Binance Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Xapo Bank Card scores higher overall (5.4 vs 4.9 out of 10).
- Binance Card is clearly stronger on: Fees, Product features, Limits & ATM.
- Xapo Bank Card is clearly stronger on: Cashback & rewards, FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Stronger on: Fees, Product features, Limits & ATM
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international, Custody & security
Score by criterion
| Criterion | Binance Card | Xapo Bank Card |
|---|---|---|
| Fees | 100 | 49 |
| Cashback & rewards | 8 | 24 |
| Availability | 3 | – |
| FX & international | 20 | 100 |
| Product features | 70 | 53 |
| Custody & security | 60 | 75 |
| Credit & financing | – | 30 |
| Limits & ATM | 87 | 62 |
| Transparency | 93 | 86 |
| Best for Cashback | 3.6 | 4.3 |
| Best for Travel | 4.8 | 6.8 |
| Best for DeFi Users | 5.5 | n/a |
| Best for Stablecoins | 5.6 | n/a |
| Best for High Spenders | 4.3 | 4.8 |
| Best for Low Fees | 7.7 | 6.9 |
| Best for Beginners | 6.3 | 5.7 |
| Best E-Money Card | n/a | 6.6 |
Product
Product status
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%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Annual Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
$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
Free*Show source
Physical card fee: Free
Issuance; 30 BRL if the physical card is cancelled within one year
Source states (paraphrased): Card Issuance Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Issuance; 30 BRL if the physical card is cancelled within one year
Free*Show source
Physical card fee: Free
Card included in the membership; additional replacement card in a year 25 USD
Source states (paraphrased): Experience the flexibility of high spending limits and a complimentary premium metal card.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card included in the membership; additional replacement card in a year 25 USD
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
2%*Show source
FX fee: 2%
1–2% depending on the transaction
Source states (paraphrased): Foreign Exchange Fee 1-2%
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
1–2% depending on the transaction
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
0.1%*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
$1.50*Show source
ATM fee: $1.50
After 2 free withdrawals per month
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After 2 free withdrawals per month
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%
Cashback & rewards
Max cashback
3%*Show source
Max cashback: 3%
Up to; paid monthly into the Binance wallet
Source states (paraphrased): Earn up to 3% cashback on all your spending.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to; paid monthly into the Binance wallet
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
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
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%
Interest on balance
4.1%*Show source
Interest on balance: 4.1%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
Source states (paraphrased): Xapo Bank offers up to 4.6%* interest on USD Savings, paid daily in BTC.
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
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%
Availability
Available in
Brazil*Show source
Available in: Brazil
Currently only Brazil
Source states (paraphrased): Your Binance Account country of residence must be one of the supported countries of Binance Card. Currently we support: Brazil.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Currently only Brazil
Features
Physical card
Yes*Show source
Physical card: Yes
Complimentary metal card with the membership
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Complimentary metal card with the membership
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Add your virtual card to your wallets to start spending your crypto.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Virtual card: Yes
Included in the membership (metal, standard and virtual cards)
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
ATM withdrawals: Yes
Free up to USD 100 per month, then 2%
Source states (paraphrased): Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free up to USD 100 per month, then 2%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Binance Crypto Card supports the following cryptocurrencies: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP, BRL, U
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No*Show source
Spend stablecoins: No
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Source states (paraphrased): Deposit stablecoins with automatic conversion to USD
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
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
Spending limit
R$25,000*Show source
Spending limit: R$25,000
Per day (50,000 BRL per month); higher with further verification
Source states (paraphrased): Spending Limit 25,000 BRL 50,000 BRL 200,000 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per day (50,000 BRL per month); higher with further verification
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
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)
Source states (paraphrased): Banking services are provided by Xapo Bank Limited, which is regulated as a Credit Institution by the GFSC (Permission No. 23171)
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Xapo Bank Card
- Annual & monthly fees−893 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