Updated September 28, 2026 · DebitCue Editorial Team
COCA Card vs Qonto_AT
COCA Card
Higher score in this comparison
Qonto_AT
What sets them apart
| 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 people who want a fee free debit card for spending abroad while holding digital assets themselves. The monthly fee is €0, the currency conversion fee is 0%, and it ranks first on monthly fee among 419 brands compared.
Qonto_AT
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Score breakdown
| Area | COCA Card | Qonto_AT |
|---|---|---|
| Cost | 9.4HigherFirst on both cost measures: 1 of 419 on monthly fee and 1 of 259 on conversion. | 9.1 |
| Offer | 9.4A debit card on visa with self custody control and a virtual card for online spending. | 9.4 |
| Trust | Not confirmed | 8.2 |
Cost in a real example
A year with 1,000 spent abroad
COCA Card
€0
12 × €0 + 0% of 1,000
Qonto_AT
€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 these facts come from
COCA Card
- docs.coca.xyz: 8 facts, checked September 26, 2026
- coca.xyz: 1 fact, checked September 26, 2026
Qonto_AT
- 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_AT |
|---|---|---|
| Debit cards | 3 of 1336 | 9 of 1336 |
| Travel cards | 1 of 443 | 7 of 443 |
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 | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre, Community | Chat, Email, Phone, Help centre |
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 387 listed cards.
Pros and cons
COCA Card
Pros
- The monthly fee is €0 and the currency conversion fee is 0%, so spending abroad adds no extra cost.
- Cashback of 8% is paid on a debit card, so the reward does not depend on borrowing.
- Free ATM withdrawals of $250 cover cash needs away from home without a fee.
Cons
- Support runs on help centre and community only, so there is no direct phone line for urgent account problems.
- The account is self custody, a minority set-up in this group, so readers used to ordinary bank accounts should read the terms closely.
- The card is built around crypto, virtual card and self custody features, which narrows it to people already using digital assets.
Qonto_AT
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
Who each suits
COCA Card
Who it suits
- People who want a fee free visa card for a trip and need $250 in free cash withdrawals.
- Spenders who want cashback of 8% paid on a debit card without borrowing.
- Anyone comfortable with self custody who wants the balance held in their own hands.
Who should look elsewhere
- Anyone who wants a credit card for borrowing rather than a debit card: Varo Believe Secured Credit Card and Chime Card are credit products, and the monthly fee here is €0.
- Readers who want phone support: this card runs on help centre and community, and its monthly fee of €0 matches £0 at Wise, so support is the deciding factor.
- Anyone who prefers the custodial model most cards on the site use, at 75.6%, since this account is self custody.
Qonto_AT
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
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
What does COCA Card cost to hold and to use?+
The monthly fee is €0 and the currency conversion fee is 0%, so there is no charge for keeping the account or for converting currency on a trip. Cashback of 8% is the reward on offer, and the card draws directly on the balance you hold.
How many free ATM withdrawals are included?+
The free ATM withdrawal allowance is $250, which covers cash withdrawals abroad without a fee. In the site rankings the card sits at 20 out of 115 brands on this measure, so the cash allowance sits below the middle of the group.
Qonto_AT
What does a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.
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