Kolo Card is a virtual Visa debit card that lets you spend your crypto balance anywhere Visa is accepted.
Card Types & Issuers
Kolo works with multiple card issuers behind the scenes. Based on your verification, we determine which card program best fits your profile. This means some rules, limits, and features may vary depending on your assigned card issuer.
When issuer-specific differences apply, we clearly specify them in the relevant documentation.
Currently available:
Card | BIN | Network | Tier | Currency | Issuer | Issuer Country |
Kolo Visa Card | 454905 | Visa | Platinum | USD | Banco Popular de Puerto Rico | Puerto Rico (ISO 630) |
Kolo Visa Card | 442601 | Visa | Platinum | EUR | WIREX, LTD | United Kingdom (ISO 826) |
Card Issuance Limits
Each account can issue a limited number of cards per currency:
Card | Issuance limit |
USD Card (BIN 454905) | Up to 50 new cards in any 90-day period |
EUR Card (BIN 442601) | Up to 5 cards over the lifetime of the account |
You can have up to 3 active cards at a time. See Personal Card Activation.
Visa Platinum Benefits
Kolo cards with BIN 454905 and BIN 442601 are Visa Platinum tier cards. However, Kolo does not currently have a direct integration with the Visa Loyalty program.
To explore and claim Visa Platinum benefits (such as travel perks, insurance, discounts, and offers), please visit official Visa resources: Visa Platinum Benefits
Visa Platinum benefits and promotions are managed directly by Visa. Any eligible perks can be explored and claimed through Visa's official channels.
Virtual & Mobile Wallets
All Kolo cards are currently virtual only — there's no plastic card to carry. You can add your card to:
Apple Pay — for iPhone, Apple Watch, iPad, and Mac
Google Pay — for Android devices
This allows you to make contactless payments at physical stores and seamless online checkouts.
Availability depends on your card type (USD or EUR). See Add Your Kolo Card to Apple Pay, Google Pay and More for details, including Apple ID, Google Play and PayPal.
Physical cards are planned for 2027.
How Payments Work
When you pay with your Kolo Card, here's what happens:
Authorization — We check your available crypto balance
Conversion — Your crypto is converted at the current rate
Payment — The merchant receives confirmation of payment
Multiple assets in one payment: You can pay using a combination of different cryptocurrencies. For example, if you're paying $675 at a merchant, the system might use 100 USDT + 0.25 ETH to cover the total amount.
Conversion happens instantly at the moment of payment. You do not need to pre-sell your balance or maintain a separate USD balance before making a purchase.
Where Can I Use Kolo Card?
Your Kolo Card works anywhere Visa is accepted worldwide, with a few exceptions due to international sanctions.
Kolo USD Card — see Card Risk Rules and Decline Reasons for the full list of restricted countries.
Kolo EUR Card — see EUR Card Limits and Restrictions for the full list of restricted countries.
Need Help?
If you are not sure which card program applies to you, how to fund your card, or whether you should use a personal or business card flow, contact Support.