Deblock Card vs Kolo Card
Crypto native
Crypto native
Verdict
- Kolo Card scores higher overall (5.9 vs 5.6 out of 10).
- Kolo Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Deblock Card is a good fit for
- Frequent travellers
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
★ 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 | Deblock Card | Kolo Card |
|---|---|---|
| Fees | 70 | 100 |
| Cashback & rewards | 3 | 8 |
| Availability | – | – |
| FX & international | 80 | – |
| Product features | 70 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | 82 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.8 | 4.2 |
| Best for Travel | 6.8 | n/a |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | 5.7 | 6.3 |
| Best for Stablecoins | n/a | 6.6 |
| Best for High Spenders | 4.3 | 4.4 |
| Best for Low Fees | 7.9 | 8.0 |
| Best for Beginners | 6.8 | 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
VisaConditions apply: tap or hover for detailsShow source
Deblock is a direct VISA member
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Euros safeguarded by the e-money institution; digital assets self-custodied
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
Card issuer / program manager
Deblock SAS (electronic money institution licensed by the ACPR, CIB 17748)Show source
Tiers / plans
Standard · PremiumShow source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Premium 10 €/month
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always
Crypto conversion fee
1.99%Conditions apply: tap or hover for detailsShow source
Standard buy/sell/swap fee; Premium 0.49%
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
ATM fee
1% (min. €1)Conditions apply: tap or hover for detailsShow source
Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
Standard; Premium 1,000 €/month
Other fees & markups
Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Standard plan; Premium up to 1%
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Premium plan (10 €/month)
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
NoConditions apply: tap or hover for detailsShow source
No overdraft; may be considered in the future
Credit type
NoneShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Standard: 1 virtual card; Premium: 10
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Any ATM on the VISA network, also abroad
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Limits
ATM limit
€15,000Conditions apply: tap or hover for detailsShow source
Standard; Premium 30,000 €; period not stated
Security & custody
Regulation / licences
Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
Annual cost at 1,500 EUR/month
Deblock Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-18 EUR
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