[ head to head ]

Kolo Card vs Laso Finance Card

Kolo Card scores higher on the G2M score: 46/100 against 26/100 (#28 and #33 of 33 cards). Kolo Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Kolo Card46

#28 of 33 · 1% to 2% back · annual fee none

Get Kolo Read the review

Laso Finance Card26

#33 of 33 · 0% back · annual fee none

Get Laso Finance Read the review

The short answer

Kolo Card scores higher on the G2M score: 46/100 against 26/100 (#28 and #33 of 33 cards).
Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 2% on Kolo Card.
Neither card has an annual fee.
Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.
Kolo Card is confirmed in more countries: 3 against 1, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE, and only Laso Finance Card is confirmed in United States.
Kolo Card is self-custodial; Laso Finance Card is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Kolo Card

Laso Finance Card

G2M score

Base cashback

Max cashback

Not published

Paid in

BTC, daily

Not published

Annual fee

Free

FX fee

1.4%

Top-up fee

3.8%

Per-purchase fee

None listed

ATM

USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.

Not published

Network

Visa

Card type

Debit

Prepaid

Custody

Self-custodial

Custodial

No ID check

ID needed or not stated

Yes: US and international cards

Formats

virtual

Apple / Google Pay

Yes / Yes

? / Yes

India

Unclear

UAE

Yes

Unclear

United States

Unclear

Yes

United Kingdom

Yes

Unclear

EU / EEA

Unclear

Countries

US card for US merchants; international card for merchants worldwide, no published country list

Bank account (IBAN or account number)

Not confirmed

Send money to a bank account

1 currency

Not confirmed

Buy and sell crypto with fiat

Sell only

Spend against crypto without selling

Yield on your balance

Not confirmed

Tiers

Kolo Card

International card · US card · Reloadable card

Perks

Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days

No ID check for the US and international cards · Cards issued in seconds · Gift cards for 3,000+ brands; Venmo, PayPal and debit card payouts · AI agents can order cards through its API · Works with merchants worldwide

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Kolo Card or Laso Finance Card?

Kolo Card scores higher on the G2M score: 46/100 against 26/100 (#28 and #33 of 33 cards). Kolo Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Kolo Card or Laso Finance Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.

Which pays more cashback, Kolo Card or Laso Finance Card?

Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 2% on Kolo Card.

Which works in more countries, Kolo Card or Laso Finance Card?

Kolo Card is confirmed in more countries: 3 against 1, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE, and only Laso Finance Card is confirmed in United States.

Who holds my funds with Kolo Card and Laso Finance Card?

Kolo Card is self-custodial; Laso Finance Card is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.