Updated September 28, 2026 · SumCue Editorial Team
COCA Card vs Qonto
COCA Card
Higher score in this comparison
Qonto
Where COCA Card and Qonto differ
| Compare | COCA CardReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| 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 8.6.
- 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 offers Chat, Phone, Email.
- Features: only COCA Card offers Crypto, Self custody.
- Features: only Qonto 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
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | COCA Card | Qonto |
|---|---|---|
| Cost | 9.4Higher | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.4 | 9.4 |
| Trust | Not confirmed | 8.4 |
What it costs in practice
A year with 1,000 spent abroad
COCA Card
€0
12 × €0 + 0% of 1,000
Qonto
€128
12 × €9 + 2% of 1,000
COCA Card costs €128 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | COCA Card | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Available in 8 countries for both. Additional countries for COCA Card: 44.
Where these facts come from
COCA Card
- docs.coca.xyz: 8 facts, checked September 26, 2026
- coca.xyz: 3 facts, checked September 26, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | COCA Card | Qonto |
|---|---|---|
| Credit and debit cards | 168 of 1594 | 12 of 1594 |
| Debit cards | 1 of 826 | 10 of 826 |
Every fact side by side
| Fact | COCA Card | Qonto |
|---|---|---|
| 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, Phone, Email, Help centre |
Crypto wallets
| Fact | COCA Card | Qonto |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | $0 to $5 | Not confirmed |
| Backup options | Recovery service | Not confirmed |
Credit cards
| Fact | COCA Card | Qonto |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 17.5% |
| Rewards type | Not confirmed | None |
| Pricing model | Not confirmed | No annual fee |
| Perks | Not confirmed | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Card kind | Not confirmed | Credit |
Savings
| Fact | COCA Card | Qonto |
|---|---|---|
| Headline rate | Not confirmed | 1.5% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Account kind | Not confirmed | Cash management |
Where each stands against the rest
| Fact | COCA Card | Qonto | 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
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
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
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.
Current offers
COCA Card
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | COCA Card | Qonto |
|---|---|---|
| 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
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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