Nebeus Card vs Xapo Bank Card
Crypto enabled
Crypto enabled
Verdict
- Xapo Bank Card scores higher overall (5.4 vs 5.3 out of 10).
- Nebeus Card is clearly stronger on: Fees, Transparency.
- Xapo Bank Card is clearly stronger on: Cashback & rewards, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Transparency
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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 | Nebeus Card | Xapo Bank Card |
|---|---|---|
| Fees | 100 | 49 |
| Cashback & rewards | 3 | 24 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 53 | 53 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 3.7 | 4.3 |
| Best for Travel | n/a | 6.8 |
| Best for High Spenders | 3.9 | 4.8 |
| Best for Low Fees | 8.0 | 6.9 |
| Best for Beginners | 6.7 | 5.7 |
| Best E-Money Card | 6.8 | 6.6 |
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 cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Debit cardShow source
Network
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends fiat and crypto accounts held at Nebeus
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Tiers / plans
Free · Plus · ProShow source
Fees
Annual fee
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
Other fees & markups
Payments from an account in another currency are converted at the Nebeus sell rateShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
Cashback paid in
EURShow source
BTCShow source
Cashback type
FiatShow source
CryptoShow source
Interest on balance
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
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
Cashback conditions
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
Credit & financing
Credit line
NoShow source
NoShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow 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
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day
Security & custody
Regulation / licences
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
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- 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