Kikoff
Kikoff · Visa (Premium/Ultimate)
A credit-building tool with an average 86-point increase, a Basic plan from $5/month, a 0% APR secured line and rent reporting. The Basic plan, however, can only be used within the Kikoff Store and the BBB rating stands at B-.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa (Premium/Ultimate) |
|---|---|
| Card type | Credit card |
| APR | 0% |
| Issuance fee | Free |
| Annual fee | €60/year |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | Not disclosed |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €60/year |
| Regulator | FDIC |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Partner bank charter |
Plans & pricing
Kikoff Basic
- Price
- €5
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- Not disclosed
- Net annual cost
- €60
- 0% APR
- No deposito
- No credit check
- Tradeline $750
- Reports a 3 bureau
Kikoff Premium
- Price
- €15
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- Not disclosed
- Net annual cost
- €180
- Tradeline $2500
- Reports a 3 bureau
- Premium features
Strengths
- +86 points medi; Basic from $5/month; 0% APR secured; rent reporting.
- No notable sovereignty advantage documented.
Weaknesses
- Piano Basic only in the Kikoff Store; BBB B-.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Solid in tier B thanks to an average 86-point increase, $5/month entry, a 0% APR secured line and rent reporting, an effective and low-debt-risk mix. Holding the score back are the Basic plan's restriction to the Kikoff Store, which limits real-world use, and a modest BBB rating (B-) that warrants some caution.
On this lens it counts for little: a custodial, full-KYC product, FDIC-regulated and US-only, with no self-custody or on-chain component. The walled-garden spend inside the Kikoff Store is the opposite of permissionless logic: nothing here lifts the verdict.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Kikoff, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
App Store ↗
4.9/5
257,254 reviews
Exact value from Apple's public API. Trustpilot is not included: the page blocks automated reading.
-
Google Play ↗
4.8/5
114,640 reviews
Exact average stated on the listing.
Weighted average across 2 public review platforms (371,894 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
Community signal
not verified by usPublic opinions collected from third parties, not verified by us. Online reviews can be manipulated: read them as a hint, not as data. The promp.it verdict remains the one above, based solely on official documents.
What users praise
- Credit score increase within weeks or months
- Low monthly cost, perceived as affordable
- Simple onboarding
What users criticise
- Charges after cancellation and negative credit bureau reporting
- Refused refunds and an unclear non-refundable policy
- Slow or unhelpful support
- No score impact for some users
The service’s own official accounts are excluded from the count. Read 10 customer reviews and 2 complaints on the Better Business Bureau profile, between May and July 2026. Context: BBB rating A+, customer review average 4.31 across 935, but 1,301 formal complaints in the last three years. BBB is treated here as a community channel, not a review platform. Reddit and X were not accessible; short window, possible bias.
Voices from the community
-
Credit score went from 400 to 580 in three months.
-
I cancelled my $5 account in November 2025 and then found out they reported a non-payment to the credit bureau, costing 30 points.
-
The non-refundable policy was not clearly disclosed: I was charged for three months.
Every quote links to its original source: check for yourself, don’t trust the summary.
FAQ
Is Kikoff a safe card?
Kikoff is a custodial card on the Visa (Premium/Ultimate) network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Kikoff cost?
The fee starts at $5/month (Basic plan); the Premium plan is $15/month. Issuance is free and the FX markup is 0%. See the tier table for full conditions.
Does Kikoff offer cashback?
Kikoff does not offer crypto cashback.
Is Kikoff available in Italy?
No, Kikoff is not currently available in Italy.
Is Kikoff custodial or self-custody?
Kikoff uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- nerdwallet.com Supported currencies · Bug bounty · Third-party audit Data verified on Jul 11, 2026
- altss.com Founders Data verified on Jun 14, 2026
- fintechfutures.com Variante credit builder.issuer bank · Variante credit builder.collaterale crypto · Variante credit builder.credit limit eur min · Variante credit builder.credit limit eur max · +2 Data verified on Jun 14, 2026
Show 4 more sources
- nasdaqprivatemarket.com Founded · Company type · Stock ticker · Stock listing · +1 Data verified on Jun 14, 2026
- pitchbook.com Founded · Company type · Investors Data verified on Jun 14, 2026
- careers.kikoff.com Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026