Kolo

Kolo Card is a virtual Visa debit card you can use anywhere Visa is accepted.

Card Overview

How personal card activation works, what you need first, and what to expect.

Personal Card Activation

Where you can use your Kolo USD and EUR cards — Apple Pay, Google Pay, Apple ID, Google Play and PayPal — and how to add them.

Add Your Kolo Card to Apple Pay, Google Pay and More

How Kolo card payments use Spending Balances, how to manage their priority order, and how payment conversion works.

Card Spending Balances — How It Works

What USD balance is in Kolo, how you can use it, and which USD transfers aren't available.

USD Balance — How You Can Use It

How card appearance works in the Kolo app and in supported mobile wallets — Apple Wallet and Google Wallet.

Card Appearance & Customization

Set a PIN code for your USD Kolo card to protect it and make card payments more secure.

How to Set Up Your Card PIN

You can now withdraw cash from ATMs using your Kolo USD card. This feature is currently available for USD cards only.

Cash Withdrawal

How to grant access to a personal wallet, what the other person can do, and how to remove access at any time.

Grant Access to Your Personal Wallet

Main risk rules, transaction limits, and common decline reasons for Kolo Visa USD cards.

[Visa USD 454905] Card Risk Rules & Decline Reasons

Limits and restrictions that apply specifically to the Kolo EUR card.

[Visa EUR 442601] Card Limits and Restrictions

3D Secure (3DS) is an additional security layer for online card payments that helps verify your identity and protect against fraud.

3D Secure (3DS) — How It Works

How to temporarily lock your Kolo card or permanently terminate it, and what happens to your funds.

Card Lock & Termination

The difference between refunds and reversals, where returned funds go, and why a transaction may look like a refund followed by a new charge.

Refunds & Reversals

Why car rental companies place a temporary hold above the rental price on your EUR card and when it's released.

Why Is More Money Held Than My Car Rental Cost?

A chargeback is a way to dispute a card transaction and potentially recover funds when something goes wrong with a purchase.

Chargebacks — Protection & Disputes

What an MCC (Merchant Category Code) is and which MCC codes are behind each transaction category in the Kolo app.

Transaction Categories & MCC Codes

Complete guide to your Kolo card — ordering, activation, usage, security, and troubleshooting.

Card

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