xPortal Card
- Beautiful intuitive app interface
- Large active community
- No cashback without staking
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1% |
| Highest Cashback | up to 5% |
| Entry-Level Cashback | 0.2% |
| Entry-Level Cashback Monthly Cap | 10 EUR |
| Daily Spending Limit | Unlimited |
| Daily ATM Withdrawal Limit | 500 EUR |
| Foreign Exchange Fee | 2.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | BitcoinDogecoinEthereumMultiversXPolygon |
| Supported Countries | AustriaBelgiumBulgariaCyprusCzechiaGermanyDenmarkEstoniaSpainFinlandFranceGreeceCroatiaHungaryIrelandIcelandItalyLiechtensteinLithuaniaLuxembourgLatviaMaltaThe NetherlandsNorwayPolandPortugalRomaniaSwedenSloveniaSlovakia |
| Supported Cryptocurrencies | BTCDOGEEGLDETHLINKMATICPEPESHIBUNIUSDCUSDT |
xPortal Card: Seamlessly Spend Your Crypto in Everyday Life
xPortal Card Benefits and Rewards
Here are the benefits and rewards offered by xPortal for their cardholders:
Fresh Mint |
Eco Black |
Diamond Touch |
|
| Monthly Fee | €0.00 EUR | €9.99 EUR | €19.99 EUR |
| Cashback | up to 0.5% | up to 2% | up to 5% |
| Spotify | |||
| Netflix | |||
| Airport Lounges | |||
| Travel Insurance |
To qualify for cashback with the Fresh Mint card, you will have to stake some EGLD (MultiversX Token):
| Required EGLD Holdings | Cashback Rewards | Monthly Reward Limit |
| 5 EGLD
(~100 EUR¹) |
0.1% | €5 |
| 25 EGLD
(~300 EUR¹) |
0.2% | €10 |
| 100 EGLD
(~1,200 EUR¹) |
0.3% | €15 |
| 500 EGLD
(~5,600 EUR¹) |
0.4% | €20 |
| 2000 EGLD
(~22,200 EUR¹) |
0.5% | €30 |
Reality Check While xPortal Card promotes up to 5% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.2% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| xPortal Card | Industry Average1 | |
| Entry Level Cashback | 0.2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 35 EUR |
xPortal Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
xPortal Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use.
It should be noted that xPortal doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get xPortal Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 23 EUR | Cost to Order: 0 EUR |
You will find the physical xPortal Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of xPortal Card
| Card Issuer | Capital Financial Services (Twispay) |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 51623181 |
| Validity Period | 3 years |
| Issuing Country | Romania |
Crypto-to-EUR Conversion Cost with xPortal Card
xPortal Card Requires Pre-Load
Before you can use your xPortal Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 1% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1% |
Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with xPortal Card is much more cost-effective (~1%). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does xPortal Card Compare to Other Crypto Cards?
xPortal Card ranks #19 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, xPortal Card ranks #5 out of 15 amongst Non-Custodial Crypto Cards.
We compared xPortal Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of xPortal Card against its 42 competitors:
- Offers impressive maximum cashback of up to 5% (other cards have an average of 4%).
- Has Unlimited daily spend allowance, a rarity in the industry (other cards have 25,000 EUR limit on average).
- Their customer service is very good with a 8.8/10 score (others score only 7.6/10 on average).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~1% (versus an average of ~1.8% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 8/10 (average fees & limits structure rating amongst other cards is 5.7/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of xPortal Card:
- Limits entry-level cashback to 10 EUR per month (while other cards have 35 EUR average monthly cap for the base tier).
- Lesser-known company with a 3.5/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
xPortal Card vs. Utorg Card vs. Gnosis Card
xPortal Card
|
Utorg Card
|
Gnosis Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1% | ~0.5% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | up to 5% | None | up to 5% |
| Entry-Level Cashback | 0.2% | None | 2% |
| Daily Spending Limit | Unlimited | 50,000 EUR | 8,000 EUR |
| Daily ATM Limit | 500 EUR | N/A (Virtual-Only Card) | 500 EUR |
| Foreign Exchange Fee | 2.5% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 11 | 5 | 2 |
| Apple Pay | Enabled | Enabled | Not Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. xPortal Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Utorg Card and Gnosis Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both xPortal Card and Gnosis Card offer solid cashback rewards of up to 5%. With Utorg Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
xPortal Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your xPortal Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with xPortal Card will cost you a total of ~9.96 EUR (5% of 200 EUR), resulting in a final cash withdrawal of 190.04 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 2 EUR.
Doesn't xPortal Card Offer Free ATM Withdrawals?
Yes, xPortal offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 4.96 EUR, reducing your local ATM withdrawal cost to around 5 EUR, compared to the standard cost of approximately 9.96 EUR.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your xPortal Card, here's what it will look like:
For an international withdrawal using your xPortal Card with an initial 200 EUR in ETH, you'll incur fees totaling ~20.85 EUR (10.4% of 200 EUR), leaving you with 179.15 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, xPortal Card is more expensive for both local and international ATM withdrawals:
| Cost with xPortal Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~10 EUR (5% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~20.8 EUR (10.4% of 200 EUR) | ~18.6 EUR (9.3% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested xPortal's Customer Support
We asked xPortal's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
xPortal offers support via the following channels:
| Chat | https://help.xportal.com/ |
| [email protected] | |
| Telegram | https://t.me/xPortalApp |
Location: xPortal customer service reps are located in 
Portugal and 
Romania.¹
| Support Channel | Our Interaction | Score |
Email (replied in 4 h 54 min) | Friendly personalized response to a question about card eligibility. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Telegram (replied in 8 min) | Quick to the point reply from a community member. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 2 d 13 h ) | Concise but helpful reply to a question about supported cryptocurrencies. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 21 h 20 min) | Helpful and detailed answer to several questions regarding ATM fees. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 2 h 41 min) | Quick, to the point response about crypto to fiat conversion fee. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: xPortal's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: You will not get addressed by name and answers to your questions will be generic. xPortal's customer support agents do not make an effort to personalize their replies.
Reply Speed: Response times are inconsistent, ranging from as quick as 8 minutes to as slow as 3 days.
Overall Customer Service Rating: 8.8/10
This excellent score places xPortal's Customer Service well above the crypto card industry average of 7.2/10.
xPortal Referral Code - to Get 5 USD Bonus
You can use referral code iw9oyandln to get 5 USD bonus when you create an account on xPortal platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you in EGLD (MultiversX), right after you buy your first 100$ worth of EGLD.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
xPortal Card supports 30 countries
Is xPortal Card Available for Residents of United States?
No, xPortal Card is not available for residents of United States.
xPortal Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, The Netherlands.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
That Helps. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
