A prepaid crypto card with a free physical option and one honest fee table

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The xPortal card is a spending card tied to a MultiversX-ecosystem wallet: you load it, and it behaves like an ordinary Mastercard Debit in shops, online and at cash machines. That is the good news, and it is genuine — virtual cards, a physical card, Apple Wallet and Google Wallet, and up to EUR 500 a month in cash are all part of the picture rather than a roadmap.

I put it at 6.4 out of 10. That is not a bad score; it is a card that does the basic job competently and leaves several things unstated on its own public pages. For everyday use it is the strongest part of the offer — I scored that 9 out of 10. For who can actually get one, how you fund it, and what the official fee document really says, the picture is thinner and, in places, contradictory. The card’s own public pages do not state several things a person needs before applying, and I will point to each of those rather than fill the gap with a guess.

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

Verdict: a competent prepaid crypto card with real gaps in what it publishes

Six point four. The number is an average of six criteria, and the shape of that average matters more than the total: this is a card that works well day to day and tells you comparatively little about who it serves and how it checks you.

Let me show you the breakdown, because the spread is the story.

Who this suits: residents of the EEA who want to pay with EGLD and other coins without moving everything to an exchange first, and who are comfortable holding a balance on a prepaid model rather than a bank debit. It is a reasonable companion to a MultiversX wallet, not a general-purpose banking replacement.

Who it does not suit: anyone who needs a bank account in their own name with deposit-guarantee protection; anyone in a country outside the EEA, particularly the US, the UK, Switzerland, Canada, Iran or North Korea, where availability is described as restricted; and anyone who wants the cashback figure to mean one specific number.

Two cautions before you read on. First, several official pages disagree with each other — the daily spending limit is one example, and so is the cashback rate. I flag each conflict where it appears rather than choosing a side. Second, where a fact here comes from a third-party site rather than the card, I say so. Those lines are useful leads, not confirmed facts.

Will they give you the card?

Short answer: probably, if you are in the EEA — but the card does not publish the list that would let you check.

The eligibility rules and the country list are not stated on the card’s pages or in its terms. What the terms do say is that access “may not be available to you … in certain regions”, which is a standard hedge rather than a usable rule. The one concrete geographic signal on the card is the delivery pricing, which distinguishes “RO” (Romania) from “INT” (international).

That leaves unofficial reporting. A third-party review site (CryptoCardHub, August 2026) describes availability in 29 EEA countries, with Canada, Iran, North Korea, Switzerland, the United Kingdom and the United States restricted. The same source is internally inconsistent about Germany, which is worth noting because Germany is an EEA member — that inconsistency is exactly why I would not treat the list as settled.

So how do you answer “can I use xPortal in my country?” Honestly: you probably can if you live in the EEA and are not in one of the restricted countries, and you should confirm inside the app before ordering a physical card. The card’s app is the only live answer, because no list exists to check against.

How to get it

The card page does not describe the KYC process at all — levels, processing time and reasons for rejection are not stated on the card page or in the terms.

An unofficial source (CryptoCardHub, August 2026) describes full KYC before issuance: ID verification and proof of address. That is the normal shape for a regulated European issuer, but treat it as reporting rather than as a promise.

What you get is a choice of virtual cards — branded xPortal, MultiversX or Sui — and a physical card, described as a “Mastercard Debit”. The card currency is euro, implied by the page graphic rather than stated in words.

Two helpful touches in the help centre, though only as titles: if you cannot finish KYC, support can be reached by in-app chat or at [email protected], and there are help articles on a “Source of funds check” and on “Why do I have to provide my tax identification number?” The second tells you a tax ID may be requested, which is not unusual for EU due diligence but is more than the card page mentions.

If you get stuck at verification, the route the card itself points to is support, not a workaround — and no legitimate route around identity checks exists, by design.

Fees: what it really costs

The card’s own fee document is the most useful thing here, and it is more precise than the marketing page in some places and vaguer in others. Here is the consolidated picture, with each value traceable to the card’s published material.

Now let me put that against three everyday payments, because a percentage means nothing until you know what it applies to.

A EUR 20 lunch. Card payments are free, so this costs you nothing at the point of payment — provided you already hold the balance. The currency fee only applies if the merchant charges in a currency other than the euro, and it applies to the exchange rate itself, not as a separate line item, which is why the maximum 2.5% matters if you eat abroad often.

A EUR 30 online subscription in dollars. Here the currency fee can bite. At the stated maximum of 2.5%, a EUR 30 charge would cost up to EUR 0.75 in currency fee on top. The card says the exact rate depends on transaction type, merchant type, geography or campaigns, so you cannot predict the number in advance, only the ceiling.

Buying EUR 50 of crypto through the app to top up. This is the one fee people forget: 1.49%, so EUR 0.75 on EUR 50. If you were going to buy crypto anyway and simply wanted it loaded onto a card, that is the price of convenience.

Two things here are worth pausing on. The monthly or annual fee is not stated — the fee document covers only the “Standard Mint Account”, and it says opening and maintaining the account is free, but if higher tiers exist the running costs there may differ. And the daily spending limit differs between two official pages: the fee document says “No limit” for card spending including POS, e-commerce and ATM, while the card page says EUR 5,000 per day. The split of limits by KYC level is not stated anywhere I could find. Where two official pages disagree, the one I would trust for planning is the more conservative figure.

How to top it up

You fund the card with crypto or with fiat. The named coins are BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA and SUI. The networks on which those transfers must be sent are not stated, and that omission has real consequences — a deposit sent on a network the provider does not support can be lost, because blockchain transfers are irreversible.

Stablecoins are also not named among the top-up coins on the card page, which is worth noting when you compare with cards built explicitly around dollar tokens.

The fee document for the Standard Mint Account (effective 02.07.2024) adds the detail: adding fiat such as EUR is free, the minimum top-up is EUR 10, and the limits are EUR 5,000 daily and EUR 25,000 monthly across all methods. The card page gives different figures — EUR 2,500 daily and EUR 10,000 monthly — and a crypto purchase fee of 1.49% when you buy through xMoney. Two official numbers again; the lower pair is the safer planning assumption.

Who pays the network fee for a crypto deposit is not stated. In this category that cost is normally the blockchain’s, charged on top of the card’s own fee — but I will not state a number the card does not publish.

Withdrawal of a balance is also not described on the card page. The help centre has articles on cancelling the debit card, on an “xPortal Card Balance” collection and on “Locked or Closed Accounts” — titles only, no answers read.

Paying with it every day

This is where the card scores highest, and the reason is simple: it does the ordinary things without drama.

You can hold virtual cards and a physical Mastercard Debit, and add the card to Apple Wallet and Google Wallet — the Apple Pay and Google Pay logos appear on the page. The merchant category codes that are blocked are not stated, so I cannot tell you which shops refuse it.

Cash machines work, and that is often the detail that decides whether a crypto card is practical. Here is the conflict in the card’s own material: the card page says withdrawals of up to EUR 500 per month, while the fee document sets the ATM limit at a maximum of EUR 500 per day and EUR 2,500 per month, with the first EUR 200 of monthly withdrawals free. The two cannot both be the ceiling. Plan on the conservative reading.

Cashback is where I would be most cautious. The comparison table says “Up to 0,5%”, elsewhere on the same page it says “Up to 5% cashback”, and cashback is paid in $EGLD or $UTK depending on staking. Tier definitions are not stated on the card page — “Tier 2” appears only inside an image — and the help centre names a “Diamond Touch” upgrade and a “Plan & Benefits” collection without publishing the terms. An unofficial source (CryptoCardHub, August 2026) reports that only the entry tier is live with cashback up to 0.5%, and that the 5% figure belongs to higher tiers that are not live. Treat 0.5% as the realistic number and 5% as an aspiration.

App quality is genuinely good by the numbers. On iOS the App Store rating is 4.8 out of 5 from 1.8K ratings (read 2026-10-20), the card page shows 4.9, and the app supports 30 languages including Russian on iPhone, iPod touch with iOS 15.1+, and Apple Vision. Google Play and Huawei AppGallery are also listed, though the Play rating was not read.

If a payment goes wrong, the fee document charges EUR 20 per unjustified chargeback, and the help centre has articles on cancelling a transaction, on recognising an unfamiliar transaction and on duplicate charges. Time frames are not stated. One article notes that a transaction cannot be cancelled once initiated, which is the normal reality of card payments.

What can go wrong

Every category risk applies to this card, and a few apply particularly sharply.

Rules change and programmes close. Visa and Mastercard do not issue crypto cards themselves — they license issuers and can suspend a programme. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended in Europe in 2018. Closures typically mean a notice period, then spending and loading stop, then you are asked to withdraw. One reported 2026 closure — new loads ending 8 July 2026, spending stopping 8 August 2026 — comes from a single secondary source and is unconfirmed.

Custody is the question you cannot answer from the card. Whether the card is custodial or self-custody-linked is not stated. If a provider holds your keys, you must trust it completely: Mt. Gox (about US$350 million reported stolen 2011–2014), Coincheck (about US$400 million in 2018) and Ronin Network (US$625 million in 2022) are the historical reminders of what that trust costs. If the funds stay in your own wallet, the risk moves to you — key loss, phishing, and clipboard-hijacking malware that swaps a copied address.

Wrong network, gone money. Transfers are irreversible. Deposit on an unsupported network or to an address of another network and recovery is a support request with no guarantee.

Merchant declines. A merchant can look up the BIN and see which institution and country issued the card, and apply extra scrutiny when that differs from your billing address — this is why a card issued in one country can look foreign. Some merchants decline prepaid or foreign BINs for exactly that reason. Address Verification is mainly a US, Canada and UK mechanism and is generally unavailable for foreign-issued cards.

Security. The app lets you freeze and unfreeze the card, and card settings offer Terminate or Replace. A lost or stolen card has a 24/7 phone line, +40212026944. Under 3-D Secure, liability for fraudulent online payments can shift from merchant to your bank — or, per its critics, to you. Whether funds are safeguarded the way e-money institutions must safeguard them — segregated accounts or insurance, not bank deposits, and not covered by deposit guarantee schemes — the card does not say, and the help centre’s “Is my money safe?” article was not read.

Company. The site footer names xPortal Labs; the terms name xPortal Equity A.G. as operator. Issuer, BIN sponsor and licences are not stated officially. Unofficial reporting (CryptoCardHub, August 2026) names Capital Financial Services S.A. (Twispay) as issuer, holding electronic money institution licence IEME-RO-0001 from the National Bank of Romania, and credits the development to MultiversX.

Complaints. No Trustpilot page was found for the xPortal card, and searches returned no Reddit or news reports — only unrelated results. The App Store rating of 4.8 from 1.8K ratings is the strongest public signal. Unofficial reviews do note slow support response times as a user complaint. The only dated official item I found is the fee and limits page for the Standard Mint Account, effective 02.07.2024, in an earlier version of which exists — no licence or issuer events are stated officially.

And the tax point, which is not the card’s fault but lands on you. The IRS treats digital assets as property, so paying with crypto generally produces a taxable gain or loss measured in local fiat at the fair market value on the transaction date — each card payment funded from crypto may be a separate disposal. That is not advice; it is a reason to keep records.

What to take instead

I looked at three alternatives. Here is how they compare on the things that decide it.

Where each one wins:

• MetaMask is the strongest of the four overall, largely because it publishes the most: 45 sign-up countries, exact cashback, a clear free tier. Its catch is the $199/year Metal card and a waitlist outside the listed regions.
• KAST is the most explicit about costs — 0% top-up, 0% spend in USD, and a single non-USD FX fee of 0.5%–1.75% — but it prices its top tiers in four and five figures a year, which is a club membership, not a spending tool.
• TokenPocket is the weakest on disclosure here: a 1% deposit fee and little else stated, with its Americas rollout described only as planned.
• xPortal sits between them: a genuine physical and virtual Mastercard, a well-liked app, and nine named coins — but country rules, KYC levels, tiers and withdrawal are all unstated.

If your priority is a card you can predict the cost of, read the alternatives’ published fee tables against xPortal’s two conflicting pages and see which one you can plan with.

Who I would recommend it to

I would recommend the xPortal card to someone who already holds EGLD or the other named coins, lives in the EEA outside the restricted countries, and wants a card that spends that balance in shops, in apps and at cash machines without first moving everything onto a central exchange. The app rating backs that up, the wallets are supported, and card payments themselves are free.

I would not recommend it as a first crypto card, and not as a bank substitute. The reasons are the ones above rather than any defect in the product: the country list is unpublished, the KYC process is undescribed, the cashback figure contradicts itself, the spending limit differs between two official pages, and the withdrawal process is not documented. Someone whose first question is “what exactly will this cost me and what happens if something goes wrong” will not find those answers written down.

The practical version of my advice: read the fee document, not the marketing page; treat 0.5% cashback as the real figure; assume the lower of any two conflicting limits; and confirm availability inside the app before you order anything physical. If you need certainty on cost and eligibility, one of the alternatives that publishes both will serve you better — and if you need your own name on a bank account with deposit protection, no crypto card gives you that.

Frequently asked questions

What is the xPortal card?

The xPortal card is a prepaid-style payment card connected to a MultiversX-ecosystem wallet. You load a balance — by crypto transfer or by buying through xMoney — and spend it as a Mastercard Debit, virtually or on a physical card, in shops, online, through Apple Pay and Google Pay, and at cash machines up to stated limits. The operator named in the terms is xPortal Equity A.G.

Is xPortal a bank?

Not on the evidence available. The terms name xPortal Equity A.G. as the operator, and the issuer and its licences are not stated on the card’s public pages. Unofficial reporting (CryptoCardHub, August 2026) identifies Capital Financial Services S.A. (Twispay) as issuer under electronic money institution licence IEME-RO-0001 from the National Bank of Romania. An e-money institution is not a bank, and safeguarded client funds are not bank deposits.

Who owns xPortal?

The site footer names xPortal Labs, and the terms name xPortal Equity A.G. as operator of the service. Unofficial reporting credits development to MultiversX, the team behind the Elrond-derived EGLD token that the card is built around. Ownership structure beyond those names is not stated on the pages I read.

Which countries is the xPortal card available in?

Officially, the list is not stated — the card’s pages give no eligibility list and only say access “may not be available to you … in certain regions”. An unofficial source describes 29 EEA countries, with Canada, Iran, North Korea, Switzerland, the UK and the US restricted, and is internally inconsistent about Germany. Delivery pricing distinguishes Romania from international only.

How do I get the xPortal card?

You sign up in the app and request a virtual card, which is available in xPortal, MultiversX or Sui branding; a physical Mastercard Debit can then be ordered with delivery at EUR 5.99 in Romania or EUR 9.99 internationally on the card page. The fee document lists the first physical card at EUR 9,99 plus delivery, and the first three virtual cards are free. Application steps and processing times are not stated.

Does xPortal require KYC?

The card page and terms say nothing about KYC — levels, timing and rejection reasons are all unstated. Unofficial reporting (CryptoCardHub, August 2026) describes full KYC before issuance, with ID verification and proof of address. The help centre references a “Source of funds check” and asks why a tax identification number may be required, and directs KYC problems to support.

What coins can I use to top up?

Nine are named: BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA and SUI. Stablecoins are not named on the card page, and the networks on which each coin must be sent are not stated — which matters because a transfer on an unsupported network can be lost. You can also add fiat free, with a EUR 10 minimum.

What are the fees and limits?

Issuing is free and card payments are free. Crypto purchase through xMoney costs 1.49%; the foreign exchange fee is a maximum of 2.5% on the rate; high-risk merchants such as gambling add up to 3% with a EUR 1 minimum. ATM withdrawals are free to EUR 200 a month, then 2% plus EUR 1, and unjustified chargebacks cost EUR 20. Daily top-up is EUR 2,500 and spending EUR 5,000 per the card page — though the fee document says “No limit” on card spending.

Is the xPortal card safe to use?

There are real safeguards and real unknowns. The app can freeze and unfreeze the card instantly, settings offer Terminate or Replace, and there is a 24/7 line for a lost or stolen card at +40212026944. The App Store rating is 4.8 from 1.8K ratings and no Trustpilot page was found. But whether your crypto is held in custody is not stated, and custody means trusting a provider completely.

Can I add the xPortal card to 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 card is tokenised for mobile payments, meaning the device stores a separate account number rather than your card number. Which merchant categories are blocked is not stated, so expect to find out at the till rather than in advance.

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