Here's how to activate your personal Kolo card, what you need first, and what to expect.
Topic | Details |
Verification required | Yes |
Card availability | Depends on your verification, verification country, document country, and regulatory availability |
Minimum deposit | 10 USDT/USDC/DAI or 9 EURC/EURI |
Typical activation time | Up to 10 seconds |
Card issue bonus | Refunded in USD, spendable but not withdrawable |
Max wallets | 100 wallets per account |
Max active cards | 3 cards at any time |
Cards per wallet | 1 active card per wallet |
When to contact Support | If activation takes more than 30 minutes |
Prerequisites
Before activating your card, you must complete verification. Once your identity is verified, you may be eligible to activate your card.
Card Availability
Completing verification does not automatically mean that card issuance is available in every case.
Card availability depends on the card program assigned after verification and may also be limited by your verification country, document country, and regulatory requirements. In some cases, card issuance may be restricted due to regulatory requirements in your country. However, you may be able to onboard using alternative documents, such as a residence permit from another country, depending on eligibility.
If card issuance is not currently available for your verification, the card option may not appear in the app even if your verification has already been completed successfully.
If card issuance is available for your account, you can continue with card activation below.
Card creation or activation may be restricted if your account has reached the maximum number of cards allowed by the issuer. In such cases, new card requests may be rejected, and any reserved funds will be returned to your wallet.
How to Activate Your Card
Step 1: Make Your First Deposit
To activate your card, deposit at least the minimum amount for your card's currency in one of the supported stablecoins. The exact minimum depends on whether you're activating a USD card or a EUR card.
USD card (equivalent of 10 USD) | EUR card (equivalent of 10 EUR) |
10 USDT (Tether) 10 USDC (USD Coin) 10 DAI 9 EURC (Euro Coin) 9 EURI | 12 USDT (Tether) 12 USDC (USD Coin) |
Tip: Once your deposit is successfully confirmed, a card issuing request is created automatically.
Important rules:
The activation amount must be deposited in one of the supported stablecoins listed above.
The deposit must be made in a single currency, with an equivalent amount of at least the minimum requirement.
Step 2: Card Issuing
After your deposit is confirmed:
The card issuing process begins automatically
Typical processing time: up to 10 seconds
The minimum deposit amount will be deducted from your balance
You'll receive an automatic card issue bonus (refund) in USD
Card Issue Bonus
The amount you deposited for activation is refunded as a card issue bonus in USD. This bonus is designed to help you start using your card right away.
Action | Card issue bonus |
Spend with your card | ✅ Immediately |
Withdraw or exchange | ❌ |
Activation Delays
While card activation usually takes only 10 seconds, delays can occasionally occur.
What Happens During a Delay?
You'll see the "Card Activation" screen with a loading indicator
Our technical team is automatically notified when issuing takes longer than 10 seconds
The team works to resolve the issue immediately
When to Contact Support
If your card is not issued within 30 minutes, we recommend contacting Support. However, this is extremely rare.
Tip: Most activation delays are resolved automatically within minutes. If you see the loading screen, your request is being processed.
How to Get Your EUR Card
If you're new to Kolo:
Open Kolo — the Kolo app (App Store / Google Play) or the Telegram Mini App
Pass a quick verification — have your ID ready, takes about 5 minutes
Pick EUR card (if available) and pass the activation flow
Your EUR Visa Platinum card is issued
Add it to Apple Pay / Google Pay
Start paying
If you already have a Kolo card:
Open the app — you're already verified
Go to your wallets and open a new one
Pass the activation flow for the EUR card
Top up, pay, and withdraw in euros right away
EUR and USD card availability depends on your country eligibility.
Multiple Cards and Profiles (Wallets)
Kolo allows you to manage multiple wallets and cards with the following limits:
Profile (Wallet) Limits
You can create up to 100 profiles (wallets) in your account
Each profile (wallet) can have only 1 active card at a time
Active Card Limits
You can have up to 3 active cards across all profiles (wallets) at any given time
To issue a 4th card, you'll need to terminate one of your existing active cards first. Additionally, card issuers may impose their own limits on the total number of cards you can create, which cannot be adjusted by Kolo.
Example Scenarios
Setup | Result |
Wallet A: 1 active card, Wallet B: 1 active card, Wallet C: 1 active card | ✅ 3 active cards total (allowed) |
Wallet A: 1 active card, Wallet B: 1 active card, Wallet C: 1 active card, Wallet D: attempting to activate | ❌ 4 active cards total (not allowed) |
FAQ
Why can't I issue or activate a Kolo card?
Why can't I issue or activate a Kolo card?
Card issuance may not be available for every verified account. It can depend on your verification country, document country, regulatory requirements, and card limits.
If the card option is not shown in the app or the card was not issued after your deposit, contact Support so we can check your case.
Do I need to complete verification before activating my card?
Do I need to complete verification before activating my card?
Yes. You must complete verification before you can activate your personal card.
Does completing verification guarantee that I will see the card in the app?
Does completing verification guarantee that I will see the card in the app?
No. Completing verification does not automatically mean that card issuance is available. Availability may depend on your verification country, document country, and regulatory requirements.
Why has my card not appeared immediately after the deposit?
Why has my card not appeared immediately after the deposit?
In most cases, card issuing starts automatically and finishes within seconds. If it takes longer, the request may still be processing.
Can I activate more than one personal card?
Can I activate more than one personal card?
Yes, but wallet and active card limits apply.
What should I do if I closed the card activation banner?
What should I do if I closed the card activation banner?
If you closed the card activation banner before issuing your card, you can continue from Settings → Issue Card.
Need Help?
If your card has not been issued, or you are not sure whether your flow is personal or business, contact Support.