Trustee Plus Card vs Xapo Card
The short answer
Winner: Trustee Plus Card — 7/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Trustee Plus Card
KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
1.5%
2%
FX fee
Free
Free
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$750k
Monthly limit
Unlimited
$300k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
1%
0.1%
ATM per transaction
Unlimited
$800
Network
mastercard
visa
IBAN
✓
✓
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
20
41
Coins
BTC, ETH, SOL, TON, USDC, USDT, XRP
BTC, USDC, USDT
Trustee Plus Card vs Xapo Card FAQ
On our composite score Trustee Plus Card edges ahead (7/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.