COCA Card
COCA (UAB Wirex, Lietuva EMI) · VISA debit
Issuer is MiCA-licensedEMI LT★ 4.0 / 5
COCA Card is a non-custodial (self-custody) Visa card: funds stay in the user's wallet and each transaction is authorized. Issued by UAB Wirex (Lithuania EMI). 0% FX, EUR IBAN + SEPA, up to 8% cashback (COCA staking), ~5-6% APY on stablecoins. Available in LV/LT/EE + FI/SE/NO/DK.
Visit COCA (UAB Wirex, Lietuva EMI) ↗
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Cashback
8.0%
stablecoin
Monthly fee
Free
FX markup
0.00%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 0.00% |
| Free ATM per month | €200 |
| ATM fee thereafter | 2.00% |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 15+ crypto balances
Supported fiat currencies: EUR
Pros
- ✓Non-custodial — you control the funds
- ✓0% FX; EEA issuer in Lithuania (UAB Wirex), EUR IBAN
- ✓~5-6% APY on stablecoins; Apple/Google Pay
- ✓Available across all Baltics and Nordics
Cons
- ✗8% cashback requires a large, volatile $COCA stake
- ✗Cashback capped monthly (1% above the cap)
- ✗Yield on stablecoins (DeFi/de-peg risk), not EUR
- ✗MiCA-specific licence not clearly confirmed