Koin review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Koin centres on digital cash management through an e-wallet app with prepaid card spending alongside internal and international transfers and QR based USDC buying. It suits people who want everyday balances and transfers handled in one phone led place with digital verification before use.
Key facts
- Best for
- Phone led everyday balances with card and transfers
- Legal entity
- Banco Mercantil Santa Cruz S.A.↗
- Headquarters
- Bolivia↗
- Founded
- 2006↗
- Support channels
- Email, Phone↗
- Features
- Digital-only
- Official website
- bmsc.com.bo
Savings
- Access terms
- 24/7 digital e-wallet app; KYC verification and digital signature required, buy USDC by QR, prepaid card, internal and international transfers↗
- Account kind
- Cash management↗
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros
Pros
- Digital e-wallet with home and overseas transfers in one place
- Prepaid card linked to app balances for everyday spending control
- QR based USDC buying inside same wallet for digital asset holders
Who it suits
- People who prefer app based balance management
- People who send money at home and abroad
How Koin compares
Where Koin is available
- Available
- Bolivia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Koin offer for everyday money?+
Koin provides an e-wallet app for everyday balances. It supports transfers at home and abroad alongside card spending. It also allows USDC buying by QR within the same wallet setup.
How does the wallet handle transfers and card use?+
The e-wallet holds funds for daily use. Internal transfers move funds between wallet users while international transfers send funds further afield. The card draws on app balances for in person and online spending.
Who might consider Koin?+
Koin may appeal to people who prefer managing day to day funds by app. It fits those comfortable with digital verification and signatures before activation. Check transfer coverage, card acceptance and USDC processes before choosing.
Which company operates Koin?+
Koin is operated by Banco Mercantil Santa Cruz S.A.. (Source, checked September 26, 2026)
Where is Koin based?+
Koin is based in Bolivia. (Source, checked September 26, 2026)
When was Koin founded?+
Koin was founded in 2006. (Source, checked September 26, 2026)
How can I contact Koin support?+
Koin offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Banco_Mercantil_Santa_Cruz checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“The bank was created in 2006 by the merger of Banco Mercantil and Banco Santa Cruz”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Support channels
“Support email callcenter@bmsc.com.bo ... Phone number +59178812000”
- bmsc.com.bo/koin checked September 26, 2026
Backs: Access terms, Account kind
- bmsc.com.bo/Koin checked September 26, 2026
Backs: Features
“a 100% digital e-wallet available 24/7”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee, Currencies.