Xapo Bank Card vs XPlace Card
Crypto enabled
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 5.4 out of 10).
- XPlace Card is clearly stronger on: Fees, Cashback & rewards, Product features, Credit & financing, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Xapo Bank Card is a good fit for
- Frequent travellers
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Cashback & rewards, Product features, Credit & financing, Transparency
★ 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 | Xapo Bank Card | XPlace Card |
|---|---|---|
| Fees | 49 | 100 |
| Cashback & rewards | 24 | 36 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 53 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 4.3 | 5.6 |
| Best for Travel | 6.8 | n/a |
| Best for Self-Custody | n/a | 7.3 |
| Best for DeFi Users | n/a | 7.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 4.8 | 5.8 |
| Best for Low Fees | 6.9 | 8.0 |
| Best for Beginners | 5.7 | 7.7 |
| Best Crypto Credit Card | n/a | 7.6 |
| Best E-Money Card | 6.6 | n/a |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Debit cardShow source
Debit card, Crypto-backed creditShow source
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Fees
Annual fee
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
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
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
BTCShow source
USDCShow source
Cashback type
CryptoShow source
StablecoinShow 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
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Cashback conditions
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
YesShow source
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
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
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
Xapo Bank Card
- Annual & monthly fees−893 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−3 EUR
- Cashbackunknown
- Net annual valuenot enough data
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers