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Oobit vs Xapo Bank Card

Oobit

Crypto native

4.7
Get the card
Xapo Bank Card

Crypto enabled

4.4
Get the card

Verdict

  • Oobit scores higher overall (4.7 vs 4.4 out of 10).
  • Oobit is clearly stronger on: Cashback & rewards.
  • Xapo Bank Card is clearly stronger on: Fees, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Oobit is a good fit for

  • People who want to keep control of their keys

Stronger on: Cashback & rewards

Xapo Bank Card is a good fit for

  • Frequent travellers

Stronger on: Fees, Limits & ATM

Score by criterion

CriterionOobitXapo Bank Card
Fees2236
Cashback & rewards404
Availability10–
FX & international–100
Product features100–
Custody & security80–
Credit & financing–30
Limits & ATM5062
Transparency9386
Best for Cashback4.33.0
Best for Travel4.86.4
Best for Self-Custody6.5n/a
Best for DeFi Users6.0n/a
Best for High Spenders4.63.8
Best for Low Fees4.46.3
Best for Beginners6.25.0
Best E-Money Cardn/a6.2

Product

Product status

ActiveShow source

Product status: Active

Source: Oobit Crypto 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

No data yet
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

VisaShow source

Network: Visa

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Custody model

Self-custody*Show source

Custody model: Self-custody

Crypto stays in your wallet until the moment you pay

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Crypto stays in your wallet until the moment you pay

No data yet

Fees

Annual fee

No data yet
$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

No data yet
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

0.95%*Show source

Crypto conversion fee: 0.95%

Swaps; 3% when swapping into OOB

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Swaps; 3% when swapping into OOB

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

2.5% (min. $0.25)*Show source

ATM fee: 2.5% (min. $0.25)

Plus ATM operator fees

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Plus ATM operator fees

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

No data yet
$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%

Settlement fee

1% (min. $0.25)*Show source

Settlement fee: 1% (min. $0.25)

Per card payment (Brazil: 1%, no minimum)

Source states (paraphrased): 1% per payment, with a minimum of $0.25.

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Per card payment (Brazil: 1%, no minimum)

No data yet

Cashback & rewards

Max cashback

10%*Show source

Max cashback: 10%

Up to

Source: Oobit Crypto Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Up to

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

No data yet
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

No data yet
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%

Cashback-eligible spend cap

$200/month*Show source

Cashback-eligible spend cap: $200/month

When paying with tokens other than OOB; $10,000/month when paying with OOB

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

When paying with tokens other than OOB; $10,000/month when paying with OOB

No data yet

Cashback conditions

Higher cashback cap requires paying with the OOB tokenShow source

Cashback conditions: Higher cashback cap requires paying with the OOB token

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Credit & financing

Credit line

No data yet
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

United Arab Emirates, Saudi Arabia, South Korea*Show source

Available in: United Arab Emirates, Saudi Arabia, South Korea

Oobit lists 74 countries; only countries with a dedicated official page are recorded

Source: Crypto Card UAE

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Oobit lists 74 countries; only countries with a dedicated official page are recorded

No data yet

Features

Apple Pay

Yes*Show source

Apple Pay: Yes

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

After verification

No data yet

Google Pay

Yes*Show source

Google Pay: Yes

After verification

Source: Crypto Card in South Korea

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

After verification

No data yet

ATM withdrawals

YesShow source

ATM withdrawals: Yes

Source: Oobit FAQ

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Limits

ATM limit

No data yet
$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

Oobit

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashbackunknown
  • 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

More Oobit comparisons

More Xapo Bank Card comparisons