Tangem Pay vs Kolo Card
The short answer
Winner: Tangem Pay — 7.4/10 versus 7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Tangem Pay
KYC
Kolo Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
2%
ATM fee
Free
Free
FX fee
1%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$50k
$50k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
0.32%
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
15
41
Coins
USDC
BTC, ETH, SOL, USDC, USDT
Tangem Pay vs Kolo Card FAQ
On our composite score Tangem Pay edges ahead (7.4/10 vs 7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.