Kolo
Kolo is a crypto card issued on Visa, rated 6.8/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Kolo is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at MPC non-custodial wallet; virtual only, no physical card risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Kolo · Crypto Card |
| Official site | https://kolo.xyz |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.8/10 (3.5★, 861 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | free (activation deposit 10 USDC credited back) |
| Top-up (deposit) fee | 0% crypto deposit; 1% card-spend conversion |
| FX / conversion fee | 0% matching currency; USD card +1%, EUR card +0.55%-1.35% |
Verification and risk
| KYC required | yes (full KYC via Sumsub) |
| Risk level | MPC non-custodial wallet; virtual only, no physical card |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (BTC, ETH, USDT, USDC, EURC) |
| Bank transfer | yes (SEPA) |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | Global |
| Billing country | 60+ countries (189 listed); not US/CN/KP |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- During payments, your crypto can be converted into the local currency via Apple Pay and Google Pay right after you complete a 1-minute KYC Verification in Kolo.
- Activate your crypto card by completing a 1‑minute KYC.
- During payment, your crypto will be automatically converted to the local currency at a great rate, for no extra fee.
Source: https://kolo.xyz.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 491166 | Visa | Multi-region | Debit | 258 | 185 | 71.7% |
We logged 185 cleared charges out of 258 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Visa virtual cards
Frequently asked
What does Kolo cost to run?
The cost lines stack like this: issuing the card is free; top-ups cost 0% crypto deposit; 1% card-spend conversion; conversion is priced at 0% matching currency; USD card +1%, EUR card +0.55%-1.35%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Kolo?
Kolo asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full KYC via Sumsub)
How can I fund Kolo?
You can fund it with crypto (BTC, ETH, USDT, USDC, EURC), bank transfer (SEPA). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Kolo need?
Setting it up: the billing address type is Global; cards are issued against 60+ countries (189 listed); not US/CN/KP; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Kolo work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Kolo trigger 3-D Secure?
Yes. Kolo supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Kolo?
Kolo allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.