Kolo Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- Kolo Card scores higher overall (5.9 vs 5.2 out of 10).
- Kolo Card is clearly stronger on: Fees, Product features, Custody & security.
- Zoomex 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
Stronger on: Fees, Product features, Custody & security
Zoomex Card is a good fit for
- 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 | Zoomex Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 8 | 21 |
| Availability | – | – |
| FX & international | – | 20 |
| Product features | 70 | 56 |
| Custody & security | 80 | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.2 | 4.3 |
| Best for Travel | n/a | 4.5 |
| Best for Self-Custody | 6.9 | n/a |
| Best for DeFi Users | 6.3 | 5.1 |
| Best for Stablecoins | 6.6 | 5.5 |
| Best for High Spenders | 4.4 | 4.0 |
| Best for Low Fees | 8.0 | 6.7 |
| Best for Beginners | 7.4 | 6.7 |
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
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
VisaShow 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
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Fees
Annual fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
1%Show source
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
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Annual cost at 1,500 EUR/month
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers