COCA vs Figo
Both COCA and Figo clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
COCA issues on Visa and Figo on Visa (US BIN); both ask for ID + proof; only Figo funds by bank transfer.
COCA is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo is the better fit for power users who need bank-transfer funding and ad spend.
What sets them apart
| Field | COCA | Figo |
|---|---|---|
| Card network | Visa | Visa (US BIN) |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free | $2 (limited-time free) |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 0% | 2% + $0.6 intl |
| Crypto funding | Yes | Yes (USDC/USDT/PYUSD) |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | Medium |
| Our rating | 8.9 | 8.2 |
| User reviews | 341 | 851 |
| Best for | All-rounder · AI subscriptions | Ad spend · Streaming |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Tight on fees? COCA is the cheaper card to hold day to day.
- COCA covers a wider spread of use cases; Figo is more of a single-purpose tool.
- COCA edged Figo on our composite rating across fees, risk and merchant tests.
The short version of the matchup
COCA is the cheaper card to hold: free to create and no top-up fee, against about $2 and no top-up fee at Figo. Figo earns its keep only if you need bank-transfer funding and ad-platform billing.
Questions people ask
That depends on what you spend on. COCA scores 8.9/10 against Figo's 8.2/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
COCA works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
COCA asks for ID + proof at signup; Figo asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Twitch. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
COCA and Figo both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
Their BIN ranges
Cards issued in 🇳🇱 Netherlands · 🇦🇺 Australia — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: