#28
Coinbase Card
7.0/10
Ranked #29 of 32
Overview
The KuCard is a custodial Visa debit card from KuCoin, one of the largest global exchanges (operating since 2017). It spends directly from your KuCoin Funding Account, auto-converting crypto to fiat at the point of sale, and its standout is breadth: unlike cards limited to BTC, ETH and a few stablecoins, it converts a huge range of altcoins instantly. It works via Apple Pay and Google Pay, has no annual fee if you spend €500+/year, and issues both virtual and physical cards. As of mid-2026 it's available in 29 countries, not including the US.
★ KuCoin Card referral code
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Using KuCoin Card's referral code at sign-up may unlock a welcome perk where the provider offers one. Availability and amounts are set by KuCoin Card and vary by region — check their site for current terms.
Rating breakdown
How the KuCoin Card scores across the categories we weigh into its overall 6.6/10.
Fees & value6.4
Rewards7.0
Ease of use8.0
Security & custody6.6
Availability7.0
Cashback & rewards
KuCard cashback is paid in KCS (KuCoin Token), KuCoin's own volatile token, not a stablecoin. So the real value fluctuates with KCS's price, and KuCoin's own terms warn the fiat-equivalent value of redeemed cashback may change.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Standard | 0 KCS staked | 0.5% in KCS | No monthly cap |
| Pro | 100 KCS (~$900) | 1% in KCS | No monthly cap |
| VIP 1 | Higher KCS stake | ~2% in KCS | No monthly cap |
| VIP 2+ | ~3,500 KCS (~$31,500) | Up to 3% in KCS | No monthly cap |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $0 (€10/year, waived if you spend €500+/year) |
| Card issuance | $First virtual card free (VIP 0–1); physical €9.99 |
| Card spend (USD)Fee on purchases made in US dollars | 0% advertised, but a ~2% exchange spread applies on BTC/ETH (0.3–0.5% stablecoins, 2.5–3.5% altcoins) |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% on domestic EUR; 2% on international non-EUR transactions |
| ATM withdrawals | €2 in Europe; €2 + 2% international |
How to get the KuCoin Card
- 1. Create and fully verify a KuCoin account (mandatory KYC for all users).
- 2. Confirm the KuCard is available in your country (29 countries as of June 2026; not the US).
- 3. Apply in-app for a virtual card (first one free for VIP 0–1) or a physical card (€9.99).
- 4. Move funds into your Funding Account — the card spends only from here, ideally in USDT to minimise spread.
- 5. Set your spending priority (place stablecoins like USDT/USDC ahead of BTC or altcoins to trim conversion costs).
- 6. Add the card to Apple Pay or Google Pay and spend; KCS cashback arrives around the 5th of the next month.
Pros & cons
Pros
- Converts a huge range of altcoins instantly — far beyond BTC/ETH/stablecoins
- Uncapped cashback (0.5%–3%), the only no-monthly-cap structure among comparable exchange cards
- No annual fee if you spend €500+/year; first virtual card free (VIP 0–1)
- 0% FX on domestic EUR transactions; Apple Pay and Google Pay supported
- Backed by a large, long-established exchange (since 2017) with Proof of Reserves
- Real-time management and instant freeze in the KuCoin app
- Spending-priority setting lets you actively minimise conversion costs
Cons
- Custodial — funds sit on KuCoin until you spend (significant custodial risk)
- Cashback paid in volatile KCS token, not a stablecoin
- '0% fees' is misleading — a ~2% exchange spread applies on BTC/ETH (2.5–3.5% on altcoins)
- At entry tier you lose money on non-stablecoin spending after spreads
- Meaningful cashback needs VIP 2+ (~$31,500 in KCS) — impractical for most
- 2% fee on international non-EUR transactions; ATM fees apply
- Not available in the US; no EU EMI license yet (MiCA registration in progress)
- Mandatory KYC; €3 inactivity fee after 90 days
Is It Worth It?
Best for active KuCoin ecosystem traders in supported countries who hold sizeable KCS, spend mainly in stablecoins (to dodge the spread), and want to spend a wide range of altcoins without moving them off-exchange first. The uncapped cashback suits high-volume VIP users. A poor fit for US residents, self-custody advocates, casual users (who'll lose value to spreads at the base tier), or anyone unwilling to stake expensive KCS for a viable rate.
Where you can use it
Supported countries
Available in 30 countries
🇦🇹 Austria
🇧🇪 Belgium
🇧🇬 Bulgaria
🇭🇷 Croatia
Cyprus
🇨🇿 Czech Republic
🇩🇰 Denmark
🇪🇪 Estonia
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇬🇷 Greece
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇪 Ireland
🇮🇹 Italy
🇱🇻 Latvia
Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
Malta
🇳🇱 Netherlands
🇳🇴 Norway
🇵🇱 Poland
🇵🇹 Portugal
🇷🇴 Romania
🇸🇰 Slovakia
🇸🇮 Slovenia
🇪🇸 Spain
🇸🇪 Sweden
No match in the supported list.
Not supported
Not available in 30 countries
🇺🇸 United States
🇬🇧 United Kingdom
🇨🇦 Canada
🇦🇺 Australia
🇳🇿 New Zealand
🇯🇵 Japan
🇨🇳 China
🇮🇳 India
🇸🇬 Singapore
🇭🇰 Hong Kong
🇰🇷 South Korea
🇧🇷 Brazil
🇲🇽 Mexico
🇦🇷 Argentina
🇦🇪 United Arab Emirates
🇸🇦 Saudi Arabia
🇹🇷 Turkey
🇿🇦 South Africa
🇳🇬 Nigeria
🇨🇭 Switzerland
Russia
🇺🇦 Ukraine
🇮🇩 Indonesia
🇲🇾 Malaysia
🇹🇭 Thailand
🇵🇭 Philippines
🇻🇳 Vietnam
🇵🇰 Pakistan
🇪🇬 Egypt
Israel
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the KuCoin Card offer cashback?
Yes — tiered 0.5% to 3% based on how much KCS you stake, with no monthly cap. But it's paid in KCS, a volatile token, and at the 0.5% base tier the ~2% conversion spread means you effectively earn only on stablecoin spending.
Is the KuCoin Card available in my country?
It's available in 29 countries as of June 2026, primarily in Europe. It is not available in the US. Check the KuCoin app for your specific country.
Does the KuCoin Card require KYC?
Yes. KuCoin now requires mandatory KYC for all users, so full identity verification is needed to use the card.
Is the KuCoin Card custodial or self-custodial?
Custodial. The card spends from your KuCoin Funding Account, so funds remain on the exchange until the moment you pay — you don't control the keys. (KuCoin's separate Web3 Wallet is self-custodial, but that's a different product.)
What network does the KuCoin Card run on?
Visa, accepted globally, with Apple Pay and Google Pay support. It converts BTC, ETH, XRP, KCS, USDT, USDC and many other assets at the point of sale.
What does it really cost to spend?
No annual fee (if you spend €500+/year) and 0% domestic EUR FX, but a real exchange spread of ~2% on BTC/ETH (0.3–0.5% on stablecoins, 2.5–3.5% on altcoins) applies, plus 2% on international non-EUR transactions and ATM fees. Spend stablecoins to minimise cost.
