KuCard (KuCoin) Standard (0 KCS)
A plan byKuCard (KuCoin) · Visa
A KuCoin (KuCard) Visa card, available in the EEA (Italy included) but NOT in Australia/APAC (restricted markets). Cashback is in KCS tokens and ranges from 0.5% (0 KCS staked) up to 3% at VIP2+ levels (~3,500 KCS locked). KuCoin advertises 0% FX, but Visa adds a 0.5-0.8% markup on non-euro currencies and the crypto conversion carries a 0.3-6% spread. The platform's hack history weighs on it.
Standard (0 KCS)
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0.5%
- Cashback currency
- KCS
- Cashback cap
- €250
- Required staking
- Nessuno (0 KCS)
- ATM fee
- 2%
- ATM limit
- €350/giorno (EEA)
- Net annual cost
- Free
What's included
- 0.5% cashback in KCS
- 0% KuCoin FX (Visa 0.5-0.8% on non-euro)
The clause
That 3% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | €350/giorno (EEA) |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 0.5% in KCS · 0,5% con 0 KCS; 3% con ~3.500 KCS |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | EEA · 29+ countries |
| Estimated net annual cost | €0/year |
| Regulator | AUSTRAC; EU member state regulator |
| OAM Italy registration | No |
| Segment | B2C |
| Past incidents | September 2020: a ~$285M breach; KuCoin recovered most funds (insurance + recovery). · January 2025: a ~$297M US DOJ settlement, a 2-year exit from the US market and the founders' resignation. |
| MiCA / License status | AUSTRAC registration; MiCA license (Europe); VASP AUSTRAC (AU) |
Strengths
- Available in the EEA/Italy; up to 3% KCS cashback (with staking); Visa.
- No notable sovereignty advantage documented.
Weaknesses
- Custodial, full KYC; 0.5% cashback without staking (3% needs ~3,500 KCS); 0.3-6% conversion spread; hack history.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (AUSTRAC (AU)): reporting to authorities and freezes on order.
Verdict
The B tier captures a mixed offer: the card is available in the EEA/Italy (Visa) and KCS cashback reaches 3%, but only by locking ~3,500 KCS (without staking it is just 0.5%). The advertised 0% FX hides a 0.5-0.8% Visa markup on non-euro and a 0.3-6% crypto conversion spread; the platform's hack history and the lack of OAM registration also weigh in.
Through this lens KuCard is unconvincing: custodial, full KYC, no on-chain settlement and low privacy. The KCS cashback ties the user to the ecosystem token, and the hack history is a reminder of the risk of trusting funds to an exchange rather than self-custodying them: nothing here approaches trustless logic or self-custody.
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.
FAQ
Is KuCard (KuCoin) a safe card?
KuCard (KuCoin) is a custodial card on the Visa 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 KuCard (KuCoin) cost?
No annual or issuance fee. KuCoin advertises 0% FX, but Visa adds 0.5-0.8% on non-euro spending and the crypto conversion carries a 0.3-6% spread.
Does KuCard (KuCoin) offer cashback?
Yes, in KCS tokens: 0.5% with no KCS staked, up to 3% at VIP2+ levels (~3,500 KCS locked).
Is KuCard (KuCoin) available in Italy?
Yes, KuCard (KuCoin) is available in Italy.
Is KuCard (KuCoin) custodial or self-custody?
KuCard (KuCoin) 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 · Tier.Base.cashback cap eur Data verified on Jun 14, 2026
- spendnode.io Cashback cap · Cashback valuta Data verified on Jul 10, 2026
- bitcoininsider.org Supported currencies · Plans & pricing Data verified on Jun 14, 2026
- caproasia.com Founders · Issuer Data verified on Jun 14, 2026
Show 5 more sources
- coinbureau.com Third-party audit · Bug bounty Data verified on Jun 14, 2026
- cointelegraph.com Past incidents Data verified on Jun 14, 2026
- linqto.com Valutazione · Round Data verified on Jun 14, 2026
- pitchbook.com Funding · Valuation · Investors Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026