Comparison
Bitnob Card vs. Xkard Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitnob CardBitnob
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Xkard CardXkard
In short
- Xkard Card has the higher score (64.34).
| Attribute |
Bitnob CardBitnob
Requires KYC
Private & business
Virtual
|
Xkard CardXkard
KYC unknown
Virtual
Physical
|
|---|---|---|
| Score | weak | average with variant Premium: 64.09 with variant Whale: 64.84 |
| CostsWeight 25 % | 32 | 77 |
| KYC and privacyWeight 20 % | 0 | not scored |
| FeaturesWeight 15 % | 76 | 83 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 95 | 77 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: Full verification | KYC unknown |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
prepaid
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards operate on a prepaid model, so users spend only what they load.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE cards are prepaid: you top up the card and spend the balance you've loaded. The balance is in the currency that corresponds to each card, so it depends on the card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We currently issue virtual USD cards compatible with Visa and Mastercard networks. Each card comes with its own card number, expiry date, and CVV. Physical card issuance is on our roadmap pending part...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
The Cards section is a full virtual Visa card issuance platform.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Custody |
custodial
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We will act as your custodian for any Cryptocurrency assets in your Account from time to time. You will be the beneficial owner and have beneficial title to any Cryptocurrency asset held by us as cust...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE does not custody the assets in your self-custodial wallet. Card balances are held by the independent card issuer, not in your wallet.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model (differs) |
fiat balance
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card currencies (differs) |
USD
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownUSD
bitnob.comchecked 29 Oct 2026
We currently issue virtual USD cards compatible with Visa and Mastercard networks.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
|
| Usage (differs) |
personal, business
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fintech apps offering USD spending in emerging markets ### Freelancers spending crypto earnings in USD ### Corporate expense cards funded from treasuryChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor | unknown | |
| Limits depend on (differs) |
user setting
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
You can set per-transaction limits, daily spending caps, merchant category restrictions, and geographic restrictions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
plan
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Each plan has an annual limit: Essential $50,000, Premium $250,000 and Whale $1,000,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
BTC, USDT, USDC
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownBTC, USDT, USDC
bitnob.comchecked 29 Oct 2026
Virtual cards are issued in USD and can be funded from any of your available wallets (BTC, USDT, USDC, or NGN). The system automatically converts your funds to USD at competitive rates.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
|
| Number of supported assets | unknown | |
| Top-up networks (differs) | unknown |
Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Top up with USDT, USDC or the network's native coin on BNB Smart Chain, Ethereum, Base, Polygon and Arbitrum.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) |
Yes
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownYes
bitnob.comchecked 29 Oct 2026
You can fund virtual cards instantly from your BTC, USDT, USDC, or NGN wallets. Simply select the card you want to fund, choose your funding source, enter the amount, and confirm the transaction.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
|
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals | unknown |
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Yes. Premium and Whale include a physical XHYPE card that also works at ATMs: up to $1,500 per transaction and per day, 30 operations per day and $15,000 per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Yes. Premium and Whale include a physical XHYPE card that also works at ATMs: up to $1,500 per transaction and per day, 30 operations per day and $15,000 per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
1.00 USD
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Card creation fee | 1.00 USD per card |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuance (differs) |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cards | unknown | |
| Shipping (differs) |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Monthly fee | unknown | |
| Annual fee (differs) |
not published
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
## Card fees and limits | Item | Amount | |---|---| | Card creation fee | 1.00 USD per card | | Minimum top-up | 3.00 USD | | Top-up fee up to 100 USD | 1.00 USD flat | | Top-up fee above 100 USD | 1...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
10.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
58.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
70.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
2.1 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.8 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.2 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | |
| Crypto conversion fee (differs) |
not published
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Foreign currency fee | unknown | |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee | unknown | |
| Transaction fee | unknown | |
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback | unknown | |
| Referral bonus (invited friend) (differs) | unknown |
only in the app
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
only in the app
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Bitnob Card · Xkard Card: promotions and bonuses as well as warnings and incidents.