Verdict
- Mine Card scores higher overall (6.3 vs 5.9 out of 10).
- Mine Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
★ 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 | Kolo Card | Mine Card |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 8 | 26 |
| Availability | – | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 85 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.2 | 5.1 |
| Best for Self-Custody | 6.9 | 7.4 |
| Best for DeFi Users | 6.3 | 6.8 |
| Best for Stablecoins | 6.6 | 7.0 |
| Best for High Spenders | 4.4 | 5.1 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.4 | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Card type
Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source
Spends from your USDC balance, converted at purchase
Network
VisaShow source
MastercardShow source
Custody model
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
Self-custodyShow source
Card issuer / program manager
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
Tiers / plans
Basic · PremiumConditions apply: tap or hover for detailsShow source
Metal and Private announced, no price yet
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic and Premium are one-off fees, no subscription
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium tier (physical + virtual card), one-off; $99 with an invite code
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
One-off; free with an invite code
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Top-up fee
FreeShow source
Other fees & markups
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
BTCShow source
USDCShow source
Cashback type
CryptoShow source
StablecoinShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Opt-in Earn via Aave V3, off by default; variable
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
Availability
Account / spend currencies
CHF · EUR · USDCShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium tier
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Limit $20,000 per month on Basic, $60,000 on Premium
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Listed only under the (not yet released) Metal tier; not on Basic or Premium
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
USDCShow source
Limits
ATM limit
$20,000Conditions apply: tap or hover for detailsShow source
Per month on Basic; $60,000 on Premium
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to opt-in Earn via Aave V3
Annual cost at 1,500 EUR/month
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers