Yearly cost at three spending levels
| Monthly spend | Xapo | Tria |
|---|---|---|
| $500 | $1,024 Membership | -$29 Lite (virtual) |
| $2,000 | $1,024 Membership | -$119 Lite (virtual) |
| $5,000 | $1,024 Membership | -$119 Lite (virtual) |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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 | Xapo Membership | Tria Lite (virtual) |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | $24 | $36 |
| Annual, monthly and subscription fees | $1,000 | $25 |
| Cashback | -$0 | -$180 |
| Yearly cost | $1,024 | -$119 |
Fees
Xapo charges 0% to convert or top up and 0% on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: Xapo 2% after $100 free a month; Tria 1% + $1.
A virtual card costs nothing with Xapo and nothing with Tria. A physical card costs nothing and nothing.
Cashback and rewards
Xapo cashback: None. Tria cashback: 1.5% to 6%.
Xapo tiers: Membership: 0%.
Tria tiers: Lite (virtual): 1.5% on the first $1,000 a month; Pro (plastic, $109 a year): 4.5% on the first $2,000 a month; Max (metal, $250 a year): 6% on the first $2,000 a month.
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.
Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Tria renamed its tiers Lite, Pro and Max. Above the monthly spend cap the rate drops to 0.5% on Lite and 1% on Pro and Max, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The Pro and Max subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.
Availability and KYC
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Tria is offered in 223 countries and territories and excludes 26, including India.
Xapo needs full KYC and Tria needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Xapo does not publish fixed spending or ATM limits.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
Xapo does not list Apple Pay or Google Pay support, and Tria works with Apple Pay and Google Pay. Xapo and Tria issue a virtual card you can use straight away.
Custody and safety
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.
Tria scores 52/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2026-08-28: An attacker exploited an authorization flaw in an older version of Rain's Solana card contract, which Tria's card programme used, and made $431,945 of unauthorized withdrawals affecting 636 Tria customers. Tria reimbursed affected users in full plus an extra 10%, and Rain says every programme on the vulnerable contract was upgraded. The same exploit hit Avici; about $1.1 million was taken across Rain-powered programmes. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions. The August 2026 Rain contract exploit is recorded under incidents.
Full reports: Xapo safety check and Tria safety check.
About each card
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.
Which card fits you
Xapo fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Tria fits if
- You want to keep crypto in your own wallet until each payment.
- You live outside the US and the handful of countries it excludes.
- You want a higher cashback ceiling (up to 6%).
Read more: Xapo fees and details · Tria fees and details · Tria review