COCA Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
COCA Card suits crypto holders who want their balance to earn while they spend, rather than traders chasing exchange rebates. The monthly fee of €0, a currency conversion fee of 0% and cashback of 8% make everyday use cheap, though help centre and community is thin for anyone who wants to call.
Key facts
- Best for
- Crypto holders who want a self-custody balance, cashback and yield in one card account.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- $250↗
- Card type
- Debit↗
- Cashback rate
- 8%↗
- Card network
- Visa↗
- Custody
- Self custody↗
- Legal entity
- CCA Labs - FZCO↗
- Headquarters
- United Arab Emirates↗
- Support channels
- Help-centre, Community↗
- Features
- Crypto, Virtual card, Self-custody, Travel
- Official website
- coca.xyz
Crypto earn
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Xmedium.com
Pros and cons
Pros
- A monthly fee of €0 and a currency conversion fee of 0% make the card cheap to hold and to spend abroad.
- Cashback of 8% pays on card spend, and a balance yield of 5% pays on top of it.
- Custody is self custody, so keys stay with the account holder rather than a third party.
- No lockups means the balance can be moved or spent at any time, with Bitcoin, Ethereum and Solana available.
- Free ATM withdrawals of $250 cover casual cash needs on a Visa network of visa.
Cons
- Support runs on help centre and community only, so there is no direct line for account problems.
- Coverage is limited to Bitcoin, Ethereum and Solana, a small list next to rivals.
- Free ATM withdrawals of $250 sit below the median of €0 across the brands listed here.
Who it suits
- Crypto holders who already keep funds in self-custody and want a card attached to that balance
- Anyone who spends in several currencies and wants a currency conversion fee of 0%
- Savers who want a yield of 5% on a balance they can still spend
Who should look elsewhere
- Travelers who need a large free ATM allowance, where Wise is a better fit
- People who want to reach a person quickly, since Wise offers more support channels
- Buyers who need a long list of assets, where this card covers Bitcoin, Ethereum and Solana only
Using it day to day
The card is a debit card on the visa network, so it works wherever Visa is accepted and draws directly on the account balance. Cash withdrawals are covered with $250 in free ATM withdrawals, which is enough for occasional cash but not for frequent trips to the machine. Spending earns cashback of 8%, and the balance can also earn a yield of 5% while it sits in the account. The account itself is a mobile wallet, so the card and the balance are managed from the phone. Virtual card options sit alongside the physical card for online shopping. Support runs on help centre and community, which means day to day help sits with the help centre and the community rather than with a person on the phone. Backup for the account is handled through a recovery service.
Trading and withdrawal fees
The banking account carries a monthly fee of €0, so the card itself adds nothing to hold each month. Currency conversion is charged at 0%, which is the number that matters most for anyone spending away from home: there is no foreign transaction markup on top of it. Cash withdrawals are the other cost line, with $250 in free ATM withdrawals included. Balances can be left in the account without a fixed term, since lock-up terms are No lockups, and the card pays a yield of 5% on top of that. Cashback of 8% applies to card spend.
Where it sits among rivals
On monthly fee the card ranks 1 of 379 brands, sharing the no monthly fee ground with rivals such as Monzo Flex at £0 and Wise at £0. A monthly fee of €0 is the norm rather than an edge. Currency conversion is where the card leads: it ranks 1 of 237 brands on that measure, with a fee of 0%. Free ATM withdrawals rank 17 of 104, so the $250 included is a mid-table allowance rather than a headline one. Strong on conversion, ordinary on everything else.
Using it abroad
Currency conversion runs at 0%, so foreign spending does not carry a markup on the exchange rate. That makes the card a straightforward choice for a trip where paying by card is easier to manage than carrying cash. The visa network is accepted widely outside the home market, and cash is available on arrival through $250 in free ATM withdrawals. Beyond that allowance, withdrawals cost more, so the card serves better as the main spending method abroad than as a way to pull large amounts of local currency. The balance that funds the spending stays in self-custody.
Who runs it
The card is issued by CCA Labs - FZCO, registered in the AE, which is the entity named in the terms. That structure sits outside the retail deposit protection schemes familiar in the UK and the EU, so funds held in the account should be treated as money you hold yourself rather than money parked with a licensed bank. Support runs on help centre and community. There is a help centre for written questions and a community for everything else, and no direct phone or chat line is listed. Anyone who prefers to deal with a person on a banking problem may find that a drawback.
How COCA Card compares
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COCA Card vs Skrill9.4 vs 8.1
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COCA Card vs CoinJar9.4 vs 8.8
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Where COCA Card is available
- Available
- Andorra, Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Chile, Colombia, Croatia, Cyprus, Czechia, Denmark, Ecuador, Estonia, Finland, France, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Monaco, Montenegro, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, Thailand, United Kingdom, Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee for the COCA Card?+
No. The banking account behind the card carries a monthly fee of €0, so holding it costs nothing each month. Currency conversion is charged at 0%, and card spend earns cashback of 8%. The account is a mobile wallet, so there is no separate software to buy or download.
What is the cashback rate and what does it pay on?+
Card spend earns cashback of 8%. That sits on top of a balance yield of 5%, so the money can earn while it is held and still be spent through the card. Lock-up terms are No lockups, so the balance can be moved or withdrawn without waiting out a term.
Does the account hold my crypto in custody?+
Custody is self custody, which means the account holder keeps control of the keys rather than depositing them with a third party. Backup for access is handled through a recovery service, which is worth weighing against holding a recovery phrase offline. The assets available are Bitcoin, Ethereum and Solana.
How much can I withdraw from ATMs for free?+
Free ATM withdrawals total $250. The card runs on the visa network, so cash withdrawals are possible wherever Visa ATMs are found. For longer trips and more frequent cash needs, Wise offers a larger allowance alongside a £0 monthly fee.
What are the fees for spending in another currency?+
Currency conversion is charged at 0%, with no additional foreign transaction fee listed on top. That rate is the main reason to pick this card for spending abroad, and the card ranks 1 of 237 brands on conversion. The card type is debit on the visa network.
Who issues the card and where is it registered?+
The issuing entity is CCA Labs - FZCO, registered in the AE. Since it is not a retail bank in the UK or the EU, deposits in the account do not sit inside a domestic deposit protection scheme. Readers who care most about a named local regulator may prefer an established bank debit card.
How do I get help if something goes wrong with the account?+
Support runs on help centre and community, which means a help centre for written questions and a community for general discussion. There is no phone or live chat channel listed, so urgent problems about card access rely on the help centre. Travellers who want a direct line can compare Monzo Flex at £0.
How many different assets can I hold and spend?+
The account covers Bitcoin, Ethereum and Solana. That is a small list next to rivals, so anyone running a broad portfolio of tokens may need a second account elsewhere. Spending works the same way as a normal debit card of type debit, and the balance stays in self custody.
Sources
- coca.xyz/terms checked September 26, 2026
Backs: Headquarters, Legal entity, Wallet type
“a company registered in Dubai Digital Oasis, Dubai, UAE”
- docs.coca.xyz/coca/banking-account/coca-card.md checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Price
“Free ATM withdrawals worldwide Up to $250, 2% thereafter (Monthly)”
- docs.coca.xyz/coca/banking-account/overview.md checked September 26, 2026
Backs: Features, Currency conversion fee, Monthly fee
“You can also top up COCA with supported stablecoins on multiple blockchains directly to the Banking Account you control”
- docs.coca.xyz/coca/crypto-account/overview.md checked September 26, 2026
Backs: Supported assets
“Buy popular coins (the ones people actually search for, such as Bitcoin, Ethereum, Solana and others.)”
- docs.coca.xyz/coca/membership-and-rewards/5-balance-apy.md checked September 26, 2026
Backs: Lock-up terms
“No staking. No lockups. No "come back in 30 days."”
- docs.coca.xyz/coca/readme.md checked September 26, 2026
Backs: Cashback rate, Custody, Card network
“get up to 8% cashback on everyday spending and up to 50% back on subscriptions, depending on your tier and region”
- coca.xyz checked September 26, 2026
Backs: Support channels
“[Need Help?](https://discord.com/invite/AVxksnCubn) - https://docs.coca.xyz/ - https://t.me/coca_card”
- coca.xyz/card-cashback checked September 26, 2026
Backs: Backup options, Yield
“Even if you lose your device, anonymous biometric recovery ensures your wallet is always accessible.”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
COCA Card
Crypto holders who want a self-custody balance, cashback and yield in one card account.