# Banking That Pays You Back
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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 **5%** **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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