💸Banking That Pays You Back
COCA is a next-generation challenger bank that pays you back. Earn market-leading interest on your balance and get cashback on popular subscriptions – all in one modern banking experience:
A clean, simple app
A Visa card you can use online and in-store worldwide
IBAN with international transfers, card-to-card payments
Highest rewards and APY on your balance
Funds under your control
Under the hood, COCA is not a traditional bank. Think of a challenger banks (like Revolut, N26, or Nubank), but powered by a smarter, more efficient infrastructure behind the scenes.
Why is COCA a game changer? The funds stay under your control.
The result? A better, safer, more rewarding way to manage your money.
Why choose COCA?
Feels like a bank, but secure as cash COCA is built so your money ultimately lives in a wallet you control (self-custodial – same as cash), not on a bank’s balance sheet. You spend and earn from this wallet and the money always stays with you.
A card you can use everywhere Your COCA card lets you spend money anywhere Visa is accepted – online, in-store, and for subscriptions. Top up via an IBAN in EUR or USD (just like a normal bank transfer), from other card or via stablecoins. We handle everything in the background.
Highest cashback on real spending Use COCA as your main card and get up to 8% cashback on everyday spending and up to 50% back on subscriptions, depending on your tier and region. Your normal lifestyle – groceries, rides, Netflix, Spotify, ChatGPT – can start paying you back.
Passive earnings on your card balance, with no lockups Your balance can earn up to 6% interest while it’s just sitting there, and it’s still fully accessible – no lockups. Earn on your money by just holding it in COCA and spend whenever you need it.
Travel with COCA Use COCA Travel to book flights and hotels. Get exclusive prices and exceptional discounts of up to 65%.
Try COCA now
COCA is available on iOS and Android. Try it now:
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