Add funds to your Kolo balance from any external wallet or exchange. You can start a top-up from the main Wallet screen or from a specific balance page.
Top-up method | USD | EUR |
Crypto transfer | ✅ | ✅ |
Card-to-card transfer to your Kolo card number | ❌ | ✅ 1% FX fee applies |
How to Top Up With Crypto
From the Wallet Screen
Open Wallet.
Tap Top Up.
Select the network.
Copy the deposit address or scan the QR code.
Open the wallet or exchange you are sending funds from.
Send funds using the same asset and network shown in Kolo.
From a Balance Page
Open the balance you want to top up.
Tap Top Up.
Select the network.
Copy the deposit address or scan the QR code.
Send funds from your external wallet or exchange.
If only one network is available for the selected asset, Kolo may skip the network selection step and show the deposit address directly.
Choosing the Correct Network
Always make sure the network in Kolo matches the network you choose in the sending wallet or exchange. For example:
If Kolo shows | Send |
USDC on Ethereum (ERC20) | USDC using Ethereum (ERC20) |
ETH on Arbitrum One | ETH using Arbitrum One |
Gram (GRAM), formerly Toncoin (TON) | GRAM only through the supported TON network |
Sending funds through the wrong network or sending an unsupported asset may cause delays or loss of funds.
Memo, Tag, or Comment
Some networks may require an additional memo, tag, or comment. If Kolo shows one on the deposit screen:
Copy the wallet address.
Copy the memo, tag, or comment exactly as shown.
Enter both details in the sending wallet or exchange.
If a required memo, tag, or comment is missing or incorrect, the deposit may not be credited automatically.
Minimum Amount, Confirmations, and Fees
On the deposit address screen, Kolo may show:
Minimum amount — the minimum deposit amount for this asset and network
Confirmations — how many blockchain confirmations are needed before the deposit can be credited
Fee — the Kolo fee for receiving this deposit, if applicable
Kolo does not charge a fee for crypto deposits, but the sending wallet, exchange, or blockchain network may charge its own fee.
If you send less than the minimum amount, the deposit will not be credited automatically and will stay pending. To complete it, send the remaining amount needed to reach the minimum to the same deposit address, using the same memo, tag, or comment if one is shown. Once the total amount received reaches the minimum, the deposit will be credited to your balance.
After You Send the Funds
Crypto deposits are processed after the transaction is confirmed on the blockchain. Processing time may depend on:
the selected network
blockchain confirmation speed
network congestion
additional checks required for the transfer
Once the deposit is completed, it appears in your transaction history and your balance is updated.
If Kolo Asks for More Information
In some cases, Kolo may ask you to provide additional information about the sender or source of funds before the deposit can be completed. If you see Need your action:
Open the transaction details.
Tap Add information.
Follow the instructions in the app.
Submit the required details.
Your deposit can continue processing after the required information is provided and approved.
Before You Send: Checklist
the selected asset
the selected network
the deposit address
memo, tag, or comment, if shown
the minimum deposit amount
the fee shown by the sending wallet or exchange
FAQ
Can I reuse the same deposit address?
Can I reuse the same deposit address?
Use the deposit address shown in Kolo for the selected asset and network. If you are unsure, open Kolo again and copy the current address before making a new transfer.
What happens if I sent less than the minimum amount?
What happens if I sent less than the minimum amount?
The deposit will not be credited automatically and will stay pending. To complete it, send the remaining amount needed to reach the minimum to the same deposit address, using the same memo, tag, or comment if one is shown. Once the total amount received reaches the minimum, the deposit will be credited to your balance.
Can I top up my EUR card by card or bank transfer?
Can I top up my EUR card by card or bank transfer?
Yes — you can top up by making a direct card transfer to your Kolo card number (a regular card-to-card transfer). The amount is automatically converted and credited to your balance as crypto (USDC), usually within a few minutes. Direct crypto transfer also remains available. This option is only available for EUR cards — USD cards can currently be topped up by crypto transfer only. Please note: a card-to-card top-up is processed as a reversal, so the standard 1% FX fee applies to the converted amount.
Where can I see my completed deposit?
Where can I see my completed deposit?
Completed deposits appear in your transaction history.