Bitget Wallet Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Bitget Wallet Card scores higher overall (6.8 vs 4.4 out of 10).
- Bitget Wallet Card is clearly stronger on: Fees, Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitget Wallet Card is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards
Xapo Bank Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | Bitget Wallet Card | Xapo Bank Card |
|---|---|---|
| Fees | 100 | 36 |
| Cashback & rewards | 44 | 4 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | – | 30 |
| Limits & ATM | – | 62 |
| Transparency | 86 | 86 |
| Best for Cashback | 6.1 | 3.0 |
| Best for Travel | n/a | 6.4 |
| Best for Stablecoins | 6.5 | n/a |
| Best for High Spenders | 5.7 | 3.8 |
| Best for Low Fees | 7.8 | 6.3 |
| Best for Beginners | 7.4 | 5.0 |
| Best E-Money Card | n/a | 6.2 |
Product
Product status
ActiveShow source
Product status: Active
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
Visa / MastercardShow source
Network: Visa / Mastercard
Source states (paraphrased): Use wherever Visa or Mastercard is accepted.
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): 0 annual fee.
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
$1,000/year*Show source
Annual fee: $1,000/year
Xapo Bank membership, card included
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Xapo Bank membership, card included
FX fee
0%*Show source
FX fee: 0%
Network exchange rate, no Xapo markup
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%*Show source
Crypto conversion fee: 0.1%
Spread when spending from the BTC wallet
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Spread when spending from the BTC wallet
ATM fee
2%*Show source
ATM fee: 2%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
Free ATM allowance: $100/month
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Other fees & markups
Top-up and currency conversion fees apply once the monthly assetback allowance is exceededShow source
Other fees & markups: Top-up and currency conversion fees apply once the monthly assetback allowance is exceeded
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
2%*Show source
Base cashback: 2%
Base assetback for all cardholders, within a monthly allowance
Source states (paraphrased): All cardholders earn 2% base assetback by default.
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Base assetback for all cardholders, within a monthly allowance
Max cashback
3%*Show source
Max cashback: 3%
New users or after reaching the monthly spending threshold
Source states (paraphrased): New users or those reaching the monthly spending threshold upgrade to 3% assetback.
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
New users or after reaching the monthly spending threshold
1%*Show source
Max cashback: 1%
Up to, on qualifying purchases
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to, on qualifying purchases
Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
EEA, United Kingdom, South Africa*Show source
Available in: EEA, United Kingdom, South Africa
Plus 10 Latin American and 10 Asia-Pacific markets, Pakistan and Bangladesh (50+ in total)
Source states (paraphrased): Current markets: EEA and UK, ten LatAm countries, ten APAC markets, South Africa, Pakistan, Bangladesh.
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus 10 Latin American and 10 Asia-Pacific markets, Pakistan and Bangladesh (50+ in total)
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spendable assets
USDT · USDC · ETH · SOLShow source
Spendable assets: USDT · USDC · ETH · SOL
Source: Bitget Wallet Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
ATM limit
$2,000*Show source
ATM limit: $2,000
Per day
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per day
Annual cost at 1,500 EUR/month
Bitget Wallet Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Xapo Bank Card
- Annual & monthly fees−870 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−3 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers