 for a physical card.

How much cashback does the COCA Card pay?

1% on the Starter plan, paid in Stablecoin (USDC/EURC) credited to a USD or EUR balance.

What is the COCA Card FX fee?

0% on the Starter plan.

Is the COCA Card custodial?

Self-custody. Privy-based wallet; deposits are held as wrapped USD/EUR tokens on Base and unwrapped at payment

Is the COCA Card available in the US, the UK and the EEA?

US: no. UK: yes. EEA: yes.

How much do you keep with the COCA Card?

$74 a year on the Starter plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. COCA docs: COCA Card (fees, limits), issuer, Nov-05, 2026
  2. COCA docs: Membership tiers, issuer, Nov-05, 2026
  3. COCA docs: 8% Cashback, issuer, Nov-05, 2026
  4. COCA help centre: Tier System Terms & Conditions, issuer, Nov-05, 2026
  5. COCA help centre: Cashback Exclusions, issuer, Nov-05, 2026
  6. COCA docs: 50%-off subscriptions, issuer, Nov-05, 2026
  7. COCA docs: Banking account overview, issuer, Nov-05, 2026
  8. COCA docs: IBAN, issuer, Nov-05, 2026
  9. COCA help centre: What bank accounts are available, issuer, Nov-05, 2026
  10. COCA help centre: Virtual card and physical card, issuer, Nov-05, 2026
  11. COCA terms of use, issuer, Nov-05, 2026
  12. COCA website, issuer, Nov-05, 2026
  13. COCA: Crypto Card & Wallet on the App Store, app store, Nov-05, 2026
  14. COCA docs: Roadmap 2026-2027, issuer, Nov-05, 2026
  15. COCA docs: Is COCA safe?, issuer, Nov-05, 2026
  16. COCA docs: Where is my money stored, issuer, Nov-05, 2026
  17. COCA help centre: Refer a Friend Campaign, issuer, Nov-05, 2026
  18. COCA on Paymentscan, paymentscan, Nov-05, 2026
  19. COCA on Trustpilot, trustpilot, Nov-05, 2026
  20. Finek, Sep-02, 2026: COCA cashback change, community, Nov-05, 2026
  21. Finek, Sep-17, 2026: COCA USD/EUR exchange, community, Nov-05, 2026
  22. Finek, Oct-01, 2026: COCA unstaking and NEAR Intents exploit, community, Nov-05, 2026
  23. Finek, Oct-02, 2026: NEAR Intents funds returned, community, Nov-05, 2026
  24. Finek, Aug-19, 2026: EUR transfer into COCA converted to USD, community, Nov-05, 2026
  25. Finek, Aug-08, 2026: How Wirex One and COCA work, community, Nov-05, 2026
  26. Cryptonoshi review, Last Updated Nov-02, 2026, review, Nov-05, 2026
  27. COCA and Wirex unveil MPC wallet with non-custodial debit card, Jan-08, 2024, press, Nov-05, 2026
  28. Finek chat, user report, Oct-12, 2026, community, Nov-05, 2026
  29. COCA help centre: COCA Debit Card Limits, issuer, Nov-05, 2026
  30. COCA help centre: Crypto fees and limits, issuer, Nov-05, 2026

Something wrong or out of date? Report it with a source.