# Overview

Money is only useful if you can actually use it. COCA is built around that simple idea: **top up your Banking Account, pay at 150M+ merchants worldwide and get rewarded**. 

<figure><img src="/files/DPgMYVFDMvS8d9ych8Gq" alt=""><figcaption></figcaption></figure>

### Spend your money everywhere

COCA gives you both **a virtual and a physical card**, designed for everyday spending—coffee, groceries, Uber, online shopping, rent-related payments, and subscriptions.

Add your COCA card to **Apple Pay or Google Pay** and pay anywhere cards are accepted.

### Easy ways to top up your Banking Account

Adding money to COCA is simple. Choose the option that feels most familiar to you.

**Bank transfer (IBAN / SEPA)**\
Get your own IBAN and send money to COCA just like you would with a regular bank account. Transfer EUR (SEPA) or USD, and your money is ready to spend.

**Card top up**\
Add money instantly using your debit or credit card from another bank. It’s fast, easy, and works the way you expect.

**Stablecoins** \
You can also top up COCA with supported stablecoins on multiple blockchains directly to the Banking Account you control.

### **Global Access**

* You can order the card with a passport from almost any country, including those in the EEA, CIS, US, UK, Latin America, Asia-Pacific, MENA regions, and more.
* Card availability depends on your residence in one of the 54 supported countries, which include:
  * **EEA countries:** Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
  * **Other Europe Countries:** Andorra, Gibraltar, Monaco, Montenegro, Switzerland, United Kingdom.
  * **Asia-Pacific:** Australia, Hong Kong, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam.
  * **Latin America:** Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru.

### **Top-Tier Security**

* COCA cards are PCI DSS and ISO compliant, ensuring top-tier security.
* 3D Secure is available for added protection.
* You can also freeze your card to protect yourself against unauthorized transactions.

### Fees

* Zero FX Fees on Direct Pairs
* Zero Annual Fees
* Zero Issue Fees
* Zero ATM Withdrawals Fees Globally Up to $200


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