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Bitwala Card vs Xapo Bank Card

Bitwala Card

Crypto native

7.0
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Xapo Bank Card

Crypto enabled

5.4
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Verdict

  • Bitwala Card scores higher overall (7.0 vs 5.4 out of 10).
  • Bitwala Card is clearly stronger on: Fees, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

Stronger on: Fees, Transparency

Xapo Bank Card is a good fit for

  • Frequent travellers

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesBitwala Card vs ether.fi CashXapo Bank Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardXapo Bank Card
Fees8849
Cashback & rewards–24
Availability100–
FX & international–100
Product features5853
Custody & security7075
Credit & financing3030
Limits & ATM6062
Transparency10086
Best for Cashbackn/a4.3
Best for Travel6.66.8
Best for DeFi Users6.2n/a
Best for Stablecoins6.8n/a
Best for High Spendersn/a4.8
Best for Low Fees7.66.9
Best for Beginners7.95.7
Best E-Money Cardn/a6.6

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Debit cardShow source
Debit cardShow source

Network

VisaShow source
No data yet

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Fees

Annual fee

No data yet
$1,000/yearConditions apply: tap or hover for detailsShow source

Xapo Bank membership, card included

Monthly fee

FreeShow source
No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

FreeConditions apply: tap or hover for detailsShow source

Card included in the membership; additional replacement card in a year 25 USD

Virtual card fee

€0.99Show source
No data yet

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

Network exchange rate, no Xapo markup

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

0.1%Conditions apply: tap or hover for detailsShow source

Spread when spending from the BTC wallet

ATM fee

€2 + 1%Show source
2%Conditions apply: tap or hover for detailsShow source

Outside Gibraltar, above the free monthly allowance; operator fees separate

Free ATM allowance

No data yet
$100/monthShow source

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
No data yet

Cashback & rewards

Max cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Up to, on qualifying purchases

Cashback paid in

No data yet
BTCShow source

Cashback type

No data yet
CryptoShow source

Interest on balance

No data yet
4.1%Conditions apply: tap or hover for detailsShow source

Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAShow source
No data yet

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

No data yet

Google Pay

YesShow source
No data yet

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Complimentary metal card with the membership

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Included in the membership (metal, standard and virtual cards)

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Free up to USD 100 per month, then 2%

Spend stablecoins

YesShow source
NoConditions apply: tap or hover for detailsShow source

USDC/USDT deposits convert automatically to USD; the card spends USD or BTC

Spendable assets

BTC · ETH · USDC · EURShow source
No data yet

Limits

ATM limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per day

Security & custody

Regulation / licences

No data yet
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Xapo Bank Card

  • Annual & monthly fees−898 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−2 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

More Bitwala Card comparisons

More Xapo Bank Card comparisons