KuCoin
No referral link here — we do not monetize a service we have not verified.
- This is an MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved, not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Pros & Cons
Pros
- Crypto exchange card (KuCoin EU Exchange GmbH, MiCA CASP)
Cons
- Not a bank — no €100k deposit guarantee (funds safeguarded)
- No fully remote opening
Rating breakdown
Why this score
Good fit for
- you want cashback on card spend
May not fit if
- you need to hold USD
- you need crypto in or out
- you want a card at no cost (this one is Virtual: first card not priced on schedule (additional vi…)
- you need a complete picture — 3 facts we treat as critical are still not disclosed
- you need a fully rated profile — this one is rated on 5 of 6 dimensions
This is an electronic money institution (EMI), not a bank. Funds are safeguarded, but NOT covered by the €100,000 deposit guarantee. Convenient, but legally it isn't a bank deposit.
- Licence
- MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved · null
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-10-20
KuCoin runs on an MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved licence: convenient, but your money is safeguarded rather than covered by the €100k deposit guarantee.
It is a crypto fintech licensed in null supporting the local currency. FX model: Visa rate + 2% fee on non-EUR card transactions; EUR card settlement.
It tends to suit crypto-cashback.
Fees & terms
- Exchange rate
- Visa rate + 2% fee on non-EUR card transactions; EUR card settlement
- Card cost
- Virtual: first card not priced on schedule (additional virtual card 9.90 EUR); physical 9.90 EUR first / 19.90 EUR next; express delivery 30 EUR
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- Not disclosed
- Cashback
- Up to 8.5% cashback (headline on KuCard page; per-tier conditions not shown on public page)
- Licence
- MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved — null
- SEPA Instant
- No
- Verification of Payee (VoP)
- No
- FX model
- Visa rate + 2% fee on non-EUR card transactions; EUR card settlement
- Opening requirements
- full - EEA-issued ID or passport plus proof of address; KuCard Visa only for EEA citizens/residents (except Malta)
- English support
- No
- Remote opening
- No
- Headquarters
- Austria
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- CriticalThis is an MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved, not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Read from: eu.license_type, eu.dgs_covered
- MediumDocumented too thinly to score (candidate).
Read from: maturity_level
Recent updates
- 2026-10-20checked9 facts about KuCoin re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
User reviews
User score
No reviews yet.
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FAQ
- Is my money protected?
- No. KuCoin operates under an MiCA CASP - KuCoin EU Exchange GmbH, authorised by Austrian FMA (listed on AMF France CASP white list); ESMA register number not retrieved licence — funds are safeguarded but NOT covered by a €100k Deposit Guarantee Scheme. It is not a bank in the deposit-protection sense.
- What IBAN and transfers?
- KuCoin issues a IBAN. SEPA Instant: no.
- Can I open remotely, in English?
- Opening may need a branch visit or local docs. Support is mainly local-language. Requirements: full - EEA-issued ID or passport plus proof of address; KuCard Visa only for EEA citizens/residents (except Malta).
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
We know this service exists, but a fact we consider critical is still missing — so it is not listed, scored or recommended.
Still needed
- Collect a critical field: currencies
- Collect a critical field: transfer_rails
- Collect a critical field: card_types