Which is cheaper, ether.fi Cash or Xapo?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, ether.fi Cash leaves $1,744 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use ether.fi Cash and Xapo in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. Country list not published for ether.fi Cash; country list not published for Xapo.

Is ether.fi Cash or Xapo safer?

Xapo scores higher on our safety check (69/100 against 60/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, ether.fi Cash or Xapo?

ether.fi Cash pays 3% to 4% and Xapo pays none. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

ether.fi Cash vs Xapo: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	ether.fi Cash	Xapo
Countries offered	List not published	List not published
Card network	Visa	Visa
Custody	Self-custody	Custodial
KYC	Full	Full
Top-up assets	USDC, ETH	USD, BTC, USDC, USDT
Top-up or conversion fee	Not disclosed	0%
FX markup	Not disclosed	0%
ATM fee	Not disclosed	2% after $100 free a month
Annual fee (base tier)	Free (better)	$1,000
Card issuance	Virtual Free · Physical Not disclosed	Virtual Free · Physical Free
Cashback	3% to 4% (better)	None
Apple Pay / Google Pay	Apple Pay, Google Pay	Not listed
Safety score	60/100	69/100 (better)
Overall rating	48/100 (better)	21/100
Get the card	Get ether.fi Cash	Get Xapo

Yearly cost at three spending levels

Monthly spend	ether.fi Cash	Xapo
$500	≤ +$180 Core	-$1,024 Membership
$2,000	≤ +$720 Core	-$1,024 Membership
$5,000	≤ +$720 Core	-$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	ether.fi Cash Core	Xapo Membership
Top-up and conversion fees	Not disclosed	$0
Spending fees	Not disclosed	$0
Foreign exchange markup	Not disclosed	$0
ATM fees	Not disclosed	-$24
Annual, monthly and subscription fees	$0	-$1,000
Cashback	+$720	$0
Net per year	+$720	-$1,024

Fees

ether.fi Cash charges Not disclosed to convert or top up and Not disclosed on spending in a foreign currency. Xapo charges 0% and 0%.

ATM withdrawals: ether.fi Cash not disclosed; Xapo 2% after $100 free a month.

A virtual card costs nothing with ether.fi Cash and nothing with Xapo. A physical card costs an undisclosed fee and nothing.

Cashback and rewards

ether.fi Cash cashback: 3% to 4%. Xapo cashback: None.

ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.

Xapo tiers: Membership: 0%.

ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.

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

ether.fi Cash does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand the first virtual card costs $10.

Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.

ether.fi Cash 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

ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.

Xapo does not publish fixed spending or ATM limits.

ether.fi Cash works with Apple Pay and Google Pay, and Xapo does not list either. Xapo issues a virtual card you can use straight away.

Custody and safety

ether.fi Cash scores 60/100. 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. ether.fi describes Cash as a non-custodial account. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.

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: ether.fi Cash safety check and Xapo safety check.

About each card

ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.

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

ether.fi Cash fits if

You want to keep crypto in your own wallet until each payment.
You want a higher cashback ceiling (up to 4%).

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.

ether.fi Cash vs Xapo