RedotPay vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- RedotPay scores higher overall (6.2 vs 4.4 out of 10).
- RedotPay is clearly stronger on: Fees.
- Xapo Bank Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
RedotPay is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: FX & international
Score by criterion
| Criterion | RedotPay | Xapo Bank Card |
|---|---|---|
| Fees | 73 | 36 |
| Cashback & rewards | – | 4 |
| Availability | – | – |
| FX & international | 52 | 100 |
| Product features | 100 | – |
| Custody & security | – | – |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | 62 |
| Transparency | 93 | 86 |
| Best for Cashback | n/a | 3.0 |
| Best for Travel | 6.3 | 6.4 |
| Best for High Spenders | 5.9 | 3.8 |
| Best for Low Fees | 6.9 | 6.3 |
| Best for Beginners | 7.6 | 5.0 |
| Best E-Money Card | n/a | 6.2 |
Product
Product status
ActiveShow source
Product status: Active
Source: RedotPay 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
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: RedotPay Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Standard · Pro ($12.90/month or $129/year)Show source
Tiers / plans: Standard · Pro ($12.90/month or $129/year)
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
$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
Physical card fee
$100Show source
Physical card fee: $100
Source states (paraphrased): Physical card: 100 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card fee
$10Show source
Virtual card fee: $10
Source states (paraphrased): Virtual card: 10 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
1.2%*Show source
FX fee: 1.2%
Spending in a currency other than the card currency
Source states (paraphrased): Transaction in another currency: 1.2%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spending in a currency other than the card currency
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
1%Show source
Crypto conversion fee: 1%
Source states (paraphrased): Crypto conversion costs 1%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%*Show source
ATM fee: 2%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Source states (paraphrased): ATM withdrawals on a USD card cost 2% up to $10,000 a month, then 3%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM 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
$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%
Other fees & markups
1.5% fee (min. $0.50) at certain merchants; up to three waivers per card per monthShow source
Other fees & markups: 1.5% fee (min. $0.50) at certain merchants; up to three waivers per card per month
Source: Select Merchant Transaction Fee Rules
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Max cashback
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
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
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%
Credit & financing
Credit line
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%
Features
Physical card
Yes*Show source
Physical card: Yes
Not available in every country
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not available in every country
Virtual card
YesShow source
Virtual card: Yes
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
ATM limit
$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
RedotPay
- Annual & monthly feesunknown
- FX costs−43 EUR
- Crypto conversion–
- ATM costs−24 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