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Kolo Card vs Tuyo Card

Tuyo Card scores higher on the G2M score: 61/100 against 46/100 (#17 and #25 of 26 cards). Pick Kolo Card for cashback and a lower FX fee; pick Tuyo Card for more countries.

Kolo Card46

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

Get KoloRead the review
Tuyo Card61

#17 of 26 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • Tuyo Card scores higher on the G2M score: 61/100 against 46/100 (#17 and #25 of 26 cards).
  • Kolo Card pays 1% cashback on its entry tier; Tuyo Card does not publish a rate. 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%.
  • Tuyo Card is confirmed in more countries: 216 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 Tuyo Card is confirmed in United States and EU / EEA.
  • 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
Tuyo Card
G2M score
46
61 (better)
Base cashback
1%
Not published
Max cashback
2%
Not published
Paid in
BTC, daily
Not published
Annual fee
Free
Free
FX fee
1.4% (better)
2%
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.
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Debit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Unclear
Yes
United Kingdom
Yes
No
EU / EEA
Unclear
Yes
Countries
60
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Kolo Card
Tuyo Card
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000

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 Tuyo Card?

Tuyo Card scores higher on the G2M score: 61/100 against 46/100 (#17 and #25 of 26 cards). Pick Kolo Card for cashback and a lower FX fee; pick Tuyo Card 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 Tuyo 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 Tuyo Card?

Kolo Card pays 1% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.

Which works in more countries, Kolo Card or Tuyo Card?

Tuyo Card is confirmed in more countries: 216 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 Tuyo Card is confirmed in United States and EU / EEA.

Who holds my funds with Kolo Card and Tuyo Card?

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.