What do I need to use Qoins? Armin March 30, 2022 14:34 Updated To use Qoins, you’ll need a checking account from a U.S. bank or credit union. You also need to be 18 years of age or older. Related articles How do you make money? (Fees) When do you send payments towards my debt? Why did my full Qoins balance not send out as a payment? How can I contact you? How long do the small deposits take to show up in my checking account? Comments 0 comments Article is closed for comments.