Binance Card vs Kolo Card
Crypto native
Crypto native
Verdict
- Kolo Card scores higher overall (5.9 vs 4.9 out of 10).
- Kolo Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Binance Card | Kolo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | 8 |
| Availability | 3 | – |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 87 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.6 | 4.2 |
| Best for Travel | 4.8 | n/a |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | 5.5 | 6.3 |
| Best for Stablecoins | 5.7 | 6.6 |
| Best for High Spenders | 4.4 | 4.4 |
| Best for Low Fees | 7.8 | 8.0 |
| Best for Beginners | 6.5 | 7.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
Card type
Debit cardShow source
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyConditions apply: tap or hover for detailsShow source
Since 1 July 2026: Kolo holds one key share and never assembles the full private key
Fees
Annual fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Issuance; 30 BRL if the physical card is cancelled within one year
Replacement fee
€25Show source
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2% depending on the transaction
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
ATM fee
$1.50Conditions apply: tap or hover for detailsShow source
After 2 free withdrawals per month
Cashback & rewards
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Up to; paid monthly into the Binance wallet
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
Cashback paid in
BNBShow source
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Rate depends on BNB holdings
Staking asset
BNBShow source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Currently only Brazil
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Limits
Spending limit
R$25,000Conditions apply: tap or hover for detailsShow source
Per day (50,000 BRL per month); higher with further verification
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers