You can use your Kolo card anywhere Visa is accepted worldwide, except in the countries and regions listed below. These restrictions apply both to card payments and to ATM cash withdrawals. The restrictions differ slightly between the USD Card and the EUR Card, so please check the column for your card.
USD Card | EUR Card | |
Card payments | ✅ Worldwide, except the countries below | ✅ Worldwide, except the countries below |
ATM cash withdrawals | ✅ Except the countries below | ❌ Not available at all |
Restricted Countries and Regions
Transactions with merchants located in a country or region marked for your card are automatically declined.
Country / region | USD Card | EUR Card |
Afghanistan | ❌ | |
Belarus | ❌ | |
Bosnia and Herzegovina | ❌ | |
Central African Republic | ❌ | |
Cuba | ❌ | ❌ |
Democratic Republic of the Congo | ❌ | |
Ethiopia | ❌ | |
Iran | ❌ | ❌ |
Iraq | ❌ | |
Lebanon | ❌ | |
Libya | ❌ | |
Myanmar | ❌ | |
Nicaragua | ❌ | |
North Korea | ❌ | ❌ |
Palestine | ❌ | |
Russia | ❌ | ❌ |
Sudan | ❌ | |
Syria | ❌ | ❌ |
Ukraine | ❌ | |
Venezuela | ❌ | ❌ |
Zimbabwe | ❌ |
USD Card
Syria, Iran, Cuba, North Korea, Russia, Venezuela — restricted due to international sanctions. Card payments and ATM cash withdrawals are automatically declined.
Ukraine — regulatory restriction. Kolo USD Card payments with Ukrainian merchants, or payments processed in Ukrainian hryvnia (UAH), are not supported and are automatically declined due to card provider restrictions. ATM cash withdrawals in Ukraine are also not available.
The Ukraine restrictions apply to the USD Card (BIN 454905) only — they do not apply to the EUR Card.
EUR Card
Card payments with merchants located in the countries marked as restricted in the EUR Card column above are automatically declined. Cash withdrawals are not available with the EUR Card at all.
All Other Countries
For other countries, you can use your Kolo Card at merchants and online stores that accept Visa.
Before You Pay
Make sure that:
your card is active
your card is not locked or terminated
you have enough available balance
the merchant accepts Visa
the transaction does not fall under other card risk or merchant restrictions
the ATM supports contactless / NFC payments (for cash withdrawals)
Need Help?
If a payment was declined and none of the above applies, contact Support and share the Transaction ID.