Yearly cost at three spending levels
| Monthly spend | Crypto.com Card | Xapo |
|---|---|---|
| $500 | ≤ -$24 Basic (Midnight) | -$1,024 Membership |
| $2,000 | ≤ -$96 Basic (Midnight) | -$1,024 Membership |
| $5,000 | ≤ -$240 Basic (Midnight) | -$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 | Crypto.com Card Basic (Midnight) | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | $0 |
| ATM fees | $0 | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | $0 | $0 |
| Net per year | -$96 | -$1,024 |
Fees
Crypto.com Card charges Not disclosed to convert or top up and 2% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: Crypto.com Card 2% after €200 free a month; Xapo 2% after $100 free a month.
A virtual card costs nothing with Crypto.com Card and nothing with Xapo. A physical card costs €4.99 and nothing.
Cashback and rewards
Crypto.com Card cashback: None. Xapo cashback: None.
Crypto.com Card tiers: Basic (Midnight): 0%.
Xapo tiers: Membership: 0%.
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
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Crypto.com Card 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
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
Xapo does not publish fixed spending or ATM limits.
Crypto.com Card works with Apple Pay and Google Pay, and Xapo does not list either. Crypto.com Card and Xapo issue a virtual card you can use straight away.
Custody and safety
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee 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: Crypto.com Card safety check and Xapo safety check.
About each card
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
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
Crypto.com Card fits if
- Its fees and availability match your situation better on the table above.
Xapo fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Crypto.com Card fees and details · Xapo fees and details · Crypto.com Card review