Xapo Bank Card vs Zoomex Card
Crypto enabled
Crypto native
Verdict
- Xapo Bank Card scores higher overall (5.4 vs 5.2 out of 10).
- Xapo Bank Card is clearly stronger on: FX & international, Custody & security.
- Zoomex Card is clearly stronger on: Fees, 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
Stronger on: FX & international, Custody & security
Zoomex Card is a good fit for
- Stablecoin holders
Stronger on: Fees, 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 | Zoomex Card |
|---|---|---|
| Fees | 49 | 88 |
| Cashback & rewards | 24 | 21 |
| Availability | – | – |
| FX & international | 100 | 20 |
| Product features | 53 | 56 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 62 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 4.3 | 4.3 |
| Best for Travel | 6.8 | 4.5 |
| Best for DeFi Users | n/a | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | 4.8 | 4.0 |
| Best for Low Fees | 6.9 | 6.7 |
| Best for Beginners | 5.7 | 6.7 |
| 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
ActiveShow source
Card type
Debit cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Fees
Annual fee
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network exchange rate, no Xapo markup
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
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
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
1%Show source
Cashback paid in
BTCShow source
Cashback type
CryptoShow 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
Cashback conditions
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow 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
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
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
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
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
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
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers