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MCO Cards Review — A Full Guide To All Visa Cards is a Hong Kong-based blockchain firm formerly known as Monaco. The company offers various financial services, such as a multi-cryptocurrency wallet, crypto investment tools, a crypto payment gateway for businesses and, of course, a prepaid crypto debit card.

The prepaid MCO Visa Card lets you spend digital and fiat currencies stored within the App. “Our company goal is to eliminate the middleman with the power of blockchain,” said Kris Marszalek — co-founder and CEO of

But... is the MCO Visa Card a step towards that goal? Find out in this ultimate review.


How to order a MCO Card?

If you are planning to get a MCO Card, the first step is to download the App. Once you’ve completed the identity verification process, you can go to the “Card” section and see the different cards available.

Unlike other crypto debit cards in the market, such as the Crypterium Card, the prepaid MCO Card doesn’t allow you to buy it. Instead, the company requires you to lock from 50 to 50.000 MCO tokens for 180 days, depending on the card.


MCO Midnight Blue Card

This MCO Card is the entry point for users. That means you don’t need to stake MCO tokens to get one. The Midnight Blue Card offers a 1% cashback for MCO and non-MCO token holders. The card is equipped with NFC technology.

You can withdraw up to $200 or exchange $2000 using Interbank rates without additional fees. If you exceed those limits, you’ll pay 2% ATM withdrawal fees and 0.5% Interbank fees. Keep in mind that there is a daily ATM withdrawal limit of $500, which is pretty low compared to other solutions like Crypterium ($10,000/day). For POS purchases, a $10,000/day limit applies.


MCO Ruby Steel Card

To date, the value of the MCO token is about $5 per unit. To access the MCO Debit Card you would have to lock 50 MCO tokens for six months. This Bitcoin prepaid card offers you a 2% cashback on your purchases. Additionally, you get a free Spotify subscription. This card offers a referral commission of 10% and a bonus up to $100.

With this crypto card, you are able to withdraw up to $400 or exchange $4000 at no extra fees. The daily ATM withdrawal limit also doubles to $1000 and the yearly limit moves from $50,000 to $75,000. The POS Purchase Limit for the Ruby Steel Card is $15,000/day.


MCO Jade Green/Royal Indigo Card

Upgrades aren’t cheap when it comes to the MCO Visa card. To access their mid-level payment card, you would have to lock $2500 worth of MCO tokens for six months. That seems like an exaggerated price for a LoungeKey ™ Airport Lounge Access and a free subscription to Netflix. Okay. You also get a 3% cashback on your purchases.

As for limits, this card lets you get up to $800 from ATMs without paying commissions or exchange $10,000. With the MCO Jade Green or Royal Indigo card you can keep a maximum balance of $25,000 and there is a POS daily spending limit of $25,000 a month.


MCO Icy White Card

For MCO cards, white is the new gold. This is a perfect choice for those who have $25,000 and have no clue what to do with them. Yes. To obtain this card you have to lock $25K in MCO tokens for half a year. Benefits? You get a plus one for your LoungeKey ™ Airport Lounge Access and a 10 percent off your Expedia bookings.

The MCO Icy White Card also offers a 4% cashback. For a card of this level, it is surprising that you can only cash out $1,000 a day without an extra percentage.


MCO Obsidian Black Card

Okay. This one is clearly not for the average customer. You would need to lock about $250,000 for six months to access one. As you could imagine, it is black. Original, right? Despite its huge price tag, the benefits aren’t impressive. Apart from getting everything available in the Icy White  Card, you get a 10% discount on Airbnb and a 5% cashback on purchases. That’s mainly it. The ATM limits remains intact and the exchange daily volume becomes unlimited, finally.


Which countries are supported by the MCO Card?

While the Wallet is available in 70+ countries, only citizens from Singapore have access to this Bitcoin card solution. However, the company plans to release this cryptocurrency payment solution in other markets, like the US, Europe, Australia and Canada.


Which currencies are connected to the MCO Card?

You can top up all MCO cards with the following cryptocurrencies:

  • Bitcoin (BTC)

  • Ethereum (ETH)

  • Litecoin (LTC)

  • Ripple (XRP)

  • Monaco (MCO)

  • BAT

  • BNB

  • TUSD

  • ENJ


And you choose the following base currencies for your MCO card:

  • Singapore Dollar (SGD)

  • Euro (EUR)

  • Australian Dollar (AUD)

  • Hong Kong Dollar (HKD)

  • Japanese Yen (JPY)

  • Great Britain Pound (GBP)


Where can you use the MCO Card?

You can use your MCO Visa Card to pay in over 40 million Points of Sale worldwide (look for the VISA logo) and countless online retail shops. Bear in mind, however, that some merchants may require a credit card transaction to use their services, among them chiefly some hotels and car rentals. You may also be required to use a credit card to apply for some subscription-based services (mainly online or mobile). For compliance reasons, we have restricted the use of our cards for gambling services and cash advances.

You can withdraw cash from almost any ATM worldwide that bears the VISA or VISA Plus logo (local restrictions may apply - for Singapore users, ATMs in the atm5 network work).


Is the MCO Card Card safe?

MCO cards are protected by a series of standard security measures, such as block/unblock from the App, turn on/off contactless payments and ATM usage, pop-up transaction notifications, and 24/7 customer support.


Is the MCO right for you?

While the cards offer interesting benefits, such as cashbacks and free subscriptions for mainstream services such as Netflix, geographical limitations make them available to only a few people. Another factor weighing on these crypto cards is pricing. Some of the alternatives are simply too expensive, even for a ‘metal’ card.

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