Oppi Wallet Virtual Card vs XSPA Card
Crypto native
Crypto native
Verdict
- XSPA Card scores higher overall (7.2 vs 7.1 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Oppi Wallet Virtual 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:
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 | Oppi Wallet Virtual Card | XSPA Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.6 | n/a |
| Best for Self-Custody | 7.2 | n/a |
| Best for DeFi Users | 6.9 | n/a |
| Best for Low Fees | 7.1 | 8.0 |
| Best for Beginners | 8.5 | 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
Prepaid cardShow source
Prepaid cardShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Self-custody wallet until crypto is loaded onto the card
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$100Show source
Virtual card fee
$10Conditions apply: tap or hover for detailsShow source
$5 credited back to the card
FX fee
2%Conditions apply: tap or hover for detailsShow source
2 to 2.5%
Top-up fee
FreeShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
210+ countries, eligibility checked at signup
GlobalConditions apply: tap or hover for detailsShow source
200+ countries
Account / spend currencies
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
USDT · USDCShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
Spendable assets
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
and other supported crypto
Blockchains
Ethereum · BSC · Polygon · TRON · SolanaConditions apply: tap or hover for detailsShow source
From comparison table
Annual cost at 1,500 EUR/month
Oppi Wallet Virtual Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- 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