Card database / Mastercard / Visa / Crypto debit card

KuCoin KuCard

Updated: Sep 14, 2026

KuCard is a crypto asset debit card introduced by KuCoin. It converts fiat currencies or digital assets in a KuCoin account into the fiat currency required for card-network settlement when a purchase is made. The current European version offers Visa virtual and physical cards, while the Australian KuCard-AU uses Mastercard and primarily offers a virtual card. Users can use it for online shopping, everyday in-store purchases, and mobile payments. The European physical card also supports ATM withdrawals.

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Card network
Product type: Crypto debit card
Card form: Virtual + physical card / Virtual card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDTUSDCBTCETHSOLXRPADATRXEURKCKCSSUSUI
Last updated: Sep 14, 2026

Official and company information

Issuer identity and company credentials

KuCard is a Visa debit card launched by KuCoin, a leading global cryptocurrency exchange. Designed specifically for users in the European Economic Area (EEA), it aims to bridge digital assets and traditional financial payments, allowing users to spend cryptocurrency directly in daily life just like a regular debit card. Core features Real-time crypto-to-fiat conversion: The core logic of KuCard is to automatically convert cryptocurrency to fiat at the moment of payment. When users swipe the card (or pay online), the system automatically deducts the linked crypto assets and converts them to local fiat at the real-time exchange rate for settlement, without the need for manual pre-conversion. Global payments and withdrawals: As a Visa debit card, KuCard is accepted by millions of merchants and ATMs worldwide that accept Visa. It can be used not only in offline scenarios such as supermarkets and restaurants, but also fully supports online shopping. Apple Pay and Google Pay integration: Supports mobile wallet binding for contactless tap-and-go payments, greatly enhancing convenience for daily spending. Cashback rewards program: KuCard offers a competitive cashback scheme (sometimes up to 3%), allowing users to earn crypto cashback on card spending. Asset management flexibility Multi-asset support: Currently supports major crypto assets such as USDT, BTC, ETH, XRP, KCS, as well as the euro (EUR). Priority setting: Users can customize the deduction priority of payment assets within the app to flexibly manage personal spending.

Visit website Application page

Company / issuer: KuCoin
Legal name: EK Global Limited
Registered region: Seychelles (SC)
Headquarters: Seychelles
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

KuCard connects to the user's KuCoin Funding Account. The European version uses EUR as its primary settlement currency. Users can set assets such as EUR, USDT, USDC, BTC, ETH, XRP, and KCS as spending sources, which are automatically debited in the specified order with any necessary crypto conversion completed at payment. The Australian KuCard-AU uses USDC as its standard settlement asset and supports the conversion of various digital assets at the time of transaction before settlement through the Mastercard network. The European version provides both a virtual card and a plastic physical card. The Australian version currently offers only a virtual card, and a physical card has not yet been formally made available. Both programs support Apple Pay and Google Pay.

Mastercard / Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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

	KKuCard EEA Card	KKuCard-AU Card
Card form	Virtual + physical card	Virtual card
Fees
Monthly fee	3 EUR 3 EUR per month after 90 days of inactivity, otherwise free	Free Free; 2 USDC per month after 90 days of inactivity
Card issuance fee	9.99 EUR Free, charged 9.99 EUR	Free First card free; additional cards 9.99 USDC, up to five cards
ATM fee	2 EUR + 2% 2 EUR per withdrawal within Europe, 2% + 2 EUR outside Europe	—
Foreign exchange fee	2% 2% on non-EUR transactions	1% Additional fee on non-settlement currency transactions
Top-up fee	—	—
Failed transaction fee	Free No fee for payment declines due to insufficient funds	Free No fee for payment declines due to insufficient funds
Rewards
Cashback	3% Cashback 1%–3%, based on account VIP level	8% Up to 8% reward points, based on VIP or spending tier
Crypto cashback	0% Redeemable in EUR, BTC, ETH, or KCS; reward currency can be chosen	0% Points redeemable for USDC or USDT
Staking rewards	5% Additional up to 5% KCS cashback, based on KCS staking ratio	—
Staking APR	—	—
Welcome bonus	—	1% Extra 1% points on first qualifying purchase
Referral bonus	—	—
Limits
Daily spending limit	—	20,000 USDC Combined across all cards
Monthly spending limit	—	—
ATM withdrawal limit	—	—
Card network

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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

CyprusCYBelgiumBELiechtensteinLIRomaniaROHungaryHULithuaniaLTAustriaATDenmarkDKNorwayNOPortugalPTPolandPLSwedenSEEstoniaEEBulgariaBGLuxembourgLUGermanyDESlovakiaSKIcelandISCroatiaHRSpainESLatviaLVGreeceGRSloveniaSICzechiaCZFinlandFIItalyITNetherlandsNLFranceFRIrelandIE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

215

KenyaKEGuinea-BissauGWBurkina FasoBFUgandaUGNepalNPGabonGAEgyptEGMartiniqueMQU.S. Virgin IslandsVISri LankaLKÅland IslandsAXEswatiniSZBosnia & HerzegovinaBAKuwaitKWCuraçaoCWMozambiqueMZCongo - KinshasaCDParaguayPYDjiboutiDJNorthern Mariana IslandsMPMacaoMOCôte d’IvoireCIFrench GuianaGFMontenegroMEMauritiusMUBelarusBYCambodiaKHTajikistanTJSouth KoreaKRSt. Kitts & NevisKNIranIRSaudi ArabiaSASurinameSRLibyaLYCocos (Keeling) IslandsCCIsraelILPitcairn IslandsPNSt. MartinMFPhilippinesPHAnguillaAIMayotteYTIraqIQNorth KoreaKPArgentinaARAndorraADUnited Arab EmiratesAESt. HelenaSHGuatemalaGTOmanOMLaosLATongaTOSouth AfricaZAMonacoMCCameroonCMTürkiyeTRHeard & McDonald IslandsHMKyrgyzstanKGFijiFJNorfolk IslandNFJamaicaJMNigeriaNGCongo - BrazzavilleCGHaitiHTMongoliaMNGuineaGNZimbabweZWMontserratMSQatarQAEcuadorECLiberiaLRSt. Vincent & GrenadinesVCLesothoLSRéunionREVatican CityVAUnited KingdomGBPalauPWAzerbaijanAZUruguayUYPapua New GuineaPGKazakhstanKZRussiaRUBruneiBNNew ZealandNZArubaAWChristmas IslandCXSenegalSNBrazilBRChinaCNUnited StatesUSMoroccoMASudanSDNicaraguaNIFalkland Islands (Islas Malvinas)FKSeychellesSCMexicoMXCubaCUJapanJPEthiopiaETGreenlandGLNamibiaNATimor-LesteTLBahrainBHAngolaAOUzbekistanUZGuyanaGYBoliviaBOGibraltarGITanzaniaTZPuerto RicoPRTrinidad & TobagoTTMauritaniaMRCanadaCAChadTDSingaporeSGNiueNUSamoaWSAlgeriaDZGuamGUTurks & Caicos IslandsTCTogoTGSolomon IslandsSBSvalbard & Jan MayenSJTokelauTKTuvaluTVSint MaartenSXLebanonLBPeruPEChileCLGambiaGMPakistanPKDominican RepublicDOBelizeBZHondurasHNMadagascarMGJordanJOIndiaINBhutanBTCosta RicaCRSouth Georgia & South Sandwich IslandsGSGhanaGHRwandaRWMaltaMTWestern SaharaEHGrenadaGDGuernseyGGBritish Indian Ocean TerritoryIOSan MarinoSMVenezuelaVEBouvet IslandBVKiribatiKICape VerdeCVBermudaBMVanuatuVUMarshall IslandsMHEl SalvadorSVTunisiaTNWallis & FutunaWFMoldovaMDMalaysiaMYJerseyJEAmerican SamoaASThailandTHNauruNRPanamaPAFrench Southern TerritoriesTFBarbadosBBEquatorial GuineaGQSyriaSYCayman IslandsKYMaldivesMVSwitzerlandCHIsle of ManIMMicronesiaFMArmeniaAMBeninBJSierra LeoneSLU.S. Outlying IslandsUMBritish Virgin IslandsVGBangladeshBDSt. LuciaLCEritreaERVietnamVNSomaliaSOColombiaCOYemenYESouth SudanSSCentral African RepublicCFIndonesiaIDBurundiBIAlbaniaALBahamasBSGeorgiaGESt. BarthélemyBLMalawiMWCook IslandsCKComorosKMUkraineUABotswanaBWZambiaZMSão Tomé & PríncipeSTNigerNEMaliMLNew CaledoniaNCMyanmar (Burma)MMFaroe IslandsFOHong KongHKAfghanistanAFTurkmenistanTMDominicaDMAntarcticaAQFrench PolynesiaPFNorth MacedoniaMKGuadeloupeGPSerbiaRSAntigua & BarbudaAG

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are outside KuCard’s EEA-only issuance region, but an eligible EEA resident who already holds the card can use it while in the United States.

2. United Kingdom：Cannot apply，Can use，UK residents are not eligible because the United Kingdom is outside the EEA issuance region, but an eligible EEA cardholder can use KuCard while visiting the UK.

3. Canada：Cannot apply，Can use，Canadian residents are outside KuCard’s EEA-only issuance program, but an eligible EEA cardholder can use the card in Canada.

4. Australia：Cannot apply，Can use，Australian residents cannot apply because KuCard issuance is limited to EEA residents, while eligible EEA cardholders may use the card in Australia.

5. South Africa：Cannot apply，Can use，South African residents are outside the permitted EEA issuance jurisdictions, but an eligible EEA cardholder can use KuCard while in South Africa.

6. New Zealand：Cannot apply，Can use，New Zealand residents are not eligible for issuance because KuCard is restricted to EEA residents, but eligible EEA cardholders may use it in New Zealand.

7. Ireland：Can apply，Can use，Ireland is an explicitly supported EEA issuance country, and residents must complete identity verification using a supported EEA-issued identity document.

Updated: Sep 14, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

EEA-issued passport / EEA national ID card / Passport / Australian driver's license / Proof of residential address

Review time / regional limits

Automatic verification is relatively fast; abnormal ID or address enters manual compliance review.

KYC provider

Sumsub

Updated

Aug 3, 2026

Payment compatibility

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

Compatibility overview13 scenarios

Supported13

Not supported0

UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Jul 20, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 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

Karan Vishwakarmagoogle_play★ 1 / 5Sep 21, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 1 star

wrost app don't download

Official reply

Hi there, Thank you for sharing your feedback with us. At KuCoin, we prioritize your security and strive to provide top-quality services. We're always looking to improve based on your experience. If you have any specific concerns, please reach out to our support team at support@kucoin.com. We're here to help!

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Alinde Fariidgoogle_play★ 1 / 5Sep 21, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 1 star

poor withdraw options 😢 😕

Official reply

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Cutie XYZgoogle_play★ 1 / 5Sep 21, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 1 star

So frustrating experience, It takes almost 1min+ to load and when you tap on any button inside the application the button will open after 15 to 20 seconds does not matter if you buy, sell or want to go on another section or want to open an feature it always takes 20+ seconds, 50 times slower than usual exchanges

Official reply

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Ofudu-p -abelgoogle_play★ 2 / 5Sep 20, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 2 star

why kucoin always has connection timed out issues. I've been trying to activate my passkeys and Google authentication security for over 3 months now, with the same results. the app is so slow and very sluggish, can't recommend kucoin to my friends and family, except the work on those issues

Official reply

Hi there, Thank you for sharing your feedback with us.please reach out to our support team at support@kucoin.com. We're here to help!

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Marunogoogle_play★ 4 / 5Sep 20, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 4 star

it should be more optimise like binance. because,when I panic about any crypto then I can't sale cryptos in right time.

Official reply

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Md. Mehedi Hasangoogle_play★ 1 / 5Sep 19, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 1 star

I have mined here many times but have never been able to make a profit, which is much less than what you can invest. You should definitely pay attention to this.

Official reply

Hi there! Thank you for your fantastic review! We’re delighted to know you’re enjoying our app. Your positive feedback is truly inspiring and encourages us to keep enhancing our product. We’re committed to providing you with the best experience and are excited to bring you even more great features in the future.

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Wan Terence Ninyinggoogle_play★ 4 / 5Sep 19, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 4 star

nice experience

Official reply

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Hassan Chulugoogle_play★ 5 / 5Sep 19, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 5 star

thanks for the money

Official reply

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suboor khangoogle_play★ 1 / 5Sep 18, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 1 star

fake

Official reply

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Ateek Khangoogle_play★ 5 / 5Sep 18, 2026

KuCoin: Buy Bitcoin & Crypto Google Play review - 5 star

good 😊💯

Official reply

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Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does KuCoin KuCard require KYC?

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

Does KuCoin KuCard support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up KuCoin KuCard with?

Our record lists KuCoin KuCard support for: USDT, USDC, BTC, ETH, SOL, XRP, ADA, and TRX (11 in total).

Is KuCoin KuCard a virtual or a physical card?

KuCoin KuCard is offered as: Virtual + physical card and Virtual card.

Where is KuCoin KuCard available?

Our record lists 29 countries or regions as available and 215 as restricted. Country-by-country status is in the regions section of this page.

Who issues KuCoin KuCard?

KuCoin KuCard is operated by KuCoin on the Mastercard / Visa network.