KuCard

How do I Spend Crypto with my KuCoin EU KuCard?

Kali terakhir dikemas kini: 29/09/2026, 07:01:00

How KuCard transactions work

KuCard enables eligible users to make card payments that are settled in fiat currency (EUR), with the option to use supported crypto-assets as a funding source through conversion at the time of transaction.
Supported funding options currently include:
Fiat currency: EUR
Supported crypto-assets (non-exhaustive list): USDC
You may select which funding assets are available for KuCard transactions and define a priority order for how payments are funded. At least one funding asset (fiat or crypto) must remain enabled at all times in order to complete transactions.
Additional crypto-assets may be supported in the future, subject to regulatory approval and technical availability.
    

Payment priority and deduction order

When a KuCard transaction is initiated, funds are deducted based on the payment priority order set by you.
If the balance of the first priority funding asset is insufficient, the system will automatically proceed to the next available option in the defined order.
    

Important information

  • Authorisation and settlement  When a transaction is authorised, the authorised amount is temporarily held in your Funding Account until the merchant completes settlement. If an authorisation is reversed or expires, the held amount is released back to your available balance.
  • Authorisation buffer  The authorised amount may differ slightly from the final settled amount. A buffer (e.g. up to 3%) may be applied during authorisation to account for potential exchange rate fluctuations. Any unused portion is released after settlement. Availability of this feature may vary by region.
  • Use of crypto-assets  Each transaction may use fiat (EUR) and at most one type of crypto-asset as a funding source.
  1. Transactions cannot be split across multiple crypto-assets.
  2. If the selected crypto-asset balance is insufficient, the system will automatically proceed to the next funding option based on your priority order.
    

Regulatory clarification

KuCard transactions are settled in fiat currency (EUR).
Crypto-assets are used solely as a funding source via conversion and are not transferred to merchants.
Conversion rates, availability, and execution are subject to market conditions, applicable fees, and regulatory requirements.

       

We hope this article has been helpful. If you have any other questions, please reach out to our 24/7 customer support via online chat or submit a ticket.