Updated October 17, 2026 · HodlCue Editorial Team
COCA Card vs Skrill
COCA Card
Higher score in this comparison
Skrill
COCA Card vs Skrill: the differences
| Compare | COCA CardReviewVisitVisit | SkrillReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €5 |
| Currency conversion fee | 0%Lower | 3.99% |
| Card type | Debit | Prepaid |
| Card network | Visa | Mastercard |
| Custody | Self custody | Custodial |
| Free ATM withdrawals | $250 | Not confirmed |
| Cashback rate | 8% | Not confirmed |
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Key differences
- COCA Card scores higher overall: 9.4 vs 8.1.
- Monthly fee is lower at COCA Card: €0 vs €5.
- Currency conversion fee is lower at COCA Card: 0% vs 3.99%.
- Features: only COCA Card offers Self custody, Travel.
- Features: only Skrill offers Multi currency.
Our verdict on each
COCA Card
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.
Skrill
Skrill suits crypto holders who want a prepaid card and a virtual card on one multi-currency balance, and who are comfortable with a custodial provider holding the balance. The catch is cost: a €5 monthly charge and a 3.99% conversion fee, where prepaid rivals such as Bitpanda charge €0.
Score breakdown
| Area | COCA Card | Skrill |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and currency conversion fee of 0%, plus $250 in free ATM withdrawals. | 8.1 |
| Offer | 9.5Cashback of 8% and a balance yield of 5% across Bitcoin, Ethereum and Solana, plus a recovery-service backup option. | Not confirmed |
Where each is licensed and available
| Country | COCA Card | Skrill |
|---|---|---|
| Ireland | Not confirmed | Central Bank of Ireland (CBI) MiCA CASP 213800QBQVHWRBHJTA89 IE_CBI PSD_EMI IE_CBI!C184986 |
How they place
| Ranking | COCA Card | Skrill |
|---|---|---|
| Crypto debit cards | 1 of 145 | 6 of 145 |
Sources behind this comparison
COCA Card
- docs.coca.xyz: 8 facts, checked September 26, 2026
- coca.xyz: 3 facts, checked September 26, 2026
Skrill
- skrill.com: 6 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | COCA Card | Skrill |
|---|---|---|
| Features | Crypto, Virtual card, Self custody, Travel | Crypto, Virtual card, Multi currency |
| Legal entity | CCA Labs - FZCO | Paysafe Payment Solutions Limited. |
| Headquarters | United Arab Emirates | Ireland |
| Support channels | Help centre, Community | Not confirmed |
Crypto wallets
| Fact | COCA Card | Skrill |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | $0 to $5 | Not confirmed |
| Backup options | Recovery service | Not confirmed |
Crypto earn
| Fact | COCA Card | Skrill |
|---|---|---|
| Yield | 5% | Not confirmed |
| Supported assets | Bitcoin, Ethereum, Solana | Not confirmed |
| Lock-up terms | No lockups | Not confirmed |
Where each stands against the rest
| Fact | COCA Card | Skrill | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €5highest quarter | €0 |
| Currency conversion fee | 0%below the median | 3.99%highest quarter | 0.25% |
| Free ATM withdrawals | $250highest quarter | Not confirmed | $0 |
| Cashback rate | 8%highest quarter | Not confirmed | 2% |
Median across 58 listed providers.
Pros and cons
COCA Card
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.
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.
Skrill
Pros
- Spending draws on a multi-currency balance, so holding and using several currencies sits in one place
- The card runs on mastercard, the network most prepaid rivals in this category also use
- A virtual card is offered alongside the physical one, which suits online-only spending
Cons
- A €5 charge applies, while prepaid alternatives such as Bitpanda and Monzo Flex carry €0 and £0
- The 3.99% currency conversion fee is well above the 1% median of the cards compared
- It ranks 228 of 237 on currency conversion fee, so converting often is costly here
Who each suits
COCA Card
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
Skrill
Who it suits
- Crypto holders who want to spend from a multi-currency balance without opening a bank current account
- Anyone comfortable with a custodial provider holding the balance and with a prepaid card rather than a debit card
Who should look elsewhere
- People who want a free card: Monzo Flex, Wise and Bitpanda each list £0, £0 and €0
- Travellers who convert often, since the 3.99% conversion fee is heavy next to the 1% median
- Anyone who wants to hold their own keys, as custody is custodial
Current offers
Country by country
| Country | COCA Card | Skrill |
|---|---|---|
| Andorra | Yes | No |
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Chile | Yes | No |
8 of 52 countries where either is available.
Questions about each
COCA Card
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.
Skrill
How much does the Skrill card cost to hold each month?+
The card carries a €5 charge. Prepaid rivals are often free: Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0. The €0 median across the cards compared is €0, so a free card is the norm in this field and this one is not.
What does it cost to convert currency on the Skrill card?+
Converting costs 3.99%, which is well above the 1% median of the cards compared. Skrill places 228 of 237 on that measure. A multi-currency balance is the practical way round it, since you can hold the currency you want to spend in rather than converting at the till.