KuCard Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual card free; physical card 9.99 EUR in the EEA. Australia: first virtual card free, further virtual cards 9.99 USDC each |
|---|---|
| Annual fee | Free in AustraliaThe fine print
|
| FX fee | 2% on non-euro spend in the EEA, euro spend free; Australia 1% FX plus a 0.5% transaction fee on every purchase |
| ATM limit | EEA: 2 EUR per withdrawal in Europe and 2% of the amount outside Europe; daily limit not published. Australia: cash withdrawal coming soon |
| Spending limit | EEA not published; Australia 20,000 USDC a day and 200,000 USDC a year across all of a holder's cards |
Fees change; the current ones are in KuCard’s terms.
Features
- Welcome bonus: 1% bonus + points
- Cashback: Up to 3% (EEA tiers)
The fine print
- EEA: earned at 1% on every tier and redeemed at 1% on VIP 0, rising to 3% at VIP 11-12, with monthly caps
- Plus a KCS Staking Bonus of 0.5% to 5.5% capped at 10 to 40 EUR a month, up to 8.5% in total
- Paid in EUR, BTC, ETH or KCS
- ATM cash withdrawals and euro transactions do not qualify
- Australia: up to 8% in rewards points since 16 July 2026, redeemable for crypto including USDC and USDT
- Points expire after 90 days
- Network: Visa Debit in the EEA; Mastercard Debit in Australia
- KYC: Yes
- Card type: Virtual + Physical in the EEA; virtual only in Australia
- Top up with: No manual top-up: the card spends from the KuCoin Funding Account in 54 cryptocurrencies or EUR (EEA)
Full list
The Australian card settles in USDC and supports 37 other cryptocurrencies
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
- … Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Australia
- Malta excluded
Who issues the KuCard
The KuCard has a different issuer depending on where you sign up. Each one is listed below with its own source.
The KuCard is issued by Wallester AS, Estonia / EEA (Visa Principal Member). The issuer is named in the source linked below. This covers the EEA card.
Primary source · All cards issued by Wallester AS · Why the issuer matters
KuCard does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Immersve, New Zealand (FSP, Mastercard Principal), inferred from the program manager and not stated by the issuer itself. This covers the Australian card; Wallester issues the EEA one.
Supported cryptocurrencies
You can load the KuCard with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Cashback from 1% to 3% by VIP tier, more with the KCS staking bonus
The fine print
- Spends 54 cryptocurrencies straight from the KuCoin account
- Free virtual card
- No fee on euro purchases in the EEA
- Apple Pay and Google Pay
- No card issuance fee
Cons
- No cashback on euro purchases, which is most everyday spending in the eurozone
The fine print
- 2% on non-euro spend
- Physical card 9.99 EUR
- 10 EUR annual fee per card in the EEA
- 3 EUR monthly inactivity fee after 90 days without a transaction (2 USDC in Australia)
- Not available in Malta
- Spends from the KuCoin exchange account
- FX fee: 2% on foreign-currency spend
- No IBAN or bank-account features
Regional availability
Available in Europe + Australia
The KuCard is available in Europe + Australia: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy and 14 more.
Banking and fiat rails
Card overview
Two cards, two different networks. The EEA KuCard is KuCoin's consumer Visa, issued by Wallester AS and sold in the EEA except Malta. A separate KuCard runs in Australia: a virtual-only Mastercard debit card issued through Immersve that settles in USDC. In the EEA, funding supports 54 cryptos (USDT, USDC, KCS, BTC, ETH, XRP, others), with EUR as the only fiat balance.
The virtual card is free and the physical card costs €9.99. In the EEA each card costs 10 EUR a year, and an idle card costs a further 3 EUR a month after 90 days without a transaction; in Australia there is no annual fee, and an idle card costs 2 USDC a month after 90 days. Euro purchases carry no fee; other currencies pay a flat 2%. ATM withdrawals cost €2 in Europe and 2% of the amount outside it, and KuCoin publishes no daily ATM limit; in Australia cash withdrawal is listed as coming soon.
EEA cashback runs from 1% at the entry VIP level up to 3% by VIP tier, plus a KCS Staking Bonus of 0.5% to 5.5% capped at 10 to 40 EUR a month, paid in EUR, BTC, ETH or KCS, and euro purchases and ATM cash withdrawals earn nothing. In the eurozone that leaves cashback mostly for spending abroad, where the 2% fee cancels it. The Australian card charges 1% FX plus 0.5% on every purchase and pays up to 8% in rewards points since 16 July 2026; the points expire after 90 days. Custody is standard exchange-account: tokens sit on KuCoin until point of purchase.
No IBAN. Picked for EEA-resident KuCoin users who want a simple EUR spend rail. Wrong card outside the EEA (the Australian variant is a separate product) or if you wanted predictable rewards.
Common questions about the KuCard
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
