KuCoin KuCard
by KuCoin
- Monthly fee
- Free
- Card fee
- $10.80
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
The KuCard is a competitive Visa debit card for European users, with just-in-time conversion and no decline fees. It connects to the KuCoin exchange, so over 50 cryptocurrencies can be spent at millions of merchants.
What we like
- +No fee on declined transactions
- +Apple Pay and Google Pay supported
- +Daily spending limit up to €10,000
- +No monthly maintenance fee for active users
- +Instant crypto-to-fiat conversion at checkout
Watch out for
- −Only for EEA residents
- −Full Level 4 KYC required
- −2% FX fee on non-EUR payments
- −Annual maintenance fee if spending is under €500
5.8/10
Editor score
Fair
4.0/10
User rating
Based on 39 sources
Lv 4
KYC Level
Full KYC
Global
Availability
3 countries excluded
Card Overview
Rewards
- Cashback
- 3%
- Cashback Crypto
- KCS
- Staking Rewards
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $10.80
- ATM Fee
- 2%
- FX Fee
- 2%
- Top-up Fee
- Free
- Decline Fee
- Free
Limits
- Daily Spend
- $10,800
- Monthly Spend
- $32,400
- ATM Withdrawal
- $378
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
4.0/10
Sourced from
Users like the convenience of spending directly from the KuCoin Funding Account, with just-in-time conversion across 50+ assets and working Apple Pay and Google Pay. The exchange app also gets good marks for its altcoin selection and trading tools. Economics are where opinion turns negative. Testing found a crypto-to-fiat spread near 0.9% on the EEA card, and about 3.5% in one BTC test, which wipes out the 1% cashback, and pre-converting to EUR avoids the spread but forfeits cashback. Other charges include a EUR 9.99 issuance fee, EUR 3 a month after 90 days of inactivity, EUR 2 ATM fees and 2% non-EUR FX. Continuity is a bigger concern: Wallester ended its arrangement with partner Eurlita on 31 December 2025 at one to two days' notice, and Austria's FMA barred KuCoin EU from new business in February 2026, leaving European holders calling their cards useless. Support is criticized for refunds unpaid for months and shifting dispute criteria. The Australian Mastercard version, issued by Immersve, is a separate and cleaner product with no annual or issuance fee.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Bitcoin, Polygon, Solana, Tron
Frequently asked questions
Does the KuCoin KuCard require KYC?
Yes. KuCoin asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the KuCoin KuCard charge?
The card has a monthly fee of free, an issuance fee of $10.80, a top-up fee of free, an FX fee of 2%. See the fee table above for ATM and decline fees.
Does the KuCoin KuCard work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the KuCoin KuCard?
It is available in most countries, except Australia, Malta, United States.
Which cryptocurrencies does the KuCoin KuCard support?
USDT, USDC, BTC, ETH, XRP, KCS, ADA, SOL, SUI, TRX.
Last updated August 19, 2026, verified August 6, 2026.