G2MGWEI 2 MERCHANT
Find your best card
Back
[ head to head ]

Kolo Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 46/100 (#15 and #25 of 26 cards). Pick Kolo Card for a lower FX fee; pick Tangem Pay for more countries.

Kolo Card46

#25 of 26 · 1% to 2% back · annual fee none

Get KoloRead the review
Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 46/100 (#15 and #25 of 26 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.
  • Tangem Pay is confirmed in more countries: 50 against 3, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom, and only Tangem Pay is confirmed in United States.
  • Both are self-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

Detail
Kolo Card
Tangem Pay
G2M score
46
62 (better)
Base cashback
1%
1%
Max cashback
2%
4% (better)
Paid in
BTC, daily
USDC
Annual fee
Free
Free
FX fee
1.4% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
1%
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.
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Debit
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
Unclear
Unclear
UAE
Yes
Yes
United States
Unclear
Yes
United Kingdom
Yes
Unclear
EU / EEA
Unclear
Unclear
Countries
60
Select regions worldwide
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
1 currency
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
No
Tiers
Kolo Card
Basic · Plus · Prestige
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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 Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 46/100 (#15 and #25 of 26 cards). Pick Kolo Card for a lower FX fee; pick Tangem Pay for more countries. 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 Tangem Pay?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.

Which pays more cashback, Kolo Card or Tangem Pay?

Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card and 4% on Tangem Pay.

Which works in more countries, Kolo Card or Tangem Pay?

Tangem Pay is confirmed in more countries: 50 against 3, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom, and only Tangem Pay is confirmed in United States.

Who holds my funds with Kolo Card and Tangem Pay?

Both are self-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.

Kolo Card vs Tangem Pay: fees, cashback and countries compared · G2M