The cashback headline is the easy part — here is what a COCA card actually asks of you

Updated October 2026
Licensed
usAvailable in US
Fast payouts
18+ Only

The COCA card pays up to 8% cashback in stablecoins on spending and up to 50% on subscriptions, and it takes stablecoin balances directly into everyday payments. On paper that is a strong offer for anyone already holding stablecoins and annoyed by paying full price for streaming services. On the ground, the numbers I could confirm are thinner than the headline: the card issuer is not named on the pages I read, several fees are simply not published, and the Trustpilot score I saw was 2.8 out of 5 across 31 reviews. That combination — a genuinely attractive rewards structure on top of a company that publishes very little — is why my score lands where it does.

A payment card next to a phone with a crypto wallet app open
COCA works as a payment card spent from a crypto balance

Conditions are current as of October 28, 2026.

My score is 6.4 / 10. Read the table below for the breakdown, then keep reading: the parts that decide whether this card works for you are not the parts that appear first in the app store listing.

Criterion Score Why
Who can get it 8 / 10 Available in the UK, EEA, Asia, South America, Middle East and Africa; Afghanistan, Iran, Iraq, Cuba, Syria and others are closed
Cost 6 / 10 Maintenance is free (App Store), the issuance price is not disclosed; unofficial: FX 0.5–1.5% by currency, USD and EUR 0%, the physical card needs a first top-up of 50 EUR
Top-up options 5 / 10 IBAN in EUR or USD, other cards and stablecoins, but coins and networks are not named
Reliability and complaints 4 / 10 CCA Labs – FZCO (Dubai), issuer not named, unofficial: Wirex; Trustpilot 2.8/5 from 31 reviews, with complaints about funds unavailable after an update and a closed account
Everyday use 9 / 10 Physical and virtual Visa, unofficial: Apple Pay and Google Pay, free ATM withdrawals up to 250 USD a month

Who this suits: you already hold stablecoins, you want them to pay for subscriptions and everyday spending, you are comfortable picking the network for your own transfers, and you do not mind reading the terms yourself because the app will not tell you the fee table. Who it does not suit: anyone who needs a bank-grade answer about chargebacks, anyone in a sanctioned or excluded country, anyone who wants to know what a subscription costs in year two, and anyone whose main worry is a bank that answers the phone.

Will they give you the card?

Short answer: probably yes if you are in a supported region, and no if you are anywhere the terms restrict — and “probably” is doing real work here, because the card’s own pages give the availability area but not the eligibility rules in one place.

The official statement is that the card is “currently available in the UK, EEA, Asia, South America, Middle East and Africa”, and the app itself has a check area. The terms also define restricted jurisdictions, naming Afghanistan, Iran, Iraq, Cuba, Syria and others. If your country is on that restricted list, stop here: this is not a card you can talk your way into, and anyone offering you a workaround is offering you something outside the card’s terms.

What is not stated publicly: the delivery countries, delivery time and delivery cost are not given on the pages I read, and neither is any statement about whether citizenship, residence or both decide eligibility. Unofficial reporting suggests you choose the country of the ID you use for verification and then pass the issuer’s identity check, with the documents themselves not detailed — that comes from a third-party site in October 2026 and is not confirmed by COCA. One Trustpilot reviewer called delivery fast; a single review is not a delivery policy.

The practical question you are actually asking is whether you will be approved and how long it will take. That is not stated either: KYC levels, review times and rejection reasons are not published. The terms only require your cooperation with verification and set an age minimum of 18+. What you can do with that information is narrow but real — have a government ID matching your address ready, expect a second document request, and treat “no reason given” as a real possibility rather than a personal failure.

On the wallet side the site says “no KYC hassles”, which refers to the wallet rather than the card, and the terms still require you to cooperate with provider requests. I would read those two statements together, not as a contradiction: opening a self-custody wallet may feel instant, while the card sitting on top of it is a regulated product with its own checks.

How to get it

The path is short — app, account, verification, card — and almost every step of it is described as “not stated” on the pages I could read, which is the honest summary of what a prospective applicant can rely on.

The card itself comes in physical and virtual form, on Visa. The currency of the card is not stated. The Apple App Store listing gives the app as iPhone with iOS 17.0 or later (visionOS 1.0 or later), version 3.10.0, rated 3.9 out of 5 from 37 ratings when I read it on 2026-10-20. On Google Play the package is com.wirex.wallet and I could not retrieve a rating — that package name is itself a clue about the company’s history, which I come back to in the risks section.

The signup sequence as far as it is documented: create the account in the app, complete the identity check for the country of your ID, order the card. Verification requirements, KYC tiers, expected time and the grounds for rejection are all not stated. Terms require only that you cooperate and that you are 18 or older.

So what should you check before you start? Three things, in this order. First, whether your country appears in the availability area and not in the restricted jurisdictions. Second, whether the top-up route you plan to use is available to you at all — that is your real dependency, more than the card. Third, what the terms say about things you cannot see in the app: what happens to your assets, who holds them, and what happens when you close.

Fees: what it really costs

Here is the least satisfying section of this review, and the most important one. Most of the numbers that decide whether a card is cheap to use are not published. I will show you what I found, label unofficial figures as unofficial, and be explicit about what I could not find rather than filling the gaps with plausible-sounding estimates.

A receipt and a card on a café table
What a COCA payment costs depends on the conversion and currency fees

The App Store listing says “No maintenance fees”, and its notes advertise free ATM withdrawals up to $250/month. The footer of the main site advertises “fee-free swaps”. Issuance price, the price of the physical card, the full fee table, the ATM fee beyond the allowance and the spending limits are all not stated by COCA; the terms simply say fees are “disclosed at the time you access the Service”, which is not the same as disclosing them.

Fee or limit What I found Source
Maintenance “No maintenance fees” App Store listing
Issuance (virtual) Not stated —
Physical card Not stated; unofficial: free to order with no minimum Third party, Oct 2026
First top-up Physical card needs EUR 50 first, with card production and shipping costs deducted from it and the remainder left as balance Third party, Oct 2026
Conversion / crypto-to-fiat Not stated; footer advertises “fee-free swaps” Site
FX Not stated officially; unofficial: 0.5–1.5% by currency, USD and EUR 0% Third party, Oct 2026
FX (second source) Another aggregator reports FX 0% and annual fee free cryptocardhub / spendnode, 2026
ATM Official: free up to $250/month; unofficial: free within an allowance, 2% above it, allowance amount not stated App Store / third party
Spending limits Not stated; unofficial: no spending limit (one source) vs EUR 30,000 daily with unlimited transactions (single other source) Third party, 2026
Cashback caps Monthly spending caps apply per tier; amounts not given Terms

Two things about that table deserve emphasis. First, the FX question has genuinely conflicting unofficial answers — 0.5–1.5% by currency with USD and EUR at 0%, or flat 0% — and one September 2026 Trustpilot reviewer says the cost is hidden in the spread rather than shown as a fee. That is the shape of the problem: even if a fee line says zero, the rate you receive may not be the mid-market rate. Treat “0% FX” marketing as unproven until you see your own account’s rate.

Second, a November 2024 press release advertised zero fees on swaps, spending and FX for a limited time. Time-limited fee claims tell you about a past marketing decision, not today’s price. Nothing in that release can be relied on now.

Now three everyday payments, walked through with the fees that actually apply:

  1. A EUR 40 subscription (the sort of thing the 50% subscription cashback targets). The listed rate is up to 50% cashback on subscriptions such as Netflix or Spotify. Above the tier’s monthly spending cap, cashback earns 1%. The subscription price you are charged is your cost; the cashback is the return; the spread and FX treatment on whatever currency the merchant bills in is the hidden line.
  1. A USD 60 purchase from a non-USD merchant. Here the currency matters: unofficial figures put FX at 0.5–1.5% depending on the currency with USD and EUR at 0%, and the second source says 0% flat. Either way the card currency and FX markup are not stated officially, so you are relying on third-party figures for the single number most likely to show up in your statement.
  1. A EUR 100 cash withdrawal. Officially free up to $250/month; unofficially free within an allowance and 2% above it, with the allowance amount not stated. Above the allowance the 2% figure is the only one I found, and it is unofficial. Withdrawals are a separate permission from card purchases, so this is worth checking in the app before you need it.

The rewards side has its own cost structure. Tiers are based on how much $COCA you hold: Basic is automatic with no $COCA, and higher tiers require holding $COCA in the wallet. Cashback rate and the monthly cap depend on your tier and region, and spending above the cap earns 1%. The names, thresholds and cap amounts of the higher tiers are not published on the pages I read — the terms refer to a “Tier System Terms & Conditions” that I did not see spelled out. The App Store notes do say higher-tier members can request increased card spending limits.

So the honest summary of costs: maintenance is free, spending in your main currency looks cheap, and everything else is either unofficial, unpublished or conditional on a tier document I could not read.

How to top up the card

You have three documented routes and no published price list. The three routes are an IBAN in EUR or USD, another card, or stablecoins. Minimum top-up, fees, and who pays the network fee for a stablecoin deposit: not stated.

A phone showing a stablecoin transfer screen
Topping up COCA starts with a transfer to the right network

The documentation at docs.coca.xyz confirms the same three routes and still does not name which coins or which networks. That missing detail is not a small gap. Stablecoins exist on many chains and they are not interchangeable: sending an asset over the wrong network is a common and irreversible way to lose money, and one August 2026 complaint in the reviews I read describes exactly that — a deposit on the correct network that was lost with a support ticket open for over a week.

Here is the general background you need, because the card’s silence makes it your responsibility. A stablecoin aims to hold a steady value against a currency like the dollar, but despite the name stablecoins are not necessarily stable — TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. Tether’s USDT and Circle’s USDC are the two dominant dollar-pegged coins, together around 90% of stablecoin market capitalisation by the BIS’s July 2025 estimate. USDC is described by Circle as redeemable 1:1 for USD and fully backed by cash and equivalents, mostly in a US government money market fund, with monthly reserve attestations; Circle listed USDC as natively supported on 38 networks as of 16 September 2026, including Ethereum, Solana, Base, Polygon PoS, Avalanche, Arbitrum and Stellar. USDT has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others. One trap worth knowing: Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option.

Two technical points that decide whether a transfer works. On Ethereum, ERC-20 fees are paid only in ETH, so a wallet holding USDT with no ETH cannot send — you can be funded and still unable to move funds. On Tron, fees are paid through bandwidth and energy and often burn TRX. And blockchain transfers are irreversible: a deposit sent to a network the provider does not support, or to an address belonging to a different network, can be lost or need manual recovery with no guarantee.

Withdrawals work in the way the terms describe: you close the account by withdrawing your assets, the wallet is non-custodial, and transactions cannot be cancelled or modified once submitted. If COCA withdraws the wallet it will “endeavor to give” two months’ notice, and fees are not refunded on termination. Withdrawal fees are not stated.

My check for you, before your first transfer: confirm the network and the asset in the app’s own deposit screen at the moment you send, not from memory. Then send a small test amount first. That is not paranoia; it is the one habit that separates the complaints about lost deposits from the people who did not have them.

Paying with it every day

This is where the card is genuinely good, and where the marketing is most accurate. The Visa card works physically and virtually, and day-to-day spending is where the 9/10 comes from.

The headline reward is up to 8% cashback in stablecoins on card spend, and up to 50% on subscriptions. Basic tier is automatic; higher tiers need $COCA held in the wallet; above the tier’s monthly cap you earn 1%; and there is a 30-day grace on a downgrade. On wallets: Apple Pay and Google Pay are both listed as supported by a third party in October 2026, with another site listing Apple and Google — that is unofficial, and the official pages do not state it. Merchants that block the card are not stated anywhere.

On disputes, the position is thin and you should read it twice. The terms do not mention chargebacks. Disputes are under English law, individual claims only, and time frames are not stated. That is not the same as having no protection — but it is not the same as having chargeback protection either, and I would not plan around one.

Here is why that matters more for a crypto card than for an ordinary one. A payment card number starts with a 6 or 8 digit issuer identification number that says which institution issued it and where; merchants can look it up and may apply extra scrutiny when the issuer country differs from the billing address. Some merchants decline prepaid or foreign BINs precisely because the lookup reveals the card type and the issuer country. A card with an unnamed issuer and a Dubai-registered programme manager is exactly the profile a cautious merchant’s rules may treat as foreign.

Two more everyday mechanics worth knowing. A merchant category code is a four-digit number classifying the business, and MCC 7995 covers gambling — many issuers block it by policy rather than by law, and the blocked list varies by issuer, so gambling may simply fail. And 3-D Secure adds an identity check to online payments: the issuer assesses risk and either lets the payment through or challenges you with a one-time code or biometric. Visa’s brand is Visa Secure, Mastercard’s is Identity Check. Address verification, which compares the numeric parts of the billing address a buyer types with issuer records, is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards — a common cause of declines that looks like a card fault and is not.

Finally, if a payment is declined it can leave a hold on funds for several days, typically up to 7. That is worth knowing before you try to pay something urgent twice.

What can go wrong

The risk section here is longer than it is on most cards of this type, and it is not padding. If you are deciding whether to hold money you cannot afford to have inaccessible for months, this is the section to read twice.

The company behind the card is CCA Labs – FZCO, Dubai Digital Oasis, UAE, registered as DSO-FZCO-31557. The card issuer is not named. Official incidents are not stated. In the background: a crypto brand is often only a programme manager or front-end, while the issuer is a bank or electronic money institution licensed to issue cards — which means the entity whose name is on your card may not be the entity whose name is on your terms. Visa and Mastercard do not issue crypto cards themselves; they license issuers and can suspend a programme. Visa terminated its global agreements with FTX in November 2022, and WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Programmes do close.

The review record I could verify: Trustpilot for the COCA platform showed 2.8 out of 5 from 31 reviews when I read it on 2026-10-20, with 78% five-star and 16% one-star, mostly early 2024 wallet reviews; other country pages showed 3.5 out of 5 from 27. The company responds to a significant portion of negative reviews, usually by asking for a ticket number.

The 2026 complaints are the ones I would read twice:

When What the reviewer reported
Jun 2026 Funds and card inaccessible after an app update, for three months
Aug 2026 A deposit on the correct network lost; ticket open for over a week
Sep 2026 Two USDC transfers via X Layer unrefunded
Sep 2026 Account closed after a months-long wait; only part of the balance returned
Aug 2026 A 20 EUR internal SEPA transfer held for compliance
Sep 2026 The “0% FX” claim said to hide a spread
Jan 2024 One-star review of funds lost after a Wirex account moved to the Coca Wallet app
— Two-star review of a 20 EUR SEPA transfer held for compliance confirmation

Some of that is early and partly positive: there are positive reviews on USDT spending and support, and the five-star share is high.

The structural risk is custody, and here COCA’s design is better than the reviews suggest. The wallet is non-custodial, uses Multi-Party Computation, has no seed phrase per the FAQ, and the terms refer to a Recovery Phrase while stating COCA cannot recover access. Swaps have Flashbots protection. Freeze in the app and insurance are not stated. Why this helps: with a custodial wallet the provider holds the credentials and you must trust them completely, and custodians have a documented failure record — Mt. Gox (about US$350 million reported stolen 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). Self-custody removes that counterparty risk and hands you key-loss, phishing and clipboard-hijacking malware risk instead. A seed phrase is typically 12 to 24 words and anyone who obtains it can restore the wallet and spend the funds; transfers are typically irreversible and a stolen key has no recovery, because the network cannot freeze or return funds.

Two more things I could not resolve, and you should notice the shape of the gap. The terms are dated 2023-11-04, so what you are agreeing to is a document older than most of the complaints above. The Google Play package is com.wirex.wallet and a 2024 Trustpilot review describes Wirex accounts moving into the Coca Wallet app — so the app you download carries another company’s package name. On licence and issuer changes between December 2025 and 2026, nothing was found.

Regulation context, briefly, because it shapes who is liable. MiCA, the EU’s crypto-asset regulation, took legal effect in June 2023; its stablecoin rules applied from 30 June 2024 and the remaining provisions from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution. The transitional period let providers already operating under national law continue only until 1 July 2026 or until they are authorised or refused, whichever came first — which is uncomfortably recent. A card is regulated separately from the crypto side, so a crypto card often depends on two licences. EMIs must safeguard customer funds by segregating them or insuring them, and such funds are not the same as bank deposits and may not sit under a deposit guarantee scheme. If you are in the EU you can check a provider against ESMA’s interim register of authorised CASPs.

The reason accounts get frozen is worth understanding rather than resenting. KYC rules require regulated businesses to verify customers and assess risk, including ongoing monitoring and suspicious-activity reporting. In the EU, due diligence covers name, address, date of birth, nationality and identity documents, a sanctions check, the purpose of the relationship, and whether you are a politically exposed person. In the US, the customer identification programme requires name, date of birth, address and an identification number. Nationality is screened separately from residence, because sanctions screening is often applied to citizenship and country of birth as well as address. If due diligence cannot be completed, EU rules require the institution to refrain from the transaction and, where necessary, end the relationship. That is why a 20 EUR transfer sits for weeks and why an account closes with part of a balance returned.

Support, for completeness: email [email protected], a Discord “Need Help?” channel, Telegram at t.me/coca_card, and X at @coca_card. Hours are not stated, and the App Store lists English only.

What to take instead

I am not going to tell you a crypto card is a bank account, because the differences are structural. An electronic money institution in the EU can issue e-money, payment cards and e-wallets but cannot lend. Visa and Mastercard do not issue these cards themselves. And Visa terminated its global agreements with FTX on 13 November 2022, while WaveCrest had all its Visa programmes closed after suspension in Europe in 2018. Programme closures typically mean a notice period, then loading and spending stop, then you are asked to withdraw remaining balances — one 2026 closure reported by a single unconfirmed source ended new loads on 8 July 2026 and spending on 8 August 2026.

So, with the alternatives, taken one at a time.

RedotPay — 6.9 / 10, slightly above COCA, and much more transparent about money. Its two official lists word the rule differently: a KYC list says citizens of the listed countries “will not be able to complete identity verification (KYC) or use RedotPay’s services” and that restrictions are “based on local regulations and sanction policies—not on individuals”, naming 38 places including Russia, Belarus, Ukraine, Serbia, Croatia, Slovenia, Nicaragua and the United States; a card-issuance list dated 28 August 2026 covering 47 places adds India, Indonesia, Morocco, Nepal, Singapore and Turkey, where residents are ineligible for both virtual and physical cards and cannot use those addresses as billing addresses. Georgia, Armenia, Kazakhstan and the UAE are on neither list. Cost is explicit: 10.00 USD for a virtual card, 100.00 USD for a physical card (non-refundable once paid), replacements 5.00 USD then 10.00 USD, no monthly or annual fee. The transaction fee is 1.00%, waived in the default currency and 1.20% in others; small authorisations of 1.00 USD or less are free for the first five per card per month then 0.2 USD; declines are free three times a month then 0.5 USD; some merchants carry 1.5% with a 0.50 USD minimum. Funding is on-chain or by buying crypto in the app, with a USDT-TRC20 minimum deposit of 1 USDT after network fees, each asset accepted only on the networks shown on the Deposit page, and the deposit fee to card balance free. Rewards are thinner: a 5 USD welcome reward usable only on spending, valid 30 days, and no cashback rate stated. Visa debit in the Singapore terms; card currencies are USD and HKD.

Bitpanda — 6.5 / 10, the safest-shaped of the three if you live in a euro-area country and can accept fewer coins. It requires a verified Bitpanda account and residence in a euro-area country; users verified via “Bankident” cannot order, and the rule is by residence. The card is a physical Visa debit, EUR only, one active card at a time. Account opening, monthly cost and first shipment are free; reissue is EUR 5.90 (the FAQ says EUR 9.90 for lost or stolen) and each additional physical card EUR 10. On non-EUR transactions the FX fee is EUR 0 but “VISA mark-up fees apply”; the crypto conversion spread is not stated, and assets are auto-converted to EUR on spending with a EUR 1 minimum payment. Spending draws from a chosen main and optional fallback asset, with listed cryptocurrencies, precious metals or EUR, excluding Crypto Indices. On rewards the page contradicts itself: 1% cashback in the body, “up to 2%” in the summary, with fiat, stocks, metals and stablecoins excluded and the payout currency not stated.

Wirex — 6.7 / 10, and the one with a name on the Play Store package attached to COCA’s app. Availability of physical and virtual cards “depends on your region”; fees are published for UK, EEA, APAC, Singapore, Australia and “Other”, with delivery fees listed for the UK, EEA, Hong Kong, Singapore, Australia, New Zealand, the Philippines and Taiwan, while the homepage claims “Worldwide (130+ countries)”. The Singapore terms say cash withdrawals “are not permitted in Singapore” and bar transactions with “Prohibited Countries” (Iran, Cuba, Syria “and others”); the residence country you enter must match your ID. One physical and one virtual card at a time; a metal card is a “Visa Signature debit card”. Card issuance is free in UK, EEA, APAC, SG, AU and “Other”, PIN change is free, the metal card order fee is 45 GBP on the UK page with free DHL Express and “only 45 EUR” delivery fee elsewhere, and there is a one-off 30 GBP administrative fee for accounts violating the terms. The card page says “no annual or foreign exchange fees” while the fee page does not specify an FX fee and instead says rates are shown in the app — the same soft spot as COCA, just phrased differently. Rewards are Cryptoback in WXT: Standard 0.5%, Premium 3%, Elite up to 8%, with ATM withdrawals, cash advances, crypto purchases, gambling, refunds and a list of merchant codes excluded.

COCA RedotPay Bitpanda Wirex
Score 6.4 6.9 6.5 6.7
Card Physical + virtual Visa Physical + virtual, Visa debit in SG terms Physical Visa debit Physical + virtual, Visa Signature metal option
Cost clarity Low High High Medium
Region rule Restricted list named; app check Two published lists (KYC; card issuance) Euro-area residence Region-dependent, fee tables published
Currency Not stated USD, HKD EUR only Not stated

My read: RedotPay if you want to see the numbers before you sign up; Bitpanda if you are in a euro-area country and want the least exotic structure; Wirex if you already know it or want the metal card. COCA if the subscription cashback is genuinely your main spend and you are comfortable with an issuer you cannot name.

Who I would recommend it to

In order, concretely.

Recommend it if you already hold stablecoins as your main spending asset; you want up to 50% cashback on subscriptions and up to 8% on everyday card spend; you are in the UK, EEA, Asia, South America, Middle East or Africa and outside the restricted jurisdictions; you can check the deposit network yourself before sending; you will read the tier terms before relying on a cashback rate; and you keep an amount on this card that you could survive having locked up for three months, because that is the worst case in the review record.

Do not recommend it if any of these are true: you need chargeback protection on large purchases; you are in a restricted country or hold citizenship of one; you need a named issuer you can contact; you want to know your FX cost before you spend; you are in the EU and want to see a licence before you deposit; or you are putting savings in it.

My honest position. The rewards structure is the best of the four cards I looked at in one specific respect, and the subscription number is not a small thing. The reasons I still land at 6.4 are the ones that do not improve with use: an unnamed issuer, fees that are officially “disclosed at the Service” rather than disclosed, a terms document dated 2023-11-04, a 2.8/5 Trustpilot score with 2026 reports of months-long inaccessibility, an app distributed under another company’s package name, and no mention of chargebacks. If those are the details you cannot accept, use one of the three alternatives; if they are details you can price in, the card does what it says on the tin.

Frequently asked questions

What is COCA card?

COCA is a Visa payment card, offered physically and virtually, that spends from a crypto wallet rather than a bank account. You load it from an IBAN in EUR or USD, or stablecoins, and the card pays out of that balance. The issuer is not named; the operator is CCA Labs – FZCO in Dubai.

How does COCA card work?

Your crypto sits in a non-custodial wallet using Multi-Party Computation; at payment time it converts to fiat for the Visa card to spend. It behaves like a prepaid card: it draws on a stored balance and cannot overdraw. Assets transfer to a linked smart contract wallet for fiat payments; transactions cannot be cancelled.

Is COCA a bank?

No, and the distinction matters. COCA is not a bank; the operator is CCA Labs – FZCO, a payment provider whose card issuer is not named. Even electronic money institutions cannot lend, and safeguarded funds are not bank deposits and may not sit under a deposit guarantee scheme. Visa does not issue crypto cards.

Who owns COCA?

The company behind it is CCA Labs – FZCO, Dubai Digital Oasis, UAE, registration DSO-FZCO-31557. Separately, the Google Play package for its app is com.wirex.wallet, and a 2024 review describes Wirex accounts moving into the Coca Wallet app — so the two brands are connected, though the ownership chain is not stated.

Does COCA card require KYC?

Yes for the card, and the marketing needs care. The site says “no KYC hassles” about the wallet, but terms require cooperation with verification and you must choose your ID country. Unofficially, you pass the issuer’s identity check; required documents are not detailed and are not confirmed by COCA.

How much does the COCA card cost?

The App Store says “No maintenance fees” and free ATM withdrawals up to $250/month. Issuance price, conversion fees, and FX markup are not stated officially. Unofficial figures put FX at 0.5–1.5% by currency, with USD/EUR at 0%, and say the physical card requires a first top-up of 50 EUR.

Is COCA card free?

It is free to maintain, and unofficial reporting says issuance is free. Be careful: costs include conversion spreads, FX markup, on-chain network fees on top-ups, and 2% on ATM withdrawals above an unpublished allowance. Always check the app for current fees, as official figures are limited.

How do I top up the COCA card?

Three ways are documented: IBAN in EUR or USD, another card, or stablecoins. Documentation does not name coins or networks. Minimum top-up and network fees are not stated, so send a small test amount and confirm the network in the app before sending anything large.

Can I add COCA card to Apple Wallet?

It is not officially stated. Third-party sites list both Apple Pay and Google Pay as supported. Treat this as unofficial until you see it in your own app. Note that if a tokenised card number is restricted by the issuer, it can be blocked for mobile phone use.

Is COCA card safe?

It is safer than most: the wallet is non-custodial and has no seed phrase, but the card issuer is unnamed and terms do not mention chargebacks. Trustpilot shows 2.8/5 from 31 reviews, including 2026 reports of funds being inaccessible. Keep only what you can afford to have frozen.

How can I contact COCA support?

Support is available via email at [email protected], through the Discord “Need Help?” channel, on Telegram at t.me/coca_card, and on X via @coca_card. Official support hours are not published, and the App Store indicates that the platform’s interface and documentation are available in English only at this time.

Does COCA card support Google Pay?

Third-party reports suggest both Apple Pay and Google Pay integration are available for the COCA card, though this is not explicitly confirmed by official documentation. As with mobile wallet support, it is best to verify compatibility directly within your COCA app or your phone’s wallet settings before relying on this feature.

Can I use COCA card internationally?

The card is a Visa product, which is widely accepted internationally. However, because the issuer is not named and the programme is Dubai-registered, some cautious merchants may apply extra scrutiny or decline the transaction if your billing address does not match the issuer’s country. Always carry a secondary payment method.

What happens if COCA closes the programme?

Programme closures typically involve a notice period where spending and loading eventually stop. You would then be asked to withdraw your remaining balance to an external wallet. Because this is a self-custody-linked card, you should retain full control over your recovery credentials throughout the life of your account.

How are stablecoin transfers handled?

Transfers are handled via supported networks, and because blockchain transactions are irreversible, you must ensure the network and asset type match the app’s deposit address exactly. Sending funds to an unsupported network or address can result in permanent loss. Always send a small test amount to verify network compatibility first.

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