Tria Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Tria Card scores higher overall (7.1 vs 5.4 out of 10).
- Tria Card is clearly stronger on: Fees, Cashback & rewards, Product features, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tria Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Cashback & rewards, Product features, Credit & financing
Xapo Bank Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | Tria Card | Xapo Bank Card |
|---|---|---|
| Fees | 91 | 49 |
| Cashback & rewards | 44 | 24 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | 70 | 53 |
| Custody & security | 80 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 71 | 62 |
| Transparency | 86 | 86 |
| Best for Cashback | 6.1 | 4.3 |
| Best for Travel | 8.0 | 6.8 |
| Best for Self-Custody | 7.8 | n/a |
| Best for DeFi Users | 7.4 | n/a |
| Best for High Spenders | 6.9 | 4.8 |
| Best for Low Fees | 9.0 | 6.9 |
| Best for Beginners | 7.3 | 5.7 |
| Best Crypto Credit Card | 7.4 | n/a |
| Best E-Money Card | n/a | 6.6 |
Product
Product status
ActiveShow source
Product status: Active
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
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
Crypto-backed creditShow source
Card type: Crypto-backed credit
Source states (paraphrased): permits collateral-backed spending accounts involving digital assets
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Funds stay in the user's own wallet until the moment of purchase; Tria never takes custody.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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
Card issuer / program manager
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)*Show source
Card issuer / program manager: Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)
International card terms
Source states (paraphrased): Nimbus, LLC a Delaware U.S. corporation
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
International card terms
Tiers / plans
Lite · Pro · MaxShow source
Tiers / plans: Lite · Pro · Max
Source states (paraphrased): Tria offers three tiers to match how you use your crypto.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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
$109*Show source
Physical card fee: $109
Plastic card; Metal card 250 USD
Source states (paraphrased): Plastic Card: $109
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Plastic card; Metal card 250 USD
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
Virtual card fee
$25*Show source
Virtual card fee: $25
Virtual card; Plastic 109 USD, Metal 250 USD
Source states (paraphrased): Virtual Card: $25
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%Show source
FX fee: 0%
Source states (paraphrased): 0% FX fees.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
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
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): No deposit fees.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
ATM fee
$1 + 1%*Show source
ATM fee: $1 + 1%
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
Source states (paraphrased): Base Fee: $1.00 Percentage Fee: 1% of the withdrawal amount
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
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
FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosure*Show source
Other fees & markups: FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosure
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Source states (paraphrased): Foreign Exchange ("FX"): Up to 3%
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 60%
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Cashback & rewards
Base cashback
1.5%*Show source
Base cashback: 1.5%
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
6%*Show source
Max cashback: 6%
Premium tier, headline rate, monthly spend caps apply
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Premium tier, headline rate, monthly spend caps apply
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
USDT on ArbitrumShow source
Cashback paid in: USDT on Arbitrum
Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
StablecoinShow source
Cashback type: Stablecoin
Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
Cashback-eligible spend cap
$100/month*Show source
Cashback-eligible spend cap: $100/month
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Source states (paraphrased): Virtual earns 1.5% on the first $100/month, then 0.5% after the monthly limit.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Cashback conditions
Cashback is a membership benefit; it stops on new transactions if the membership is not renewed*Show source
Cashback conditions: Cashback is a membership benefit; it stops on new transactions if the membership is not renewed
Pro $109/year, Max $250/year standard renewal pricing
Source states (paraphrased): Membership benefits, including cashback on new transactions, will no longer apply.
Source: Tria Card Membership Renewal FAQ - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Pro $109/year, Max $250/year standard renewal pricing
Credit & financing
Credit line
YesShow source
Credit line: Yes
Source states (paraphrased): The Issuer establishes your credit limit.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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%
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): permits collateral-backed spending accounts involving digital assets
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Max loan-to-value
100%*Show source
Max loan-to-value: 100%
Spending limit equals USD market value of collateral (1:1)
Source states (paraphrased): post Collateral that has Market Value in United States Dollars (“ USD ”) equal to each dollar that is charged to all of your Cards
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Spending limit equals USD market value of collateral (1:1)
Interest (APR)
0%Show source
Interest (APR): 0%
Source states (paraphrased): Your Card is currently 0% interest on all purchases.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Interest notes: Currently 0% on all purchases; issuer may introduce interest for new purchases in the future
Source states (paraphrased): Issuer reserves the right to implement interest in the future, for new purchases.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Grace period: Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Repayment: Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaid
Source states (paraphrased): Balances in your Linked Wallet or Additional Wallet may be used as a source of funds for repayment for any spending on your Card
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): you may be subject to a Liquidation Event
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Where supported
Source states (paraphrased): Connect your card to Apple Pay or Google Pay
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Where supported
Google Pay
Yes*Show source
Google Pay: Yes
Where supported
Source states (paraphrased): Connect your card to Apple Pay or Google Pay
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Where supported
Physical card
Yes*Show source
Physical card: Yes
Pro (plastic) and Max (metal) tiers only
Source states (paraphrased): Choose between Lite or physical card options.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Pro (plastic) and Max (metal) tiers only
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
Yes*Show source
Virtual card: Yes
Lite tier is virtual-only
Source states (paraphrased): Choose between Lite or physical card options.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Lite tier is virtual-only
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): When withdrawing cash, your transaction is subject to two different sets of limits
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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
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
Spendable assets
1,000+ tokens accepted for fundingShow source
Spendable assets: 1,000+ tokens accepted for funding
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; more may be added
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; more may be added
Limits
ATM limit
$750*Show source
ATM limit: $750
Per transaction; maximum 3 withdrawals per 24 hours
Source states (paraphrased): Per Transaction: Maximum of $750 .
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; maximum 3 withdrawals per 24 hours
$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
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
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+16 EUR
- 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