A crypto card that scores well on everyday use and badly on clarity

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The xPortal card does something most crypto cards still struggle with: it behaves like an ordinary payment card. You hold a Mastercard Debit, you add it to Apple Wallet or Google Wallet, you tap to pay in a shop, and the money comes out of a balance you topped up. On that everyday dimension it is the strongest card in this review. The problem is everything around it. The card’s own pages do not say who can get one, they disagree with each other about fees and limits, and the reward figure shown twice on the same page is two different numbers. I scored it 6.4 out of 10 — and the score is a fair summary of a card that is easy to use and hard to read.

The conditions described here are current as of October 28, 2026.

This is not written for someone who already owns crypto. It is written for the person who has tried to open an ordinary bank account and could not, or lives somewhere a bank will not look twice, or simply wants a card that works from a crypto balance without a five-week wait and a paperwork stack. If that is you, read on. If you already hold a mainstream debit card with no trouble at all, the honest answer at the end of this page is that xPortal adds cost and questions for very little benefit.

Score: 6.4 out of 10

Who it suits. People in the EEA who already hold EGLD or other coins and want to spend them without selling first through a separate exchange. People who cannot get a normal card. People who want to freeze the card instantly from an app when it leaves their wallet.

Who it does not suit. Anyone who needs certainty about fees before signing up — this card’s pricing lives in three documents that contradict each other. Anyone who wants a card in dollars or pounds rather than euros. Anyone who plans to run a business through it, since merchant-category restrictions are not published.

Will they give you the card?

Honestly: the card does not say. The eligibility list and the country list are not stated anywhere on the card page or in the terms. What the terms do say is a broad disclaimer that access “may not be available to you … in certain regions” — the kind of sentence that tells you a list exists somewhere without telling you where.

There are two delivery price codes on the page, “RO” and “INT”, which suggests Romania inside and international outside, but that is an inference, not a statement. Third-party sites — unofficial, and not confirmed by the card itself — say it is available in 29 EEA countries and restricted in Canada, Iran, North Korea, Switzerland, the UK and the US. That same third-party page is internally inconsistent about Germany, which is exactly the kind of detail you should not take on trust when your own address is the one at stake.

So the practical answer for the person reading this: if you are in the EEA outside the restricted list, this is probably available to you. If you are anywhere else, you are guessing. Before you commit any effort, ask support directly, in writing, whether your country of residence is supported. That one email saves you an afternoon of setup.

One more thing worth knowing about how you will be treated as a customer. Prepaid and debit cards are generally available to adults, 18 and over, and some issuers set higher limits on top of that. The card does not state its own age rule, so assume the general one applies.

How to get it

The process itself is not described in detail on the card’s pages — how long it takes, what the verification steps are, why an application might be refused, none of it is stated. What is published is the shape of the product and the price.

What you can order. Virtual cards carrying xPortal, MultiversX or Sui branding, and a physical card. The physical one is a Mastercard Debit. The currency is not stated; euro is implied by the page graphics, which is a weaker form of evidence than a sentence saying so.

What it costs. The fees PDF, for the Standard Mint Account, prices a first physical card at EUR 9,99 plus delivery of EUR 5,99 for Romania or EUR 12,99 internationally. The card page, separately, quotes delivery alone at EUR 5,99 (RO) and EUR 9,99 (INT). The two official pages do not agree. Opening and maintaining the account is free. Virtual cards are free for the first three, then EUR 3 per virtual card.

On verification. Whether KYC is required, at what levels, and how long it takes are not stated on the card page or in the terms. Unofficial reporting from a third-party site (Aug 2026) says full KYC happens before issuance: ID verification and proof of address. Treat that as a strong hint, not a promise.

The help centre does show the shape of what can be asked of you. There is a collection titled “Source of funds check” with five articles, and one titled “Why do I have to provide my tax identification number?”. If you cannot finish KYC, the help centre says to contact support by chat or at [email protected]. That address is worth writing down now rather than searching for later.

What the help centre does not tell you, anywhere I could find it: delivery time, and the cost of a replacement card. Articles on those topics exist — I could see the titles — but the answers were not readable to me.

Fees: what it really costs

Fee schedules live in several places at once, and the first thing to understand is that a crypto card has more than one kind of fee. The blockchain charges you for moving your coins. The card provider charges you for converting or loading. And your own bank charges you for the fiat on the other end. Only the middle one is this card’s.

Here is everything the card’s own documents state, gathered in one place.

The last two rows are the ones to sit with. The card page and the fees PDF are both official, and they disagree on your daily and monthly top-up ceiling and on whether daily spending is capped at all. My reading is that the fees PDF (effective 02.07.2024) is the more current document, but the card is live in 2026 and I cannot prove which one the app actually enforces. Treat the lower number as the one you can rely on until support tells you otherwise in writing.

Three ordinary payments, priced out.

*Buying lunch with euros already in your balance.* If you have funded the card with fiat and tap EUR 20 at a café, the card payment is free. No fee line. This is the clean case, and it is the one the card is built for.

*Buying lunch with crypto in your balance.* Here the 1.49% crypto purchase fee via xMoney is the number that matters — 1.49% of EUR 20 is about 30 cents — plus whatever network fee the blockchain charges for the movement, which is the chain’s fee, not the card’s. The foreign exchange fee does not apply if you are spending euros in euro.

*Spending euros in a country with a different currency.* Now the maximum 2.5% FX fee lands, applied to the exchange rate and varying by transaction type, merchant type, geography or campaigns. The card does not state how much of your monthly volume is free, or whether any is. On EUR 20 abroad, 2.5% is 50 cents. On a holiday’s worth of spending, it is real money, and it is the number to weigh before you commit.

The gambling fee deserves a mention because it is easy to miss and unpleasant to find at a checkout: payments to high-risk merchants such as gambling carry a maximum 3% with a EUR 1 minimum. And EUR 20 for an unjustified chargeback is a price worth remembering before you file one in a hurry.

Tiers, in case you were expecting them: not on the card page. “Tier 2” appears only inside an image, and cashback depends on staking. The help centre names a “Diamond Touch” upgrade and a “Plan & Benefits” collection, but I only had the titles. The fees PDF covers the Standard Mint Account and nothing else. Unofficial sources describe a tier ladder — Fresh Mint at EUR 0 (live), Eco Black at EUR 9.99/month or 99.99/year, Diamond Touch at EUR 19.99/month or 199.99/year (not launched) — but the card does not publish this, and the 5% cashback figure you may have seen belongs to tiers that are not live.

How to top up

Two routes, and the second one is the one most people will actually use.

From crypto. The card names its accepted coins: BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, SUI. Networks are not stated — and this is the single most consequential gap on this page. Which chain you send on decides whether the money arrives or disappears, because a deposit sent on a network the provider does not support, or to an address belonging to another network, can be lost or need manual recovery with no guarantee. Blockchain transfers are irreversible. Before your first transfer, get the supported networks in writing from support, and check the deposit address character by character.

From a bank card or fiat. You can top up from a debit or credit card. Per the fees PDF for the Standard Mint Account, adding fiat such as EUR is free, with a minimum top-up of EUR 10, and limits of EUR 5.000 daily and EUR 25.000 monthly across all methods. The card page quotes a crypto purchase fee of 1.49% via xMoney and lower limits of EUR 2,500 daily and EUR 10,000 monthly. Same disagreement as before.

Who pays the network fee on a crypto deposit is not stated. As a general rule in this category, on-chain fees for your deposit are charged by the blockchain, not by the card provider — but do not assume this one either; ask.

Getting money back out is not stated either. The help centre has an “xPortal Card Balance” collection and a “How do I cancel my Debit Card?” article, but the details of withdrawal were not readable to me. If being able to convert back matters to you, this is a question to ask before you fund it, not after.

One structural point about how these cards work, because it explains the limits. A card number begins with a six or eight digit issuer identification number that names the institution that issued it; the rest identifies your account. Merchants can look that up and see the issuing country, and some apply extra scrutiny when it differs from your billing address. Many crypto cards behave like prepaid cards rather than debit cards — the balance is loaded first, and the card can only spend what is already there. That is also why the top-up limits are the ceiling on your spending, and why a declined authorisation can leave a hold on your funds for several days.

Paying with it every day

This is where xPortal earns its 9 out of 10, and I want to be specific about why.

The hardware and wallets. A physical Mastercard Debit, plus virtual cards in xPortal, MultiversX or Sui branding. Apple Wallet and Google Wallet are both supported, with the logos shown on the page. Add the card to your phone’s wallet and you tap in the same way you tap any other card. Behind that, Apple Pay replaces the card number with a device-specific number stored in the Secure Element, never on Apple servers, and every payment carries a one-time dynamic code — which is a genuinely better security posture than a magnetic stripe, though it is Apple’s architecture, not the card’s.

The app. On iOS it is rated 4.8 out of 5 from 1.8K ratings as of 2026-10-20, on iPhone and iPod touch with iOS 15.1+ and Apple Vision, in 30 languages including Russian. The card page also lists Google Play and Huawei AppGallery and shows an App Store figure of “4.9” — the page’s own number, slightly above the store’s. I did not read the Google Play rating. There is more here than a card app: MultiversX ecosystem tools sit behind it, which is why EGLD features at all.

Cashback. Paid in $EGLD or $UTK depending on staking. The card page contains a direct conflict on this: one comparison table says “Up to 0,5%”, elsewhere on the same page says “Up to 5% cashback”. Unofficial reporting says only the entry tier (Fresh Mint) is live, with cashback up to 0.5%, and that the 5% belongs to higher tiers not yet launched. Read that as: the honest number is 0.5%, and the 5% is a tier you cannot yet join.

Restrictions. Blocked merchant category codes are not stated. What is stated is the high-risk merchant fee of maximum 3%, minimum EUR 1 — gambling (MCC 7995) being the example given. Many issuers block gambling outright by policy rather than by law, and the list varies by issuer; this card does not publish one, so you do not know what else is blocked until a payment fails.

Disputes. There is a help-centre article on cancelling a transaction, one on transactions you do not recognise, one on duplicates — titles only. Another article says a transaction cannot be cancelled once initiated. Time frames for raising a dispute are not stated. A chargeback is a refund your issuer orders to settle a dispute, with reason codes for fraud, duplicate billing or goods not received; the EUR 20 fee applies to unjustified ones.

What can go wrong

Absence of complaints. No Trustpilot page exists for xPortal card, and a search returned no Reddit or news reports — only unrelated results. That is genuinely good, and it is also the kind of quiet that a young product produces for a year or two. Treat the absence of complaints as “not enough time has passed”, not as a verdict.

The company behind the card is thinner than the brand. The site footer says xPortal Labs; the terms name xPortal Equity A.G. as operator of xPortal. Who the issuer and BIN sponsor is, and under what licences, is not stated on the card’s pages. Unofficial sources name Capital Financial Services S.A. (Twispay) as issuer, an electronic money institution with licence IEME-RO-0001 from the National Bank of Romania, and credit the development to MultiversX. That is a plausible structure — an EMI licensed in one EU member state can offer services across the EU/EEA — but the card does not confirm it, so confirm it yourself.

The only dated item I could find officially is the fees and limits page for the Standard Mint Account, effective 02.07.2024, and an earlier version exists. No licence or issuer events are stated. In this category that matters: Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down, and WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its programmes. Programme closures typically mean a notice period, then spending and loading stop, then you are asked to withdraw what remains. Neither network — Visa nor Mastercard — issues crypto cards to consumers itself; they license issuers and can suspend a programme.

Who holds your money is not stated. Custody of crypto is not addressed on the card’s pages. This is the question I would ask first, and it is not a technicality. Control of crypto belongs to whoever holds the private key or seed phrase. A seed phrase is typically 12 to 24 words in unencrypted form; anyone who gets it can restore the wallet and spend the funds, and because transfers are typically irreversible with no built-in recovery, the network cannot freeze or return them. Custodial platforms have a real record of failure — Mt. Gox (about US$350 million reported stolen 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). Where funds sit matters more than almost any fee on this page.

There is a partial answer at the institutional layer. EMIs must safeguard customer funds by segregating them in dedicated accounts or insuring them, but such funds are not the same as bank deposits and may not be covered by deposit guarantee schemes. Also worth knowing: US debit card reversal rights come from Regulation E and credit card rights from Regulation Z, prepaid-card coverage varies, and it should not be assumed.

Card-specific losses. A declined authorisation can leave a hold for several days, typically up to seven. Some merchants decline prepaid or foreign BINs because the lookup reveals the card type and issuer country — which is precisely why a card issued in one country can look “foreign” in another. Address Verification Service compares the billing address you type with issuer records, is mainly offered in the US, Canada and the UK, and is generally unavailable for foreign-issued cards, which can cause declines on your address. Under 3-D Secure — Visa Secure, or Identity Check on Mastercard — liability for a fraudulent online payment can shift from the merchant to your bank, or, per critics, to you.

Taxes are yours. The IRS treats digital assets as property, so exchanging them for goods, services, dollars or other digital assets generally produces a taxable gain or loss. For personal or investment holdings that is a capital gain or loss, short-term if held a year or less, measured in local fiat currency at the fair market value on the transaction date. That means each card payment funded from crypto may be a separate disposal. I am not a tax adviser and this is not tax advice — but you should know that the convenience does not come with a tax exemption.

What the card does have. Freeze and unfreeze in the app (Cards section, select the card, Freeze/Unfreeze). Card settings also offer Terminate or Replace. A 24/7 lost and stolen phone line. Support through in-app chat (Intercom), plus email for KYC problems. The help centre carries articles on “Is my money safe?”, “How does the account and card issuer keep my money secure?” and “Can I change my card limits?” — I could see the titles; the answers I could not read. Everyday safeguards worth turning on: app-based 2FA, instant freeze, spending limits, 3-D Secure confirmation and tokenised mobile wallets.

What to take instead

I scored xPortal 6.4. Here is where that sits against the three alternatives I looked at, because the useful question is not “is xPortal good” but “is xPortal good *for you*”.

MetaMask Card (7.1). Scores above xPortal and takes a different bet: it spends directly from the wallet you connect, so the funds never leave your custody. Virtual card is free with no annual or maintenance fee and issued instantly; the Metal card is $199/year, one card per user, issued by Monovate with Crypto Life as card provider. Fees are described as “minimal” with no additional MetaMask fees and no foreign transaction fee, but the amount is not stated on the pages I read — the same opacity problem as xPortal, at a higher price for the physical card. Cashback is in mUSD: 1% on Virtual, 3% on Metal capped at the first $10,000 spent then 1%, plus a $FLY bonus through the Blackbird dining app. Networks: Linea, Base, Monad, Solana, with tokens including mUSD, wETH, EURe, GBPe, USDC and USDT. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with proof of residency required, other regions on a waitlist, and US and UK sign-ups temporarily closed per the FAQ. The stated principle is useful: “Ineligible regions limit sign-ups, not spending.”

KAST (6.1). The most transparent pricing of the four, which is worth something when xPortal’s own pages contradict each other. Stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0%; FX 0.5%–1.75% depending on your residence country, transaction country and card programme; non-USD transactions under USD 25 cost USD 0.10; a declined transaction for insufficient balance costs USD 0.50. Annual membership: Standard 0 USD, Premium 1,000 USD, Private 10,000 USD, billed annually upfront with no monthly option. Cashback in USD: 1.5% on the first 2,000 USD/month (Standard), 2% on the first 10,000 (Premium), 3% on the first 40,000 (Private). What puts it below xPortal on my list is onboarding: residence is checked at KYC against a country list that is not published, and citizenship matters — living in a supported country while holding an ID from a restricted region can still make you ineligible, dual citizens may pass with a supported ID, and a VPN does not bypass it. An account can be created in an unsupported country with KYC permanently locked.

TokenPocket (5.8). Lowest of the four here. A Visa debit for a list of European countries and territories including Germany, France, Spain and Switzerland; a Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, among others, with the Americas “planned for Q2 2025”. Runs on Arbitrum, with balances in EUR24 and USD24. The fee structure is the weak point: a 1% fee on depositing cryptocurrency, refunded later “through rewards, reduced transaction fees, etc.”, and no stated FX fee — though extra fees can come from inter-institution settlement. No cashback is stated directly.

One note on what sits underneath all four. The card network sets the rules, the issuer holds the programme under that network’s licence, and the crypto brand is often only a programme manager or front end. A card is a payment service regulated under e-money and payment-services law; the crypto side (custody, exchange, transfer) is regulated separately under MiCA, so a crypto card often depends on two licences. In the EU, MiCA took legal effect in June 2023, with rules on asset-referenced and e-money tokens applying from 30 June 2024 and the remaining provisions, including CASP rules, from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution. The transitional period lets providers already operating under national law continue only until 1 July 2026, or until they are authorised or refused. ESMA keeps an interim register of authorised CASPs, white papers and non-compliant entities — a provider worth checking before you fund it.

Who I would recommend it to

Recommend it, without much hesitation, if: you live in the EEA outside the restricted list, you already hold EGLD or coins this card accepts, and you want to tap a card in a shop without selling to an exchange first. You value the app — 4.8 out of 5 from 1.8K ratings is a genuinely good showing — and the ability to freeze the card the second it leaves your wallet. You live in euros. You are comfortable that the cashback is 0.5% and not 5%, and that you will pay 1.49% when you buy crypto through xMoney and up to 2.5% when you spend abroad.

Do not choose it, or choose something else, if: you are outside the EEA — you have no reliable answer on eligibility. You want fees you can predict from a single document — you have three, and they disagree. You need dollars or pounds. You plan to run a merchant or gambling spend through it. You need to convert back to your bank on demand and want to know how. Or you simply want the cheapest way to spend crypto, because the ATM and FX numbers are not the sharpest in this category.

My honest overall position. The card works. That is not a small thing, and in this category products that work are still rarer than the marketing suggests. But a working card you cannot fully understand is a working card with a tail risk attached, and the tail here — who holds the money, which chain your deposit lands on, which of the three limit figures is real — is documented nowhere on the card’s own pages. Send three questions to support before you fund it: which networks do you support for deposits, who is the issuer and what is the licence, and which daily and monthly top-up limit is enforced today. If the answers come back clearly, this is a 7 out of 10 card with the documentation catching up. If they do not, it stays where I put it.

Frequently asked questions

What is the xPortal card?

The xPortal card is a payment card that spends a crypto balance. You get virtual cards in xPortal, MultiversX or Sui branding plus a physical Mastercard Debit, funded from coins such as BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI, or from fiat added through xMoney. It sits inside the wider MultiversX ecosystem app rather than being a standalone banking product, and cashback is paid in $EGLD or $UTK.

Is xPortal a bank?

No — it is not a bank, and the card’s pages do not describe it as one. The operator named in the terms is xPortal Equity A.G., with xPortal Labs in the site footer. Unofficial sources name Capital Financial Services S.A. (Twispay) as the issuer, an electronic money institution licensed by the National Bank of Romania under IEME-RO-0001. The card itself does not state the issuer or its licence, which is a fair question to ask.

Who owns xPortal?

Two names appear officially: xPortal Labs in the website footer, and xPortal Equity A.G. in the terms as the operator of xPortal. Unofficial reporting credits development to MultiversX, the blockchain behind EGLD, which is also why MultiversX-branded virtual cards exist alongside xPortal and Sui ones. Ownership beyond the operator is not stated on the card’s pages.

Is the xPortal card available in my country?

The card does not say. No country list or eligibility rule is published on the card page or in the terms, which only note that access “may not be available to you … in certain regions”. Unofficial sites report 29 EEA countries with Canada, Iran, North Korea, Switzerland, the UK and the US restricted — and that same source contradicts itself about Germany. Ask support in writing before you start.

How much does the xPortal card cost?

Issuing and maintaining the account are free. Delivery is quoted as EUR 5.99 in Romania and EUR 9.99 internationally on the card page, while the fees PDF lists the first physical card at EUR 9,99 plus EUR 5,99 (Romania) or EUR 12,99 (international). Virtual cards are free for the first three and EUR 3 each after. Buying crypto costs 1.49% and the foreign exchange fee is a maximum 2.5%.

Does the xPortal card require KYC?

It almost certainly does, but the card’s own pages do not state it. Unofficial reporting from Aug 2026 describes full KYC before issuance, with ID verification and proof of address. The help centre shows the shape of it: a “Source of funds check” collection with five articles and one on providing a tax identification number, plus advice to contact support by chat or at [email protected] if you cannot finish.

How do I top up the xPortal card?

Two ways. From crypto — BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI, though the card does not state which networks are supported, which is the detail to confirm before transferring. Or from a debit or credit card, or by adding fiat such as EUR, which the fees PDF lists as free with a EUR 10 minimum. Daily and monthly top-up limits differ between the two official documents.

Can I use the xPortal card with Apple Wallet?

Yes. Apple Wallet and Google Wallet are both supported, with the Apple Pay and Google Pay logos shown on the card page. The physical card is a Mastercard Debit, so it tokenises into the phone’s wallet like any other card, and each tap uses a one-time dynamic code. It is also available on Google Play and Huawei AppGallery alongside iOS.

What are the xPortal card’s fees and limits?

Card payments are free. The crypto purchase fee via xMoney is 1.49%. The foreign exchange fee is a maximum 2.5% applied to the exchange rate. ATM withdrawals are free up to EUR 200 a month, then 2% plus EUR 1, with limits of EUR 500 daily and EUR 2.500 monthly. Payments to high-risk merchants such as gambling cost a maximum 3% with a EUR 1 minimum, and an unjustified chargeback costs EUR 20.

Is the xPortal card safe to use?

There is no track record of complaints to worry about — no Trustpilot page, and no Reddit or news reports surfaced — and the app is rated 4.8 out of 5 on the App Store from 1.8K ratings. It offers in-app freeze and unfreeze, Terminate or Replace, and a 24/7 lost and stolen line. What it does not state is who holds custody of the crypto, which is the question worth pressing them on before you fund it.

Content created by the «cryptocardtested» team