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COCA Card

Updated: Sep 18, 2026

The COCA Visa Card is a debit card built upon COCA’s self-custodial MPC wallet and stablecoin account system. Users can link supported stablecoin accounts to the card and make payments directly from the respective balances (such as USDC or EURC) at the time of purchase, eliminating the need to first transfer assets to a traditional exchange’s custodial account; balances in different currencies are accounted for separately and cannot be automatically combined for payments.
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Card network
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
USDTUSDCUSDEUR
Last updated
Sep 18, 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 integrates non-custodial crypto wallet, stablecoin account, and bank card functionalities into a single application. Users manage their on-chain assets via an MPC wallet while also setting up stablecoin or fiat accounts for card-based spending, selecting a specific account within the "Cards" feature to serve as the funding source. Consequently, the card does not directly debit tokens from any arbitrary wallet; instead, transactions are settled against a linked, eligible payment balance, meaning other assets must first be converted into a supported currency or transferred to a compatible account. The product offers both virtual and physical cards and is currently available to applicants in various markets across Europe, Asia-Pacific, and Latin America.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$9,315,726.14

No comparable previous month

Transactions

138,677

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$1,164,986.9419,735
2026-05$5,745,662.1890,247
2026-06$6,164,716.8699,515
2026-07$6,390,014.52106,744
2026-08$7,978,825.36133,842
2026-09$9,315,726.14138,677

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

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 language support

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

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The United States is not included in COCA’s current card-issuance countries, but a COCA Card issued to an eligible user can be used in the U.S. under the card’s worldwide spending coverage.
2. United Kingdom：Can apply，Can use，The United Kingdom is an explicitly supported COCA Card market and residents can obtain the card after completing the required card-level identity verification.
3. Canada：Cannot apply，Can use，Canada is not included in the current COCA Card issuance coverage, while a card issued to an eligible resident of a supported country can be used in Canada.
4. Australia：Can apply，Can use，Australia is explicitly supported for COCA Card issuance and residents can apply after completing the required identity and card eligibility verification.
5. South Africa：Can apply，Can use，South Africa is included in COCA’s current expanded card coverage and eligible residents can obtain the card after completing the required verification.
6. New Zealand：Can apply，Can use，New Zealand is explicitly included in COCA’s supported card markets and residents can apply after completing card-level identity verification.
7. Ireland：Can apply，Can use，Ireland is an explicitly supported European market and residents can obtain the COCA Card after completing the required verification.

Updated: Sep 16, 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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
victoria udogoogle_play★ 1 / 5

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

I sent 138 usdt from bitget exchange to my coca app banking address on optimism Blockchain and for the past 2 hours, it's yet to be credited. Kindly be of help.
View original
Sabiu Dangaladimagoogle_play★ 1 / 5

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

customer service takes long to reply. Takes longer to resolve single issue. I sent fund to my wallet, not credit and over a month now no progress
Official reply
Hi, thank you for your review! As we see in ticket #16718, we informed you that the token you sent isn't supported on the X Layer chain, so the funds weren't credited automatically and require a manual refund. Since this matter requires the involvement of other teams, it may take some time. We're sorry for the delay and appreciate your patience.
View original
Wramagoogle_play★ 1 / 5

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

I want to be very clear about this since Coca aren't: you cannot spend the crypto in your coca wallet with the Coca debit card. they are two completely separate parts of the product. that being the case, I do not see the niche that Coca wallet and card is supposed to fill. further more, when I contacted Coca support, they took two whole days to respond. there are plenty of other products out there, such as Coinbase, Binance, Nexo, etc that do provide a debit card where you can spend your crypto
Official reply
Hi, thanks for sharing your feedback! You can easily transfer USDC, USDT, and EURC from Crypto to Banking, then use them with your Coca card. We’re also sorry to hear that you had to wait two days for a response from Support. Your feedback is valuable, and we’re already working on improving our response time.
View original
Shamsudeen Aminugoogle_play★ 5 / 5

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

the app is okay and great, but, I noticed today that my card can't be found in the app any longer, I don't know what went wrong.
Official reply
Hi Shamsudeen, thanks for taking the time to leave a review! We're sorry about the issue with your card and have provided an answer in ticket #18985. 💙
View original
Big Staceygoogle_play★ 5 / 5

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

downloaded this app just to spend crypto abroad. Now I use it for everything 🥰 it's free, gets me 5% cashback in actual stablecoins, 50%back on my Amazon prime, and its self-custodial. By far my favorite app for spending
Official reply
Hi there, many thanks for taking the time to share your positive feedback! We’re so happy to hear that COCA is your favorite app!
View original
Nafi'u Salisugoogle_play★ 3 / 5

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

you're not responding to the customer when he has an issue e.g to ranfer .food.
Official reply
Hi Nafi'u! 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: https://help.coca.xyz/support/tickets/new
View original
João Leitegoogle_play★ 1 / 5

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

Cap on the rewards you can withdraw
Official reply
Hi João, thank you for your feedback! We’ve updated our cashback system, so you can now claim available cashback anytime in the app instead of waiting until the 10th. Some limits were introduced as part of this change. We’re listening to your feedback and are already working on improvements. More updates will be shared soon.
View original
Cierangoogle_play★ 4 / 5

COCA: Crypto Card & Wallet Google Play review - 4 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. : edit. it took 2 months and got most of the cash back from 50% and normal cash back works fine
Official reply
Hi Cieran, thank you so much for updating your review to reflect your most recent experience! We greatly appreciate it and are happy to hear that you enjoy using COCA.
View original
Danial Nrzgoogle_play★ 4 / 5

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

I am a resident of Turkey. Can I order a physical card, and can it be shipped to me?
Official reply
Hi Danial, thank you for your review! Customers from Turkey can order a physical COCA card. You can find more information about the benefits available to you in this article: https://help.coca.xyz/en/support/solutions/articles/205000042710-tier-system-terms-conditions
View original
Aliyu Aliyu Manzogoogle_play★ 4 / 5

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

this app run is reliable without crashing
Official reply
Hi Aliyu! Thanks a lot for taking the time to share your positive feedback. We greatly appreciate it!
View original

Risk factors

Updated: Jul 29, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does COCA Card require KYC?

Our record lists the COCA Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does COCA Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up COCA Card with?

Our record lists COCA Card support for: USDT, USDC, USD, and EUR.

Is COCA Card a virtual or a physical card?

COCA Card is offered as: Virtual card and Physical card.

Where is COCA Card available?

Our record lists 70 countries or regions as available and 0 as restricted. Country-by-country status is in the regions section of this page.

Who issues COCA Card?

COCA Card is operated by COCA on the Mastercard / Visa network.