Yearly cost at three spending levels
| Monthly spend | RedotPay | Xapo |
|---|---|---|
| $500 | -$146.40 Standard | -$1,024 Membership |
| $2,000 | -$369.60 Standard | -$1,024 Membership |
| $5,000 | -$816 Standard | -$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 | RedotPay Standard | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | $0 |
| ATM fees | -$48 | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | $0 | $0 |
| Net per year | -$369.60 | -$1,024 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Xapo charges 0% and 0%.
The conversion fee applies to every dollar you load, so Xapo's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $10.
ATM withdrawals: RedotPay 2%; Xapo 2% after $100 free a month.
A virtual card costs $10 with RedotPay and nothing with Xapo. A physical card costs $100 and nothing.
Cashback and rewards
RedotPay cashback: None. Xapo cashback: None.
RedotPay tiers: Standard: 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
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
RedotPay 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
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Xapo does not publish fixed spending or ATM limits.
RedotPay works with Apple Pay and Google Pay, and Xapo does not list either. RedotPay and Xapo issue a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
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: RedotPay safety check and Xapo safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC 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
RedotPay fits if Recommended
- You live outside the US and the handful of countries it excludes.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
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.
Read more: RedotPay fees and details · Xapo fees and details · RedotPay review