xPortal Card

#12 (out of 35) in Crypto Cards
#9 (out of 25) in Crypto Cards for Europe
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7.1
Overall Rating
CRITERIA:
Company Strength
6
Fee Structure
6.4
Customer Service
8.8
PROS:
  • Beautiful intuitive app interface
  • Large active community
CONS:
  • No Apple Pay yet
  • No cashback without staking
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee

0.5%

Crypto to Fiat Crypto->Fiat Conversion Fee

1.04%

Highest Cashback

up to 5%

Entry-Level Cashback

0.2%

Entry-Level Cashback Monthly Cap

10 EUR

Daily Spending Limit

5,000 EUR

Daily ATM Withdrawal Limit

500 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported Cryptocurrencies
xPortal Card: Seamlessly Spend Your Crypto in Everyday Life

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

(~300 EUR¹)

0.1% €5
25 EGLD

(~1,500 EUR¹)

0.2% €10
100 EGLD

(~5,700 EUR¹)

0.3% €15
500 EGLD

(~28,500 EUR¹)

0.4% €20
2000 EGLD

(~113,700 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, slightly:

xPortal CardIndustry Average1
Entry Level Cashback0.2%1%
Entry Level Cashback Monthly Cap10 EUR20 EUR

xPortal Card is a Debit Card

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 real-life currency and moving it to the card account, to make it available for spending.

It Comes in Both Physical and Virtual Forms

You can get xPortal Card in both physical and virtual versions, a feature only available with 50% 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical xPortal Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does xPortal Card Compare to Other Crypto Cards?

xPortal Card ranks #9 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to xPortal Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of xPortal Card against its 24 competitors :

  • Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
  • Their customer service is very good with a 8.8/10 score (others score only 7.1/10 on average).
  • You can get both a physical card and a second virtual card (while 50% of competing crypto cards offer only one type - either physical or just virtual).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of xPortal Card:

  • Apple Pay isn't enabled (while 60% of competing crypto cards have it).
  • Daily spend is capped at 5,000 EUR (while other cards offer 11,000 EUR daily spend limit on average).
  • Limits ATM widthdrawals to 500 EUR per day (average amongst other cards is 1,000 EUR).
  • Supports only 1 cryptocurrency, EGLD - MultiversX (while other cards support an average of 20).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
  • xPortal Card vs. KuCoin Card vs. Nexo Card

    xPortal Card
    KuCoin Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.83 EUR 0.00 EUR
    Foreign Exchange Fee 0.5% 2% 0.5%
    Crypto to Fiat Fee 1.04% 0.2% 0.0%
    Highest Cashback up to 5% None up to 2%
    Entry-Level Cashback 0.2% None 0.5%
    Daily Spending Limit 5,000 EUR 20,000 EUR 10,000 EUR
    Daily ATM Limit 500 EUR 700 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 1 1 64
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Great Average Great
    Company Strength Medium Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KuCoin Card offers the highest daily spending limit of 20,000 EUR. You will get lower daily limits with xPortal Card and Nexo 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. Out of the three, xPortal Card offers the best cashback rewards of up to 5%. The cashback rewards for Nexo Card are not as high. With KuCoin 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:

You're at a local ATM and have:
3.5194 EGLD (200 EUR)
-2.08 EUR
xPortal Crypto-to-Fiat Conversion Fee: 1.04%
-4.96 EUR
xPortal ATM Withdrawal Fee: 1 EUR + 2%
-3 EUR
ATM Operator Fee: ~3 EUR
189.96 EUR

Starting with an initial amount of 200 EUR in EGLD, the ATM withdrawal with xPortal Card will cost you a total of ~10.04 EUR (5% of 200 EUR), resulting in a final cash withdrawal of 189.96 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?

No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.

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:

You're at an international ATM and have:
3.5194 EGLD (200 EUR)
-2.08 EUR
xPortal Crypto-to-Fiat Conversion Fee: 1.04%
-4.96 EUR
xPortal Intl ATM Withdrawal Fee: 1 EUR + 2%
-0.99 EUR
xPortal Foreign Exchange Fee: 0.5%
-1.98 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.96 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 180.95 EUR)

For an international withdrawal using your xPortal Card with an initial 200 EUR in EGLD, you'll incur fees totaling ~16.97 EUR (8.5% of 200 EUR), leaving you with 180.95 EUR in the equivalent foreign currency.

Reality CheckOverall, xPortal Card is more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:

Cost with xPortal CardCost with Other Cards
Local ATM Withdrawals~10 EUR (5% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~17 EUR (8.5% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 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 7.4% 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:

Chathttps://help.xportal.com/
Emailwallet@twispay.com
Telegramhttps://t.me/xPortalApp

Location: xPortal customer service reps are located in Portugal flagPortugal and Romania flagRomania.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 7.1/10.

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:

xPortal referral code

Your bonus will be paid out to you in EGLD (MultiversX1), 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. 🙏🤗

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, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

To see our list of available crypto cards for United States, see this list. There are currently 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Excellent. What's My Next Step?

Paulina Masson

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.

⭑cryptonoshi
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