Comparison
BitPay Card vs. xPortal Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
BitPay CardBitPay
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xportal.com30 Oct 2026
Image source
Source
xportal.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
xPortal CardxPortal
In short
- BitPay Card ask for the least (ID document).
- BitPay Card has the higher score (65.17).
| Attribute |
BitPay CardBitPay
Requires KYC
Private
Virtual
Physical
|
xPortal CardxPortal
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | good | average |
| CostsWeight 25 % | 80 | 93 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 90 | 98 |
| AvailabilityWeight 10 % | 17 | 23 |
| RewardsWeight 10 % | 100 | 4 |
| TrustWeight 10 % | 80 | 71 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | – | Only for nationals of: European Economic Area |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
prepaid
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
2. Your Card. The Card is a prepaid card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
debit
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
| Card type | Mastercard Debit® |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
To earn cashback rewards, Participants must complete purchases at eligible merchants by using their xPortal Card during the Program period. Purchases may be conducted using either the physical or the...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card network |
Mastercard
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Mastercard
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Spend your crypto instantly with Apple Pay or Google Pay. Anywhere Mastercard is accepted.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custody (differs) | unknown |
custodial
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
As a customer of Capital Financial Services SA (CFS) your e-money funds are protected in the unlikely event that CFS becomes insolvent. As an e-money institution regulated by the National Bank of Roma...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
The Card allows you to access funds loaded to your Card Account by you or on your behalf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
No, you can deposit only fiat currency (EUR), but you can top-up your xPortal card using EGLD and several other tokens.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
No, you can deposit only fiat currency (EUR), but you can top-up your xPortal card using EGLD and several other tokens.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usage |
personal
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You must be 18 years old to qualify as a Cardholder.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Only individuals who cumulatively meet all of the conditions set out below (hereinafter "Eligible Participants") may participate in the Program:Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Metropolitan Commercial Bank
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Capital Financial Services S.A.
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
The payment cards used in connection with the Program (hereinafter referred to as the "xPortal Cards") are issued under a white-label arrangement by Capital Financial Services S.A., an electronic mone...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend on | unknown | |
| Cards per account (differs) |
1
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
number of Cards per Card Account is limited to 1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 3 moreBTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC |
BTC, ETH, SOL, BNB, DOGE, POL, SUI, EGLD, BERA
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Fund your card with top crypto BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, or SUI. Your crypto, your choice.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks | unknown | |
| Fiat top-up (differs) | unknown |
Yes
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
You can top-up your account with funds (fiat currency) (i) via a payment (debit / credit) card issued to you by your financial institution; or (ii) via your crypto-asset exchange provider that perform...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Use your card instantly through Apple Pay or Google Pay — no plastic required.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard®Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
| ATM withdrawals /mo. | €500 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactless (differs) |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Virtual Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
3.00 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Your first three Virtual Cards are free of charge, but the following ones will be charged with 3 Euro issuing fee.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
0.00 USD
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
9.99 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Your first physical card costs 9,99 Euro and you have to pay a delivery fee of 5,99 Euro (for Romania) or 12,99 (for International – only EEA). The following ones will be charged with 9,99 Euro + the...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping (differs) | unknown |
5.99 EUR – 9.99 EUR
xportal.com checked 30 Oct 2026
Two sources, two values
Shown5.99 EUR – 9.99 EUR
xportal.comchecked 30 Oct 2026
| Card delivery | €5,99 (RO) / €9,99 (INT) |Differing5.99 EUR – 12.99 EUR help.xportal.comfetched 30 Oct 2026 Your first physical card costs 9,99 Euro and you have to pay a delivery fee of 5,99 Euro (for Romania) or 12,99 (for International – only EEA).Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
xportal.com checked 30 Oct 2026
Source and check
Source
xportal.com
Wording at the source
Our everyday use debit card is fresh, it's mint and, most importantly, it's FREE.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual fee | unknown | |
| Top-up fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
BitPay loads and reloads $0.00 We do not charge a fee for this serviceChecked 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 | unknown | |
| Foreign currency fee (differs) |
3 %
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee | unknown | |
| Transaction fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN debit purchase $0.00 We do not charge a fee for this service POS signature purchase $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Card activation fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Minimum top-up | unknown | |
| Declined payment fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN purchase $0.00 We do not charge a fee for this service (declined) POS SIG purchase $0.00 We do not charge a fee for this service (declined)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Refund fee | unknown | |
| Inactivity fee (differs) |
5.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Minimum monthly spend | unknown | |
| Inactivity rule (differs) |
Dormancy fee assessed each month after 90 days of no transaction.
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card replacement (differs) | unknown |
5.00 EUR
help.xportal.com checked 30 Oct 2026
Source and check
Source
help.xportal.com
Wording at the source
Yes, you will be charged 5 Euro + the delivery fee of 5,99 Euro (for Romania) or 9,99 Euro (for International – EEA only).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback (differs) |
only in the app
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
0.1 % (holding from 5 · cap 5.00 EUR/month); 0.2 % (holding from 25 · cap 10.00 EUR/month); 0.3 % (holding from 100 · cap 15.00 EUR/month); 0.4 % (holding from 500 · cap 20.00 EUR/month); 0.5 % (holding from 2,000 · cap 30.00 EUR/month); 0.1 % (holding from 25 · cap 5.00 EUR/month); 0.2 % (holding from 125 · cap 10.00 EUR/month); 0.3 % (holding from 500 · cap 15.00 EUR/month); 0.4 % (holding from 2,500 · cap 20.00 EUR/month); 0.5 % (holding from 10,000 · cap 30.00 EUR/month) · in EGLD
|
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| 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
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One mail when something changes at BitPay Card · xPortal Card: promotions and bonuses as well as warnings and incidents.