Our verdict
Self-banking + 8% + yield Availability is card availability depends on your residence in one of the 54 supported countries, which include: eea countries: austria, belgium, bulgaria, croatia, cyprus, czech republic, denmark, estonia, finland, france, germany, greece, hungary, iceland, ireland, italy, latvia, lithuania, luxembourg, malta, netherlands, norway, poland, portugal, romania, slovakia, slovenia, spain, sweden. other europe countries: andorra, gibraltar, monaco, montenegro, switzerland, united kingdom. asia-pacific: australia, hong kong, indonesia, malaysia, new zealand, philippines, singapore, taiwan, thailand, vietnam. latin america: argentina, brazil, chile, colombia, ecuador, mexico, peru.. The spreadsheet currently records free for recurring or annual fees and up to 8% / 50% off subscriptions for rewards.
Rewards
Published reward: Up to 8% / 50% Off Subscriptions. Up to 8% / 50% Off Subscriptions
Stablecoin yield
Spreadsheet value: 6% APY (Morpho/Gauntlet).
Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.
Fees
| Annual / recurring | Free |
|---|---|
| FX | 0% FX |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Limits vary by verification level and card configuration; see the COCA app. |
Apple Pay and Google Pay
Yes
Yes
A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.
Custody and payment model
Custodial account. Card type: Debit (self-custody, IBAN). Identity checks: Light.
Availability
Card availability depends on your residence in one of the 54 supported countries, which include: EEA countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden. Other Europe Countries: Andorra, Gibraltar, Monaco, Montenegro, Switzerland, United Kingdom. Asia-Pacific: Australia, Hong Kong, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam. Latin America: Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru.
Regional summary: Select regions.
Pros and cons
Potential strengths
- + Self-banking + 8% + yield
- + Official application route available
- + Product facts maintained in the Cards spreadsheet
Limitations
- − Eligibility varies by region
- − Rewards and rates can be conditional
- − Unknown fields require provider confirmation
Risks and detailed terms
Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.
Official sources
Last verified in the spreadsheet: 2026-07-31