Built to do
Spend straight from your balance.
Kairo cards work online and in person, with controls over how and where they can be used.
Open an accountPhysical card
For everyday spending in person, including supported contactless payments.
Virtual card
Created inside Kairo for online payments and subscriptions.
Card controls
Freeze a card, control where it works, and see every payment made with it.
Spending you can see as it happens
Card payments appear alongside the rest of your activity, with the balance they came from and their current status.
- Payment history
- Freeze & unfreeze
- Usage controls
- Card details
Cards for teams, too
On Kairo Business, cards connect to company funds with budgets, approval rules and spend tracking by team or purpose.
Questions, answered
Everything you need to know about Kairo Finance
- Kairo is a modern financial platform that helps you hold, move and spend money across currencies and borders, all from one seamless experience.
- You can hold and convert between supported fiat currencies and stablecoins, including Naira, US Dollars, Pounds and Euros, with more added over time.
- Yes. You can receive money into your Kairo accounts from supported countries and convert it into the currency you need.
- Yes. You can send money across borders from your Kairo balances, with the rate and any fees shown before you confirm.
- Yes. You can hold supported stablecoins alongside your fiat balances and move between them whenever you need to.
- Your balances are held with Kairo's regulated and licensed partners, who provide custody and payment services where required.
- You can freeze your card instantly in the app and contact support. We will investigate any transactions you did not authorise.
Cards that fit the way you spend.
Choose the card that works for you, manage it from Kairo, and stay in control wherever you spend.
Get your Kairo card