Updated September 28, 2026 · SumCue Editorial Team
COCA Card vs Qonto_AT
COCA Card
Higher score in this comparison
Qonto_AT
COCA Card vs Qonto_AT: the differences
| Compare | COCA CardReviewVisitVisit | Qonto_ATReviewVisitVisit |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Currency conversion fee | 0%Lower | 2% |
| Free ATM withdrawals | $250 | €0 |
| Card network | Visa | Mastercard |
| Cashback rate | 8% | Not confirmed |
| Currencies | Not confirmed | from 30 |
| Custody | Self custody | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- COCA Card scores higher overall: 9.4 vs 8.8.
- COCA Card is available in 44 more countries.
- Monthly fee is lower at COCA Card: €0 vs €9.
- Currency conversion fee is lower at COCA Card: 0% vs 2%.
- Support channels: only COCA Card offers Community.
- Support channels: only Qonto_AT offers Chat, Email, Phone.
- Features: only COCA Card offers Crypto, Self custody.
- Features: only Qonto_AT offers Multi currency.
Our verdict on each
COCA Card
COCA Card suits anyone who wants a no-fee debit card for everyday spending and already holds crypto, since one account pays cashback and keeps the coins in self-custody. The currency conversion fee is 0%, which makes it a natural pick for travellers and multi-currency spenders.
Qonto_AT
Qonto suits business account holders who want a single card for everyday spending and short term credit, with an annual fee of €0 on the card. The account adds a monthly fee of €9 and a currency conversion charge of 2%.
Score breakdown
| Area | COCA Card | Qonto_AT |
|---|---|---|
| Cost | 9.4Higher | 9.1The card has an annual fee of €0, though the account adds €9 a month and currency conversion costs 2%. |
| Offer | 9.4Higher | 9.3 |
| Trust | Not confirmed | 8.3 |
Availability and regulation
| Country | COCA Card | Qonto_AT |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Available in 8 countries for both. Additional countries for COCA Card: 44.
How they place
| Ranking | COCA Card | Qonto_AT |
|---|---|---|
| Credit and debit cards | 168 of 1594 | 11 of 1594 |
| Debit cards | 1 of 826 | 9 of 826 |
Every fact side by side
| Fact | COCA Card | Qonto_AT |
|---|---|---|
| Features | Crypto, Virtual card, Self custody, Travel | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | CCA Labs - FZCO | QONTO |
| Headquarters | United Arab Emirates | France |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre, Community | Chat, Email, Phone, Help centre |
Crypto wallets
| Fact | COCA Card | Qonto_AT |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | $0 to $5 | Not confirmed |
| Backup options | Recovery service | Not confirmed |
Where each stands against the rest
| Fact | COCA Card | Qonto_AT | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €9highest quarter | €0 |
| Currency conversion fee | 0%below the median | 2%above the median | 1% |
| Cashback rate | 8%highest quarter | Not confirmed | 2% |
| Currencies | Not confirmed | from 30highest quarter | 8 |
Median across 336 listed providers.
Pros and cons
COCA Card
Pros
- Foreign spending converts at 0%, where bunq charges 0.5% to 3%
- A monthly fee of €0, with a debit card on visa
- Cashback at 8% on everyday card spend, plus crypto, virtual card and self custody listed on the account
Cons
- Support runs on help centre and community alone, with no phone line for a blocked card
- The free ATM allowance of $250 puts it at 21 of 124 on that measure
- The provider is CCA Labs - FZCO in United Arab Emirates, outside the UK and Europe, so UK and European readers should check who holds the balance
Qonto_AT
Pros
- The card itself has an annual fee of €0.
- Currency conversion costs 2%, and the account covers from 30 currencies.
- Card insurance is included for travel, business purchases and fraud, plus a deferred debit option on Plus and X Cards.
Cons
- The account charges a monthly fee of €9.
- Nothing comes back on everyday spend, since the rewards type is none.
- Cash machine use starts from a free allowance of €0.
Who each suits
COCA Card
Who it suits
- Crypto holders who want one balance to pay for everyday card spending without giving up self-custody
- Travellers and multi-currency spenders, since conversion costs 0%
- Readers comfortable with a mobile wallet, since the account is built around phone-held crypto
Who should look elsewhere
- Anyone set on a credit card: Varo Believe Secured Credit Card is a secured card with a monthly fee of $0, not the debit card here
- Readers who need a phone line for a blocked card, since support runs on help centre and community alone
- Wise users who want a multi-currency account at a monthly fee of £0 and no interest in holding crypto in self custody
Qonto_AT
Who it suits
- Business owners and sole traders who pay suppliers in several currencies.
- Anyone who wants virtual cards and a Mastercard for travel spending.
- Teams that want card insurance included and support across chat, email and phone.
Who should look elsewhere
- Anyone after a personal rather than a business account: Qonto serves a business audience, while Starling Personal Account Debit Card is a personal account card with an annual fee of £0.
- Borrowing customers who want a secured card: Varo Believe Secured Credit Card charges an annual fee of $0, and the Qonto overdraft rate is 17.5%.
Current offers
COCA Card
Qonto_AT
Current offer
Free trial
1-month free trial on Qonto business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans; displayed prices are monthly equivalents billed annually
Source, checked September 26, 2026
Country by country
| Country | COCA Card | Qonto_AT |
|---|---|---|
| Andorra | Yes | No |
| Argentina | Yes | No |
| Australia | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Chile | Yes | No |
| Colombia | Yes | No |
| Croatia | Yes | No |
8 of 52 countries where either is available.
Questions about each
COCA Card
How much does COCA Card cost to hold?+
The account carries a monthly fee of €0, and the card costs $0 to $5 to order. Currency conversion is charged at 0%, so foreign spending adds nothing on top. Together that makes everyday use effectively free, with cashback at 8% as the only reward on offer.
Can I withdraw cash at ATMs?+
Yes, with an allowance of $250 in free withdrawals. On the wider debit card market that puts the card at 21 of 124, so heavy cash use is where other cards pull ahead. The debit card runs on visa, which helps abroad.
Qonto_AT
What does the Qonto card cost to keep?+
The card itself has an annual fee of €0, on a no annual fee card model. The account around it costs a monthly fee of €9. Cash machine use comes with a free allowance of €0, so plan around that if staff withdraw often.
What rate applies if I use the overdraft?+
The overdraft is priced at an APR of 17.5%, which is the number to weigh if you expect to dip below your balance. That is above what most cards on this list charge, at 15.5%, so short dips cost less than carrying a balance for months.