Image: COCA

COCA Visa Card review: fees, cashback and limits

Name: COCA Visa Card
Brand: COCA

A self-custody Visa with 0% FX, a 5% yield on USD and up to 8% back for COCA stakers.

By Taimoor, founder and editor Last checked 16 October 2026 1 source

7.8out of 10

Visit COCA

Quick answer

COCA is a self-custody Visa card issued by Wirex, with no annual fee and 0% FX on all currencies. ATM withdrawals are free up to $250 a month, then 2%. Cashback is paid in USDC or EURC: 1% with nothing staked, rising to 3% to 8% if you stake 300 to 30,000 COCA tokens. Monthly claim limits apply, from $15 to $350. USD balances earn a variable 5% a year, and you get a personal IBAN.

COCA at a glance

Best for	Self-custody fans who spend abroad and want an IBAN.
Skip it if	You want high cashback without staking a token.
Network	Visa
Card issuer	Wirex Limited (UK) and UAB Wirex (EEA)
Custody	Self-custody smart wallet
Card type	Debit
Virtual or physical	Virtual (free) and physical ($5, free from Premium)
Cashback	1% to 8% in stablecoins
Annual fee	None
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	76 countries as of October 2026.

COCA fees

Card cost	Virtual free. Physical $5 (free on Premium and above).
Annual or membership fee	None
FX and cross-border	0% on all currencies
Crypto conversion	0% trading fee. Cross-chain swaps free.
ATM withdrawals	Free up to $250 a month, then 2%. Limit €850 a day.

Visa applies its own exchange rate on top of any card markup. Check the fee page in the COCA app for your country before you load money. To see what COCA would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with COCA

$0.00Paid from stablecoins in the card's own currency

$0.00Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$1.00Cashback on $100, Starter tier

These are COCA's own fees on the Starter tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #3 of 36 in Europe (EEA)#2 of 20 in United Kingdom

Cashback and rewards

Starter (no stake) 1%. Standard (300 COCA) 3%. Standard+ (1,000) 4%. Premium (3,000) 5%. Premium+ (10,000) 6%. Elite (30,000) 8%.
Monthly claim capacity from $15 (Starter) to $350 (Elite)
50% back on selected subscriptions up to $35 each
Staked COCA is locked, with a 30-day cooldown

Tier	Price or requirement	Cashback	Notes
Starter	No stake	1%	$15 monthly claim cap
Premium	3,000 COCA staked	5%	$60 cap, free physical card
Elite	30,000 COCA staked	8%	$350 cap

Deposits and withdrawals

How to top up

Deposit USDC, USDT, ETH or BTC to your smart wallet
SEPA transfers to your personal IBAN

Fees: No top-up fee.

How to withdraw

Send crypto to any wallet
SEPA transfers
ATM withdrawals

Fees: ATM free up to $250 a month.

Supported assets: USDC, USDT, ETH, BTC and more.

Where COCA works

76 countries as of October 2026.

Not available in the US, Canada, China, India, Singapore or Egypt.

GlobalEurope (EEA)United Kingdom

Limits and perks

Limits

€30,000 per transaction, day and month

Perks

Variable 5% a year on USD balances
Subscription rebates

Pros and cons

What's good

0% FX on every currency
Self-custody with a personal IBAN
Free ATM allowance
Yield on USD balances

What's not

Good cashback needs staked COCA
Low monthly claim caps
Not in the US or Canada

Our take on COCA

COCA is a self-custody card issued through Wirex. Your funds sit in a smart wallet, and the Visa spends them with 0% FX on every currency, which makes it a strong travel option. ATM withdrawals are free up to $250 a month, and you get a personal IBAN.

Cashback starts at 1% and rises to 8% if you stake COCA tokens, but the monthly claim limits are low, from $15 to $350. At Starter, that's capped at $15 a month. The yield on USD balances, currently 5%, is a nice extra.

A strong self-custody travel card. Treat the higher cashback tiers as a token bet.

How we scored COCA: 7.8/10

Methodology

Fees 30%

9 0% FX and free ATM allowance.

Rewards 20%

6 Up to 8%, with low claim caps.

Control 20%

8 Self-custody.

Reach 15%

7 76 countries.

Flexibility 15%

8 IBAN plus several assets.

COCA FAQ

How much does the COCA Visa Card cost?

Virtual free. Physical $5 (free on Premium and above). Annual or membership fee: None.

Does COCA have cashback?

1% to 8% in stablecoins. Starter (no stake) 1%. Standard (300 COCA) 3%. Standard+ (1,000) 4%. Premium (3,000) 5%. Premium+ (10,000) 6%. Elite (30,000) 8%.

What are the COCA FX and ATM fees?

FX: 0% on all currencies. ATM: Free up to $250 a month, then 2%. Limit €850 a day.

Where is COCA available?

76 countries as of October 2026. Not available in the US, Canada, China, India, Singapore or Egypt.

Is COCA self-custody?

Self-custody smart wallet.

Sources

SpendNode: COCA reviewTiers, fees, issuer, countries, Sep 20, 2026

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.