Girin Card vs XSPA Card
Girin Card
Crypto native
7.5
XSPA Card
Crypto native
7.2
Verdict
- Girin Card scores higher overall (7.5 vs 7.2 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Girin Card is a good fit for
- People who want to keep control of their keys
XSPA Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Girin Card | XSPA Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Self-Custody | 7.6 | n/a |
| Best for DeFi Users | 7.1 | n/a |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 8.6 | 8.3 |
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
No data yet
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
No data yet
Fees
Annual fee
FreeShow source
No data yet
Top-up fee
No data yet
FreeShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
GlobalConditions apply: tap or hover for detailsShow source
200+ countries
Not available in
CN, IR, IndonesiaShow source
No data yet
Account / spend currencies
XRP · RLUSDShow source
USDT · USDCShow source
Features
Apple Pay
YesShow source
No data yet
Google Pay
YesShow source
No data yet
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
No data yet
Annual cost at 1,500 EUR/month
Girin Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
XSPA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers