Bitwala Card vs Kolo Card
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 5.9 out of 10).
- Kolo Card is clearly stronger on: Fees, Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala 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: Fees, Product features, 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 | Bitwala Card | Kolo Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | 8 |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 58 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.2 |
| Best for Travel | 6.6 | n/a |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | 6.2 | 6.3 |
| Best for Stablecoins | 6.8 | 6.6 |
| Best for High Spenders | n/a | 4.4 |
| Best for Low Fees | 7.6 | 8.0 |
| Best for Beginners | 7.9 | 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
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
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
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Cashback & rewards
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
Cashback paid in
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
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
BTC · ETH · LTC · USDT · USDC · EURCShow source
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 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