Yearly cost at three spending levels
| Monthly spend | Bitget Wallet | Xapo |
|---|---|---|
| $500 | ≤ +$99.60 Base | -$1,024 Membership |
| $2,000 | ≤ +$398.40 Base | -$1,024 Membership |
| $5,000 | ≤ +$996 Base | -$1,024 Membership |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bitget Wallet Base | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$81.60 | $0 |
| ATM fees | Not disclosed | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | +$480 | $0 |
| Net per year | +$398.40 | -$1,024 |
Fees
Bitget Wallet charges 0% to convert or top up and 1.7% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: Bitget Wallet no atm access (virtual card only); Xapo 2% after $100 free a month.
A virtual card costs $0.10 with Bitget Wallet and nothing with Xapo. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
Bitget Wallet cashback: 2% to 3%. Xapo cashback: None.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
Xapo tiers: Membership: 0%.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
Availability and KYC
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Bitget Wallet needs full KYC and Xapo needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bitget Wallet does not publish fixed spending or ATM limits.
Xapo does not publish fixed spending or ATM limits.
Bitget Wallet works with Apple Pay and Google Pay, and Xapo does not list either. Bitget Wallet and Xapo issue a virtual card you can use straight away.
Custody and safety
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
Full reports: Bitget Wallet safety check and Xapo safety check.
About each card
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Which card fits you
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- You want a higher cashback ceiling (up to 3%).
Xapo fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bitget Wallet fees and details · Xapo fees and details