Comparison
Amulets Card vs. Xapo Bank Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Amulets CardAmulets
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Xapo Bank CardXapo Bank
In short
- Amulets Card ask for the least (ID document).
- Xapo Bank Card has the higher score (61.47).
| Attribute |
Amulets CardAmulets
Requires KYC
Private
Virtual
|
Xapo Bank CardXapo Bank
Requires KYC
Private & business
Virtual
Physical
Metal
|
|---|---|---|
| Score | weak | average |
| CostsWeight 25 % | 0 | 70 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 84 | 89 |
| AvailabilityWeight 10 % | 47 | 78 |
| RewardsWeight 10 % | 40 | not scored |
| TrustWeight 10 % | 82 | 93 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) | no limits captured |
|
| Basics | ||
| Card form (differs) |
prepaid
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Stablecoin-funded, volatility-free. Fund your Amulets account with USDC or USDT before your trip. Your travel budget stays dollar-stable regardless of market conditions. You don't need to worry about...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Navigate seamless global transactions using traditional banking networks, stablecoins, Bitcoin, and our premium debit card with zero foreign exchange fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
- Use a virtual card compatible with the Visa network, subject to issuer and network rulesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical, metal
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
- Use a virtual card compatible with the Visa network, subject to issuer and network rulesChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
unknown
1 more country/regionEU: Visa xapobank.com checked 29 Oct 2026 Source and check Source xapobank.com Wording at the sourceAt Xapo Bank, we're redefining what it means to manage your finances with ease, security, and rewards. We are excited to announce the launch of our brand new Visa debit cards in new regions, offering...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
14.1 Custodial services. Amulets or the designated custodian controls the private keys used for custodial operations.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
- Your Bitcoin is secured by MPC-CMP custody: the full private key never exists in one place. Not at creation, not at signing, not ever. - Bitcoin is held 1:1, legally segregated under Gibraltar's DLT...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
converted on spend
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Amulets takes a different path. Your balance is held in stablecoin on public networks like Solana, Ethereum, BNB and Polygon. When you pay, it converts directly into local currency at the moment of pu...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
converted on spend
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) | unknown |
USD
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal
amulets.io checked 28 Oct 2026
Source and check
Source
amulets.io
Wording at the source
2.2 Personal use and ownership. Unless an approved product expressly permits otherwise, use your Account for your own lawful purposes. You must hold or have valid authority to transfer the assets you...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal, business
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank membership is open to individuals who are at least 18 years of age and reside in one of our supported jurisdictions, as well as qualifying institutions. Because Xapo Bank is a fully regulate...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor | unknown |
Standard:
unknown
1 more country/regionEU: Transact Payments Malta Limited xapobank.com checked 29 Oct 2026 Source and check Source xapobank.com Wording at the source*The Xapo Bank card in the EU region is issued in partnership with Transact Payments Malta Limited, a payments and electronic money institution authorised and regulated by the Malta Financial Services...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) | unknown |
user setting
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Managing your Xapo Bank debit card is easier than ever with our user-friendly app. You can monitor your spending with real-time notifications, freeze and replace cards instantly, and set spending limi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) |
Available in 68 countries and regions
faq.amulets.io checked 29 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
The countries listed below reflect the current Wirex BaaS non-custodial card-program availability. They do not define general Amulets account eligibility. ## 🌍 Europe > Andorra, Austria, Belgium, B...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, SOL, BNB, XLM
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
### Base | Asset | Minimum deposit | Withdrawal fee | Minimum withdrawal | Maximum withdrawal | Daily withdrawals | |---|---|---|---|---|---| | USDC | 1 USDC | 3 USDC + 0.10% | 2 USDC | 2,500 USDC |...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
BTC, ETH, USDT, USDC, ADA
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) |
Bitcoin, Ethereum, BNB Smart Chain, Solana, Polygon, Base, Stellar
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
### Base | Asset | Minimum deposit | Withdrawal fee | Minimum withdrawal | Maximum withdrawal | Daily withdrawals | |---|---|---|---|---|---| | USDC | 1 USDC | 3 USDC + 0.10% | 2 USDC | 2,500 USDC |...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
Bitcoin, Lightning, Ethereum, Tron, Solana
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
- Or fund your account with USDT, USD, GBP, EUR, or a BTC transfer. Stablecoins and fiat convert automatically to USD.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Amulets was designed from the ground up for international use. It runs on the Visa network, works with Apple Pay and Google Pay, and is specifically built to avoid the traditional banking markups that...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawals (differs) | unknown |
Yes
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Apple Pay and Google Pay from day one. No need to carry a physical card. Add your Amulets virtual card to your phone wallet before you leave and pay contactlessly anywhere NFC is accepted, which cover...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
We're also rolling out targeted upgrades, such as new Visa cards with dramatically improved acceptance and contactless features for our members in several countries, and upgraded Visa Metal cards with...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
not published
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
9.6 Rates and fees. Rates may be determined at authorisation, settlement or another stage specified in the Card Program Documents. An advance quote may not be available for a merchant-initiated Card p...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Standard:
unknown
1 more country/regionEU: 0.00 USD legal.xapobank.com checked 29 Oct 2026 Source and check Source legal.xapobank.com Wording at the source| Virtual or Physical Card Issue Fee | | | Virtual or Physical Card Issue Fee | 0 USD |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) | unknown |
not applicable
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Becoming a member of Xapo Bank requires an annual membership fee of $1,000 USD. This single, transparent subscription grants you full access to a premium digital wealth ecosystem, which includes secur...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
1,000.00 USD
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Becoming a member of Xapo Bank requires an annual membership fee of $1,000 USD. This single, transparent subscription grants you full access to a premium digital wealth ecosystem, which includes secur...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
0.29 %
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) | unknown |
0 % above the network rate
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
5.2 The Xapo Card supports transactions in any currency. When the currency of a transaction that you have made with your Xapo Card is different to the currency you hold in your Xapo Account, an exchan...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) | unknown |
100.00 USD free per calendar month, then 2 %
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
| Cash withdrawal (ATM) in and outside Gibraltar up to 100 USD per month | 0 USD, ATM operator fees may apply | | | | | Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month | | | Cas...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
0.10 USD (US$0.30 for purchases below US$5)
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Authorization fee: - Purchases above US$5: US$0.10 - Purchases below US$5: US$0.30Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
| Debit Card payment | | | Debit Card payment | 0 USD, operator fees may apply |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement (differs) | unknown |
25.00 USD (First replacement card in a year (January-December) is free; each additional replacement card in that year costs 25 USD.)
legal.xapobank.com checked 29 Oct 2026
Source and check
Source
legal.xapobank.com
Wording at the source
Replacement of Card: | First replacement card in a year (January-December) | | |---|---| | First replacement card in a year (January-December) | 0 USD | | | | | Additional replacement card in a year...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Rewards | ||
| Cashback (differs) |
0.5 %
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Every user begins with 0.5% Cryptoback in Solana.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
3 % promotion until 31 Oct 2026
xapobank.com checked 29 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Metal cardholders earn 3% cashback on all taxi and ridesharing services worldwide, including providers like Uber and Lyft. The offer runs from 1st July to 31st October 2026 and activates automatically...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? , regular unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
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