Quick Summary
Key Features
- MPC non-custodial wallet — world's first MPC wallet with a non-custodial debit card
- Tiered cashback 1-8% (Starter 1% with zero staking ... Elite 8%), paid in $COCA token
- 0% FX on direct USD/EUR pairs; 0% conversion fees; free SEPA transfers
- 5-6% APY on balances; 50% subscription rebates on higher tiers
Main Advantages
- 8.0% cashback on eligible spend
- Free virtual card issuance
- Multi-region availability (6 regions)
- Works with Apple Pay and Google Pay
Notable Limitations
- Terms change often — the provider's live numbers are final
The cards
Every format COCA issues — pick the one that fits how you spend.
COCA Virtual
COCA Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
COCA: Reported in 81 countries across 6 regions (United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the COCA card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | COCA Virtual | COCA Physical |
|---|---|---|
| Issuance fee | $0 virtual; $5 physical on lower tiers | $0 virtual; $5 physical on lower tiers |
| Monthly fee | $0 | $0 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 8.0% cashback on eligible spend |
| Mobile wallets | MPC non-custodial wallet — world's first MPC wallet with a non-custodial debit card |
| Rewards | Tiered cashback 1-8% (Starter 1% with zero staking ... Elite 8%), paid in $COCA token |
| Spending & FX | 0% FX on direct USD/EUR pairs; 0% conversion fees; free SEPA transfers |
| Perks | 5-6% APY on balances; 50% subscription rebates on higher tiers |
| Cash access | Free ATM withdrawals up to $250/month, then 2% |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: MPC non-custodial wallet, 15+ blockchain swaps (zero fee), crypto deposit, SEPA on/off-ramp |
| Age | You must be 18 or older to apply |
Card specs
| Feature | COCA |
|---|---|
| Virtual card issuance | $0 virtual; $5 physical on lower tiers |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | MPC non-custodial wallet, 15+ blockchain swaps (zero fee), crypto deposit, SEPA on/off-ramp |
| Supported assets | USDC, EURC, USDT, EURS |
| Regions | United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America |
Rating breakdown
Pros & cons
Pros
- MPC non-custodial wallet — world's first MPC wallet with a non-custodial debit card
- Tiered cashback 1-8% (Starter 1% with zero staking ... Elite 8%), paid in $COCA token
- 0% FX on direct USD/EUR pairs; 0% conversion fees; free SEPA transfers
- 5-6% APY on balances; 50% subscription rebates on higher tiers
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the COCA virtual card cost?
The virtual card issuance fee is listed as $0 virtual; $5 physical on lower tiers. Virtual card free on all six tiers; physical card $5 on Starter/Standard/Standard+, free on Premium/Premium+/Elite. No annual fee. Fees change often — confirm in the app.
Which countries support COCA?
COCA is available in: United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America. Available in ~75-79 countries: EEA, UK, APAC, Oceania, UAE, Africa, LATAM. NOT available in the US/Canada.
Does COCA require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the COCA card with?
Supported top-up methods: MPC non-custodial wallet, 15+ blockchain swaps (zero fee), crypto deposit, SEPA on/off-ramp.
Our verdict
COCA scores 9.0/10 in our rating system. Non-custodial card that bundles free SEPA banking, zero-fee swaps across 15+ chains, and up to 8% cashback.
Get the COCA card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit COCA's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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