A euro-denominated crypto card with a free virtual tier and a plastic Mastercard, sold mostly on how well everyday spending works

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have tried to open an ordinary bank card and could not, or you would simply rather not hand over another round of paperwork to a retail bank, the xPortal card is built for exactly that position. It gives you a Mastercard Debit, virtual cards you can create in the app, Apple Wallet and Google Wallet, and a balance you top up in crypto or with an ordinary debit or credit card. It is one of the better-scoring cards in this category for plain everyday use, and my score for it is 6.4 out of 10.

That number is not a rejection. It reflects a card that does its daily job well and has real strengths, wrapped in a layer of official information that is thinner than you would want. The card’s own public pages leave out basic things — the country list, the identity checks, the monthly fee, who issues the card. Some of those gaps I can fill only with unofficial third-party sources, and I will tell you plainly when that is what I am doing. Where two official pages disagree with each other, I show you both numbers rather than picking the flattering one.

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

Verdict: 6.4 out of 10, built for EEA residents spending crypto

The xPortal card scores 6.4 / 10, and the shape of that score matters more than the number itself. Where it is strong — everyday use — it is genuinely strong. Where it is weak, it is weak in a way that is unusual for this category: not that the card is badly made, but that it is quietly documented.

The card suits anyone in the European Economic Area who holds EGLD or other supported coins and wants to spend them like ordinary money, plus people who have been refused a conventional bank card and need a working Mastercard instead. It suits people who are comfortable holding crypto with a provider rather than in their own wallet, and who want a virtual card today and a physical one later.

It does not suit you if you need a bank account behind it, a credit line, or proof of income. It does not suit you if you want to know exactly which company issues the card and under which licence — that answer is not on the card’s pages. And if you plan to load and spend large amounts, the ATM ceiling of EUR 500 a month will be the first wall you hit.

Read that table row by row rather than averaging it. The 9 in everyday use is the reason to consider this card at all. The 5 in eligibility is the reason to check your country before you spend an afternoon on the application.

Will they give you the card?

Here is the honest answer: the card’s own pages do not say. There is no eligibility list, no country table, no statement of who can apply. The terms say only that access “may not be available to you … in certain regions” — which is the standard sentence every card in this category uses, and which tells you nothing concrete.

What I can tell you is that delivery is priced with two labels, “RO” and “INT”, which points to Romania for domestic shipping and an international tier for everyone else. An older help-center article, which I read only at title and date level, describes international delivery as “only EEA” — so the card has at some point been positioned as a European product rather than a global one. That is an official page, but an old one, and I would not rely on it for a decision made today.

The country detail that does exist comes from third-party sites, so treat it as unofficial and not confirmed by the card: xPortal is said to be available in 29 EEA countries, with Canada, Iran, North Korea, Switzerland, the United Kingdom and the United States restricted. The same third-party page contradicts itself about Germany, which tells you how much weight to put on it.

If you are outside Europe entirely, assume the answer is no until the card says otherwise. If you are inside the EEA, assume the answer is probably yes, and find out by trying. If you hold a passport from a restricted country while living in a supported one — a situation that matters more than people expect — be aware that nationality is screened separately from residence, because sanctions screening and issuer risk policy are often applied to citizenship and country of birth as well as to address. There are no legitimate ways around that, and anyone offering you one is not helping you.

One more thing the card does not publish: how old you have to be. Prepaid and debit cards in this category are generally for adults, and some issuers set higher limits for them, but xPortal’s own pages do not state an age requirement.

How to get it

The process is ordinary, and that ordinariness is the point. You download the app, register, verify your identity, and the card appears. The app exists on the iOS App Store, Google Play and Huawei AppGallery; the iOS listing shows 30 languages including Russian, and requires an iPhone or iPod touch on iOS 15.1 or later, or Apple Vision.

The problem is the middle of that sentence. Identity verification is where this card goes quiet. The card page and the terms do not state what documents are needed, how many levels of verification exist, how long each takes, or why an application can be refused. Three separate gaps that all matter to you if you are applying from a new country or with an unfamiliar address.

The help center is not empty, though — it is just not readable in detail. It carries an article called “Source of funds check” with five articles under it, and another asking “Why do I have to provide my tax identification number?”. Those titles tell you that both checks exist and that the tax identification question comes up in practice. If you cannot finish verification, the help center directs you to in-app chat or to [email protected]; another support page lists [email protected]. For a lost or stolen card there is a 24/7 phone line on +40212026944.

On what verification actually involves, I have only unofficial reporting, from CryptoCardHub in August 2026: full identity verification before issuance, with an ID check and proof of address. That is what you would expect from a card in this category, because EU anti-money-laundering rules require regulated businesses to verify customers and assess risk, including ongoing transaction monitoring — but unofficial is unofficial, and the card itself does not confirm it.

You asked earlier how to activate the card, and the honest answer is that the card’s pages do not walk through it in a place I could read. What is clear from the app is that you can freeze and unfreeze a card yourself, and that the card settings offer Terminate or Replace as well.

Fees and what a payment really costs

Issuing the card is free. That is the headline, and it is true. What it does not cover is everything else, and the numbers that follow are the ones you will actually feel.

That table has contradictions in it, and I have left them visible on purpose. The delivery price appears as EUR 5.99 / EUR 9.99 on the card page and as EUR 5.99 / EUR 12.99 in the fees PDF for international shipping. The daily and monthly top-up ceilings differ between the two documents. The daily spending limit is stated as EUR 5,000 on the card page while the fees PDF, effective 02.07.2024, says no limit at all. Check the figures in the app at the moment you open an account; do not plan around the version that looks better.

Now three everyday payments, to make the percentages mean something.

Coffee abroad. You buy a coffee for EUR 4 in a country that is not the euro area. The card converts at a rate with a maximum 2.5% currency commission on top. That is up to EUR 0.10 on EUR 4 — small, but it is charged on every foreign purchase, and it is separate from whatever spread the rate itself carries. The card does not state a free foreign-currency allowance, so you should assume there is none.

A week of groceries at home. Domestic spending in euros is free. No per-transaction fee, no monthly fee, nothing. This is the case where xPortal is plainly better value than most of its competitors, several of which charge a percentage on everything.

Withdrawing cash in a city where you do not live. Your first EUR 150 of the month is free. The next EUR 100 costs 2% plus EUR 1, so EUR 2 for that hundred. Ask for EUR 600 and you hit the EUR 500 daily ceiling first. The EUR 500 a month ceiling on the card page sits alongside the EUR 2,500 monthly figure in the fees PDF, and I would plan around the lower number.

Two things that are easy to miss. The high-risk merchant fee of up to 3% means gambling and similar merchants are treated differently from ordinary shops. And a chargeback — asking the issuer to reverse a payment you dispute — costs EUR 20 if the claim is judged unjustified, which is a real cost if you are tempted to file one casually.

How to top it up

Top-up is the part of this card that is well documented, and it is the part you will use most. You can send BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI, and you can top up with a debit or credit card, or add plain fiat such as EUR, which the fees PDF lists as free.

The catch sits in a short line that the card does not spell out. The coin list names nine currencies and then stops. It does not name a single network, and it does not name stablecoins. Those two omissions are not pedantic. Blockchain transfers are irreversible, so a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost entirely or need manual support recovery with no guarantee of success. If the card accepts USDC on Ethereum but you send it on Tron, you have made a mistake the network cannot undo and no one owes you the money back.

So the honest advice, which is not a trick and has no clever workaround: before your first transfer, confirm the exact network in the app or with support. Do not infer it from the coin name. This is also why Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity — stablecoins are not censorship-proof in either direction.

Adding fiat currency is free, the minimum top-up is EUR 10, and if you would rather not touch the blockchain at all you can buy crypto through xMoney for 1.49%. As for who pays the network fee for your deposit, the card does not say. Network fees for a deposit are charged by the blockchain itself, not by the card provider, so in practice that cost comes out of your balance before the funds arrive.

Withdrawing is the last piece of the funding picture, and here the card is silent: the conditions are not stated. The help center does carry an “xPortal Card Balance” collection, a “Locked or Closed Accounts” section and an article on cancelling your Debit Card — titles only, no readable text. If closing an account is something you might do, ask support before you fund it.

Paying with it every day

This is where xPortal earns its best mark, 9 out of 10, and it earns it with plain, unglamorous features that decide whether a card survives a normal week.

You get virtual cards — branded xPortal, MultiversX or Sui — which appear instantly, and a physical Mastercard Debit for the places where a shop wants to see plastic. The card currency is euros, implied by the page graphics rather than stated in words. You can put the card into Apple Wallet or Google Wallet, both logos shown, so you can pay by phone at a terminal and not fish for a card in a wallet at the till.

The virtual cards are the reason this card is well suited to subscriptions and one-off online spending. If you want a separate card for one merchant, with its own number, you can create it and drop it without touching your main card.

Cashback is where the documentation wobbles. It is paid in $EGLD or $UTK depending on staking, and the comparison table says “Up to 0,5%” while elsewhere on the same page it says “Up to 5% cashback”. Those numbers are not reconcilable — one is ten times the other. Unofficial reporting from CryptoCardHub in August 2026 explains the gap: only the entry tier is live, with cashback up to 0.5%, and the 5% figure belongs to higher tiers that are not launched. The card page itself shows “Tier 2” only inside an image, tier definitions are not stated, and the help center names a “Diamond Touch” upgrade and a “Plan & Benefits” collection with titles only. The fees PDF covers the Standard Mint Account alone.

Multi-currency balances are not stated. Spending and limits are shown in euros.

Merchants can and do decline cards like this one. A payment card number starts with a six- or eight-digit issuer identification number that any merchant can look up; it reveals which institution and which country issued the card, and some shops apply extra scrutiny when the issuer country differs from the billing address. Some merchants decline prepaid or foreign-issued cards for exactly that reason. So “where can I use it” has a less satisfying answer than you want: most places that take Mastercard Debit, but not all, and not predictably. One help-center article asks “What foreign exchange rate will I get?” — title only.

When something goes wrong, the help center has articles on cancelling a transaction, on a transaction you do not recognise, and on duplicate transactions — but another of its pages says a transaction cannot be cancelled once initiated. Time frames are not stated. If a decline leaves a hold on your balance, note that a hold can persist for several days.

What can go wrong

The card maintains an App Store rating of 4.8 out of 5 from 1.8K ratings. No major public complaints are available. Some users report slow support response times, and others note room for improvement in the verification process and seed phrase visibility.

You may not know who holds your money. The site footer names xPortal Labs; the terms name xPortal Equity A.G. as the operator of xPortal. The issuer, the BIN sponsor and the licences are not stated on the card’s pages. Unofficial reporting names Capital Financial Services S.A. (Twispay) as issuer, an electronic money institution with licence IEME-RO-0001 issued by the National Bank of Romania, and says the product was developed by MultiversX. That is a licensed e-money institution, which matters — an EMI in the EU can issue e-money, payment cards and e-wallets but cannot lend — but it comes from a third party, so check it yourself rather than taking it from me.

Custody is unstated. Who holds the private keys to the coins behind your balance is not stated. This 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 an unencrypted form, and anyone who obtains it can restore the wallet and spend the funds. Transfers are typically irreversible and a stolen key has no built-in recovery — the network cannot freeze or return anything. Custodial platforms have a real record: Mt. Gox, about US$350 million reported stolen 2011–2014; Coincheck, about US$400 million in 2018; Ronin Network, US$625 million in 2022. If your money sits with xPortal or its issuer, you are accepting counterparty and hack risk.

Regulatory ground can shift under a card programme. Under MiCA, the EU’s markets-in-crypto-assets regulation, e-money tokens may be issued only by a credit institution or an electronic money institution, and the transitional period for existing providers runs only until 1 July 2026 or until they receive or are refused authorisation, whichever comes first. A card is a payment service regulated separately from the crypto side, so a crypto card often depends on two licences. ESMA keeps an interim register of authorised providers you can check. History is not reassuring: Visa terminated its global agreements with FTX on 13 November 2022, and WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Programme closures typically mean a notice period, then spending and loading stop, then you are asked to withdraw what remains.

What can go wrong technically is mostly the ordinary kind. There is freeze and unfreeze in the app, Terminate and Replace in card settings, a 24/7 lost-and-stolen line, Apple Pay and Google Pay with their device-specific numbers and one-time dynamic security codes. But blocked merchant categories are not stated, and 3-D Secure handling for online payments — Mastercard calls it Identity Check — is not described. Address Verification Service, which compares the billing address a buyer types against issuer records, is generally unavailable for foreign-issued cards and can cause declines.

A single dated document is all the official history there is. The only dated item I found is the fees and limits page for the Standard Mint Account, effective 02.07.2024, with an earlier version in circulation. No licence or issuer events are stated officially. If you are the kind of person who wants to see a licence number and a regulator before signing up, this card will frustrate you — and that frustration is the honest cost of the 6.4.

What to take instead

If the gaps in xPortal’s documentation are what stop you, three alternatives document themselves better. Scores are from the same scale.

MetaMask (7.1 / 10) is the one to look at first, because it publishes the most: a list of 45 countries and territories, an explicit proof-of-residency requirement, and a sentence that settles a question people often ask — ineligible regions limit sign-ups, not spending. It issues a virtual Mastercard instantly, has no annual or maintenance fee on that tier, charges no foreign transaction fee and uses the Mastercard rate, and names its issuer, Monovate. Against it: the metal card is $199 a year, sign-ups for the US and UK are temporarily closed, and US/UK aside, other regions go on a waitlist. It also spends directly from a connected self-custody wallet, which is a different risk profile — you own the keys, and you own the loss.

KAST (6.1 / 10) is the transparent-fee option. It states its fee line by line: stablecoin top-up 0%, USD card spend 0%, transaction fee 0%, Apple and Google Pay 0%, and a non-USD foreign exchange fee of 0.5% to 1.75% depending on where you live and which card programme you hold. It names a Residence-based KYC list in the app and is unusually explicit that holding an ID from a restricted region can disqualify you even when you live in a supported country. Against it: the paid tiers are for a different reader — Premium is 1,000 USD a year, Private 10,000 USD a year — and it holds USD balance from USDT, USDC, PYUSD and RLUSD, with its terms naming only USDT and USDC.

TokenPocket (5.8 / 10) is the cheapest to try and the least finished. It runs on Arbitrum, its Fiat24 balances are EUR24 and USD24, and it states that apart from an NFT creation fee partly covered by the wallet it charges no additional fees. The catch is a 1% fee on depositing cryptocurrency into the card, which it says is refunded later through rewards or reduced transaction fees.

Whichever you look at, remember the category lesson: Visa and Mastercard do not issue crypto cards to consumers. They license issuers, and they can suspend a programme. Anyone selling you a crypto card is standing on someone else’s licence.

Who I would recommend it to

I would recommend the xPortal card to someone specific, and it is not “anyone looking for a crypto card.”

If you live in the EEA, hold EGLD or a handful of the nine supported coins, spend in euros most weeks, and want a card that works in a shop, a subscription and a cash machine without ceremony — this is a good card. The 9 out of 10 for everyday use is not marketing. Virtual cards for the subscriptions you do not want on your main card, Apple Wallet and Google Wallet for the terminal, free domestic spending, and free cash withdrawals up to EUR 200 a month. That is a working week.

I would also recommend it to someone who cannot get a bank card in the first place. Here it is genuinely useful rather than merely interesting, and the 5 out of 10 for eligibility does not matter much if the alternative is nothing at all — but check that you are inside the unofficial EEA footprint before you invest an afternoon.

I would not recommend it as your only card. The ATM ceiling, the unstated issuer and the unstated custody arrangement all point the same way: keep a second card, and do not treat this balance as money you cannot afford to replace.

And I would not recommend it if you need certainty on paper. Before you commit, ask support three questions in writing: who issues the card and under which licence, what exactly the identity check requires and how long it takes, and what the monthly account fee is. Keep the answers. If the answers are unsatisfying, the alternatives above publish those things and you have a shorter decision to make.

Frequently asked questions

What is the xPortal card?

The xPortal card is a Mastercard Debit that spends a balance you load yourself, most often with crypto but also with a debit or credit card or plain fiat. You get virtual cards inside the app and a physical card, and you can add the card to Apple Wallet or Google Wallet. The balance is denominated in euros, and cashback is paid in $EGLD or $UTK rather than in fiat. It is operated by xPortal Equity A.G.

How does the xPortal card work?

You top up, then spend. Adding fiat is free with a EUR 10 minimum, and you can also send BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI, or buy crypto through xMoney for 1.49%. The card then draws on that stored balance like a prepaid card, and cannot overdraw it. Many cards in this category work this way rather than like a true debit card tied to a bank account.

Is xPortal a bank?

No — it presents as a payments product, not a bank. The terms name xPortal Equity A.G. as the operator of xPortal, and the site footer names xPortal Labs. Unofficial reporting names Capital Financial Services S.A. (Twispay) as the issuer, an electronic money institution licensed by the National Bank of Romania under IEME-RO-0001. That licence detail is not stated on the card’s own pages.

Who owns xPortal?

The card’s public pages name xPortal Labs in the footer and xPortal Equity A.G. in the terms as operator. Unofficial third-party sources say the product was developed by MultiversX, the team behind the Elrond network and the EGLD token — which would also explain why EGLD leads the supported coin list. Treat the ownership chain as unofficial until the card confirms it.

Can I use the xPortal card in my country?

Official pages do not publish a country list; they only say access “may not be available to you … in certain regions”, and price delivery as “RO” or “INT”. Unofficial sources say 29 EEA countries, with Canada, Iran, North Korea, Switzerland, the UK and the US restricted, and that same page contradicts itself about Germany. An older help-center article describes international delivery as “only EEA”. Check in the app.

Does the xPortal card require KYC?

Identity checks are not described on the card page or in the terms, but the help center carries a “Source of funds check” section and an article asking why you must provide a tax identification number, so checks plainly exist. Unofficial reporting says full KYC before issuance, with ID verification and proof of address. If you get stuck, the help center points you to in-app chat or [email protected].

How much does the xPortal card cost?

Issuing is free, and card payments are free. Delivery is EUR 5.99 in Romania or EUR 9.99 internationally on the card page, while the fees PDF lists a first physical card at EUR 9.99 plus delivery of EUR 5.99 or EUR 12.99. Virtual cards are free for the first three, then EUR 3 each. No monthly or annual fee is stated. The costs that bite are the 1.49% crypto purchase fee and a foreign exchange fee of up to 2.5%.

What are the xPortal card’s limits?

The card page states daily spending of EUR 5,000 and ATM withdrawals of up to EUR 500 a month, while the fees PDF says POS, e-commerce and ATM spending has “no limit” and sets the ATM ceiling at EUR 500 a day and EUR 2,500 a month. Top-up limits also differ: EUR 2,500 daily and EUR 10,000 monthly on the card page, against EUR 5,000 and EUR 25,000 in the fees PDF. How limits split across verification levels is not stated.

Is the xPortal card safe?

It has the ordinary protections — freeze and unfreeze in the app, a lost-and-stolen line open 24/7, and Apple Pay or Google Pay with device-specific numbers and one-time codes. But custody of your crypto is not stated, so you cannot tell from the card whether a seed phrase is held by the provider. No Trustpilot page was found and no complaint reports surfaced, which is reassuring and uninformative at once. Consider it a custodial product and size your balance accordingly.

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. Once the card is in your wallet it pays by phone with a device-specific number and a one-time dynamic security code, never your raw card number. Useful for terminals where you would otherwise be fumbling for plastic in a queue.

Content created by the «cryptocardcatalog» team