Cryptopay Card vs Xapo Card
The short answer
Winner: Xapo Card — 6/10 versus 4.6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Cryptopay Card
KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
$1
Free
Cashback
0%
1%
ATM fee
2.5%
2%
FX fee
3%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$30k
$750k
Monthly limit
Unlimited
$300k
KYC
KYC
KYC
Card type
Prepaid
Debit
Custody
Custodial
Custodial
Conversion fee
1.95%
0.1%
ATM per transaction
$200
$800
Network
visa
visa
IBAN
✗
✓
Apple Pay
✗
✗
Google Pay
✗
✗
Countries
17
41
Coins
BTC, ETH, MATIC, USDC, USDT, XRP
BTC, USDC, USDT
Cryptopay Card vs Xapo Card FAQ
On our composite score Xapo Card edges ahead (6/10 vs 4.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.