Image: KuCoin

KuCard by KuCoin review: fees, cashback and limits

Name: KuCard by KuCoin
Brand: KuCoin

KuCoin's Visa debit card for Europe, with up to 3% back in KCS and no monthly caps.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

5.6out of 10

Quick answer

KuCard is KuCoin's Visa debit card for residents of 29 EEA countries. It's free, with no annual fee and 0% advertised FX (Visa's own rate applies). Cashback is paid in KCS, from 0.5% with no KCS up to 3% if you hold 3,500+ KCS, with no monthly cap. ATM withdrawals cost 1.5% plus the operator's fee. It spends from a separate Funding Account, so hold USDT there for the cheapest conversion.

KuCard at a glance

Best for	KuCoin users in Europe who hold some KCS.
Skip it if	You live outside the EEA or want to withdraw cash often.
Network	Visa
Card issuer	A third-party banking partner (not named)
Custody	Custodial (funds stay on KuCoin)
Card type	Debit
Virtual or physical	Virtual, plus an optional physical card
Cashback	0.5% to 3% in KCS
Annual fee	None
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required (Level 1 or higher)
Where it works	29 EEA countries.

KuCard fees

Card cost	Virtual free. Physical card has a small shipping fee, waived from VIP 1.
Annual or membership fee	None
FX and cross-border	0% advertised. Visa's exchange rate applies.
Crypto conversion	Advertised as 0% (promotional). Reviewers measured about 0.3% to 0.5% on stablecoins and more on other coins.
ATM withdrawals	1.5%, plus the ATM operator's fee

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

What a $100 purchase costs with KuCard

$0.40Paid from stablecoins in the card's own currency

$0.40Paid from stablecoins in a foreign currency

$1.00Paid from other crypto, like BTC or ETH

$0.50Cashback on $100, Base tier

These are KuCard's own fees on the Base 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: #25 of 36 in Europe (EEA)

Cashback and rewards

0 KCS: 0.5%. 100 KCS: 1%. 500 KCS: 1.5%. 1,000 KCS: 2%. 3,500+ KCS: 3%.
No monthly cap. Paid around the 5th of the following month.

Deposits and withdrawals

How to top up

Move funds into your KuCoin Funding Account
Deposit crypto to KuCoin from any wallet

Fees: No card top-up fee. Hold USDT for the lowest conversion cost.

How to withdraw

Withdraw from KuCoin as usual
ATM cash withdrawals

Fees: ATM 1.5% plus operator fees.

Supported assets: Balances in your KuCoin Funding Account, best as USDT.

Where KuCard works

29 EEA countries.

Not issued in the US, UK or most countries outside Europe.

Europe (EEA)

Limits and perks

Limits

ATM: €250 a day

Perks

None published

Pros and cons

What's good

No annual fee
Cashback with no monthly cap
0.5% even without KCS

What's not

Best rates need KCS holdings
1.5% ATM fee
Conversion spreads on volatile coins
Europe only, custodial

Our take on KuCard

KuCard is a free Visa debit card for KuCoin users in Europe. It spends from a dedicated Funding Account rather than your trading balance, which keeps things tidy. Holding USDT there is the cheapest way to use it, since volatile coins carry wider spreads.

Cashback comes in KCS and has no monthly cap, which is unusual. You get 0.5% with no KCS, and up to 3% if you hold 3,500 or more. ATM withdrawals cost 1.5% plus the machine's own fee, so it's not a cash card.

A decent no-fee card for KuCoin users in Europe, especially if you already hold KCS.

How we scored KuCard: 5.6/10

Methodology

Fees 30%

7 No annual fee, but 1.5% ATM and spreads on volatile coins.

Rewards 20%

6 Uncapped, up to 3% with KCS.

Control 20%

4 Custodial, issuer unnamed.

Reach 15%

5 29 EEA countries.

Flexibility 15%

5 Spends from a Funding Account.

KuCard FAQ

How much does the KuCard by KuCoin cost?

Virtual free. Physical card has a small shipping fee, waived from VIP 1. Annual or membership fee: None.

Does KuCard have cashback?

0.5% to 3% in KCS. 0 KCS: 0.5%. 100 KCS: 1%. 500 KCS: 1.5%. 1,000 KCS: 2%. 3,500+ KCS: 3%.

What are the KuCard FX and ATM fees?

FX: 0% advertised. Visa's exchange rate applies. ATM: 1.5%, plus the ATM operator's fee.

Where is KuCard available?

29 EEA countries. Not issued in the US, UK or most countries outside Europe.

Is KuCard self-custody?

Custodial (funds stay on KuCoin).

Sources

SpendNode: KuCoin KuCard reviewFees, KCS tiers, countries, verified Oct 12, 2026
KuCoin Support: About cashbackOfficial cashback terms

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.