Comparison
Bitrefill Card vs. Xkard 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
Bitrefill CardBitrefill
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Xkard CardXkard
In short
- Bitrefill Card has the lowest monthly fee (0.00 EUR).
- Xkard Card has the higher score (64.34).
| Attribute |
Bitrefill CardBitrefill
Requires KYC
Private
Virtual
Physical
|
Xkard CardXkard
KYC unknown
Virtual
Physical
|
|---|---|---|
| Score | average | average with variant Premium: 64.09 with variant Whale: 64.84 |
| CostsWeight 25 % | 70 | 77 |
| KYC and privacyWeight 20 % | 35 | not scored |
| FeaturesWeight 15 % | 82 | 83 |
| AvailabilityWeight 10 % | 22 | not scored |
| RewardsWeight 10 % | 40 | not scored |
| TrustWeight 10 % | 70 | 77 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | Not for nationals of: United States, Russia | – |
| KYC | KYC: ID document | KYC unknown |
| Limits (entry level) | Starter
|
|
| Basics | ||
| Card form |
prepaid
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.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 (differs) |
virtual, physical
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.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
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Custody |
custodial
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.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
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card currencies (differs) |
EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Usage (differs) |
personal
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Individuals aged 18 or older who passed an identity verification process (managed by our card partner) and are residents of the following countries are eligible to apply for the Bitrefill Card:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor (differs) |
Wallester AS
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Limits depend on (differs) | unknown |
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, ETH, USDC, SOL, BNB, POL
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
USDCEthereum Network Polygon Network (ERC20) Solana Network (SPL)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Bitcoin, Lightning, Ethereum, BNB Smart Chain, Solana, Polygon
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
BitcoinBitcoin Network Lightning NetworkChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
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 | unknown | |
| Payments | ||
| Mobile wallets (differs) |
Google Pay
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.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 (differs) |
Yes
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Turn crypto into cashWithdraw any funds on your card at all ATMs accepting VISA globally.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?
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 (differs) | unknown |
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) |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuance (differs) |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee (differs) |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Annual fee (differs) | unknown |
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
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A variable spread reflecting the crypto to fiat exchange cost applies. The final amount to be charged will be visible for your approval before deposit confirmation.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 (differs) |
2.49 %
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
ATM Withdrawal2.49%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| 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 (differs) |
10.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
12 Month Inactivity fee€10/monthlyChecked 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) |
Card is inactive after 12 continuous months without spending or cash-out; then €10/month is charged (only from available balance) after 1-month and 1-week e-mail notice; at €0 balance the card and card account are deactivated.
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A card is considered to be inactive if you do not spend or cash-out money for a continuous period of 12 months. Both a 1-month and 1-week prior notice will be sent by e-mail to you before charging any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | 1 % (spend from 0/month) · in EUR | |
| 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) |
not published
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Please refer to the Terms & Conditions of the Website before proceeding. The "Refer a Friend" campaign aims at expanding Bitrefill Customer network through the referral of friends.Checked Verified Add this value? No earlier versions What does [s] mean? |
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 Bitrefill Card · Xkard Card: promotions and bonuses as well as warnings and incidents.