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COCA Card

Updated: Jul 29, 2026

COCA Card is a stablecoin payment card offered by COCA Wallet. Users can transfer USDT, USDC or EURC into the card account and use a virtual or physical card at card merchants worldwide. The product combines a non-custodial wallet with a bank card account and supports online shopping, in-store card payments, mobile wallets, subscription payments and ATM withdrawals. Membership levels provide stablecoin cashback, subscription fee reimbursements and returns on card balances.
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Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDT / USDC / USD / EUR
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

COCA Wallet is provided by CCA Labs FZCO, registered in Dubai, United Arab Emirates. COCA handles the wallet app, membership system, and user interface, while Wirex provides card program issuance connectivity, KYC/AML, transaction settlement, dispute, and fraud handling infrastructure. Regulated service providers may vary by user region, with Visa or Mastercard handling the card acceptance network. COCA is not a bank, and the brand operator should not be considered the actual issuing bank.
Visit website Application page
Company / issuer
COCA
Legal name
CCA Labs FZCO
Registered region
United Arab Emirates (AE)
Headquarters
Dubai, United Arab Emirates
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

COCA Wallet uses an MPC wallet architecture to manage on-chain assets. Users can add supported stablecoins to the card account from their personal COCA wallet or an external wallet. After funding, the card can be used like an ordinary debit card, with stablecoin conversion and bank-card settlement handled through a partner card programme. Current materials for the new product mainly present COCA Visa Card, while some older pages retain details of a Wirex Mastercard card programme. The actual card network and issuing arrangement may therefore differ by region and issuance batch. A virtual card can be used after identity approval, while a physical card must be delivered and activated and supports chip, contactless payments, and ATM withdrawals. The six membership tiers from Starter to Elite share the same card system but differ in cashback rates, the number of subscription reimbursements, the limit on card-balance yield, and physical-card fees.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

COCA virtual card
COCA physical card
Card formVirtual cardPhysical card
Fees
Monthly fee
Free
No monthly account fee
Free
No monthly account fee
Card issuance fee
Free
Free for all tiers
5 USD
Free for Premium and above
ATM fee—
2%
Free up to $250 per month, then 2%; ATM operator fees charged separately
Foreign exchange fee
Free
Direct USD-EUR currency pair
Free
Direct USD-EUR currency pair
Top-up fee
Free
No top-up fee charged by the card provider
Free
No top-up fee charged by the card provider
Failed transaction fee——
Rewards
Cashback——
Crypto cashback
8%
1%–8% in stablecoins, based on tier and monthly allowance
8%
1%–8% in stablecoins, based on tier and monthly allowance
Staking rewards
8%
Up to 8% cashback and 50% subscription reimbursement, unlocked by staking COCA
8%
Up to 8% cashback and 50% subscription reimbursement, unlocked by staking COCA
Staking APR
Free
Staking is used only for membership tiers
—
Welcome bonus
10
Invitee completes the qualifying spend
10
Stablecoins, after the invitee completes the qualifying spend
Referral bonus
30
$30 each for the first 5 referrals, then $10 each, after the friend completes the qualifying spend
30
$30 each for the first 5 referrals, then $10 each; friend completes the qualifying spend
Limits
Daily spending limit
30,000 EUR
Same per-transaction limit
30,000 EUR
Same per-transaction limit
Monthly spending limit
30,000 EUR
Accumulated by calendar month
30,000 EUR
Accumulated by calendar month
ATM withdrawal limit—
850 EUR
Up to five times per day
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

70
BahrainBHSaudi ArabiaSANorwayNOSpainESFinlandFIIndonesiaIDMontenegroMEEcuadorECPhilippinesPHBelgiumBEMaltaMTThailandTHAustriaATMexicoMXBulgariaBGNew ZealandNZItalyITGhanaGHGuernseyGGMalaysiaMYAndorraADAustraliaAUGeorgiaGEIcelandISSwedenSEKazakhstanKZLatviaLVHong KongHKGermanyDESouth KoreaKRPolandPLRomaniaROCzechiaCZKenyaKEColombiaCONetherlandsNLSwitzerlandCHChileCLHungaryHUSloveniaSIUnited Arab EmiratesAEIrelandIESlovakiaSKPortugalPTBrazilBREl SalvadorSVFranceFRLithuaniaLTJerseyJEPeruPEMoldovaMDArgentinaARMacaoMOSingaporeSGUnited KingdomGBLuxembourgLUTaiwanTWDenmarkDKGreeceGRAzerbaijanAZGibraltarGIJapanJPLiechtensteinLIMonacoMCIsle of ManIMNigeriaNGEstoniaEECroatiaHRUzbekistanUZCyprusCY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

0

No records

Evidence
Public sources

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：居民不可申请；境外已发行卡可在受理 Visa 或 Mastercard 的商户使用，也可按国际卡规则绑定微信支付或支付宝。

2、香港：居民可以申请并正常使用，可在线上线下银行卡商户消费，赴中国大陆时可绑定微信支付或支付宝付款。

3、澳门：居民可以申请并正常使用，支持线上购物和线下刷卡，赴中国大陆扫码付款需完成支付钱包实名验证。

4、台湾：居民可以申请并正常使用，可用于银行卡商户和订阅付款，赴中国大陆时可按国际卡规则绑定移动支付。

Updated: Jul 29, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Bank statement / Utility bill / Government proof of residence / Lease agreement

Review time / regional limits

Automated review is usually completed within 20 minutes; manual review or additional document requests can extend to several days.

KYC provider

Wirex

Updated

Jul 29, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedJul 29, 2026

Wallet payments

Alipay

Supported

Jul 29, 2026

Wallet payments

Apple Pay

Supported

Jul 29, 2026

Cash services

ATM withdrawal

Supported

Jul 29, 2026

AI tools

ChatGPT

Supported

Jul 29, 2026

AI tools

Claude

Supported

Jul 29, 2026

Wallet payments

Google Pay

Supported

Jul 29, 2026

AI tools

Midjourney

Supported

Jul 29, 2026

In-person payments

Offline POS

Supported

Jul 29, 2026

Online shopping

Online shopping

Supported

Jul 29, 2026

Wallet payments

PayPal

Supported

Jul 29, 2026

Subscriptions

Subscription payment

Supported

Jul 29, 2026

Wallet payments

WeChat Pay

Supported

Jul 29, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Sai Kadamgoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

excellent app
Official reply
Hi Sai! Thank you for taking the time to share your positive feedback. We greatly appreciate it!
View original
Kate Alippagoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

I've used Coca for about a year and I'm overall happy. The product has evolved a lot and I like that I can use my stablecoins, EUR and USD from one app. It makes managing my money very simple, and also more private as it's non-custodial. I especially enjoy the rewards like cashback and interest on balance, as it makes my money go longer. Would recomend it.
Official reply
Hey Kate! We’re so happy to hear that you’re enjoying the app. Thank you so much for your lovely review!
View original
Rajbahadur Arya Rautgoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

very very very good service thanks 👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍
Official reply
Hi Rajbahadur! Thanks a lot for taking the time to share your positive feedback. We greatly appreciate it!
View original
Bjørn Olsengoogle_play★ 4 / 5

COCA: Crypto Card & Wallet Google Play review - 4 star

On the tab Banking when you swipe left and right on activities, vibration feels strange and shouldn't be there. -⭐ The app is consistently 12sec to open and sign in. I've tested the Revolut app and that's only 5sec. Using biometrics in both apps. +⭐ Support are quick. -⭐ Launching, minimizing, using another app, returning, sometimes results in 3 dot loading screen forever.
Official reply
Hi Bjørn! We’re sorry to hear about your experience. If you’ve already submitted a support ticket, please update your review and share its number here so we can take a closer look. If not, you can easily submit a ticket using this link (please provide screenshots or a video of the problem): https://help.coca.xyz/support/tickets/new
View original
Patrick Kabuyagoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

I have been using Coca to manage my finances since March 2026, and the experience has been exceptional. It offers everything I need and has been completely reliable. I hope it continues to maintain this high standard!
Official reply
Hi Patrick, many thanks for taking the time to share your positive feedback! We’re really glad you had a great experience.
View original
Alexgoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

Works great! I got British Visa free and commissions are tiny!
Official reply
Hi Alex, many thanks for taking the time to share your positive feedback! We’re really glad you had a great experience.
View original
Abdulkarim Mahmudgoogle_play★ 5 / 5

COCA: Crypto Card & Wallet Google Play review - 5 star

in short Coca 100% good in reviews
Official reply
Hello Abdulkarim, thank you very much for sharing your encouraging feedback! We’re truly pleased that you had a wonderful experience.
View original
One Onegoogle_play★ 1 / 5

COCA: Crypto Card & Wallet Google Play review - 1 star

Bad platform, don't use it, For over a month, they have been evading the return of my funds and failing to respond to my messages. It is a simple matter—one that any reputable platform could handle in seconds. This is a scam.
Official reply
Hi there! We’re sorry to hear about your experience. Could you please update your review and share your ticket number here so we can take a closer look? Thank you.
View original
Cierangoogle_play★ 3 / 5

COCA: Crypto Card & Wallet Google Play review - 3 star

rn mid. card overall fine. fees make cash back bad so that needs fixed. Haven gotten my 50% sub cash back yet and it has been 2 months.
Official reply
Hi Cieran, we're so sorry about that! We found your ticket #10491 and will get back to you soon. Thank you for your patience while we are working on it.
View original
ثامرgoogle_play★ 1 / 5

COCA: Crypto Card & Wallet Google Play review - 1 star

❌⚠️"Warning! This platform charged me approximately $12 for a physical card, and a month later, they banned my account. They haven't returned the money even though I reached out to customer support and submitted all the official documents they asked for."
Official reply
Hi there! We’re sorry to hear about your experience. Could you please update your review and share your ticket number here so we can take a closer look? Thank you.
View original

Risk factors

Updated: Jul 29, 2026

No risk factors are available