Updated September 28, 2026 · DebitCue Editorial Team
COCA Card vs Qonto
COCA Card
Higher score in this comparison
Qonto
COCA Card vs Qonto: the differences
| 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 8.7.
- 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 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
Qonto suits a registered business that wants card insurance, deferred debit and multi-currency handling inside a single account rather than bought separately. The trade-off is price, with a monthly fee of €9 on the account and a conversion fee of 2% on the card, which is where Wise at £0 a month pulls ahead.
Score breakdown
| Area | COCA Card | Qonto |
|---|---|---|
| Cost | 9.4HigherFirst on both cost measures: 1 of 419 on monthly fee and 1 of 259 on conversion. | 8.4Cost: a monthly fee of €9 against £0 at Wise, plus 2% on foreign spend and €0 in free withdrawals. |
| Offer | 9.4A debit card on visa with self custody control and a virtual card for online spending. | 9.4 |
| Trust | Not confirmed | 8.5 |
Where they rank in our lists
| Ranking | COCA Card | Qonto |
|---|---|---|
| Debit cards | 3 of 1336 | 10 of 1336 |
| Travel cards | 1 of 443 | 8 of 443 |
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.
Sources behind this comparison
COCA Card
- docs.coca.xyz: 8 facts, checked September 26, 2026
- coca.xyz: 1 fact, checked September 26, 2026
Qonto
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
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 | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre, Community | Chat, Phone, Email, Help centre |
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 |
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 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
Pros
- Card insurance for travel, business purchases and fraud comes with the card.
- Multi-currency, virtual cards and travel use all sit inside the offer, so foreign buying needs no separate product (multi currency, virtual card and travel).
Cons
- The account charges a monthly fee of €9, while Wise charges £0 for the same job of holding money.
- Card conversion costs 2%, and the ranking on that measure is 160 of 259.
- Free ATM withdrawals come to €0, so cash at home or abroad is a charge rather than an included allowance.
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
Who it suits
- A company paying suppliers in several currencies and issuing staff cards without an annual charge of €0.
- Readers who want chat, phone, email and help centre support with round the clock cover in France (chat, phone and email).
Who should look elsewhere
- Wise, for a reader who wants no monthly account charge, since Qonto costs €9 against £0.
- Varo Believe Secured Credit Card, for someone after a secured credit card at a monthly fee of $0 rather than a company current account.
- Chime Card (Secured Visa Credit Card), for a reader who wants a secured credit card billed at $0 a month.
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
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
What does a Qonto business account cost each month?+
The account is billed a monthly fee of €9 for being open, and the card itself adds an annual fee of €0, so nothing is due on the card beyond that. The monthly line is the one most comparisons turn on, and it is the figure to weigh against an account that charges nothing but offers less.
What does it cost to spend in another currency?+
A purchase in a currency other than the account's own carries a conversion fee of 2%, added to the local amount and charged on each transaction. Spending in the home currency avoids it, so the fee is easy to trigger by accident on a foreign trip and easy to avoid otherwise. Paying in the local currency is the habit that controls it.