Comparison
Exactly Card vs. XPlace Card: fees, limits & KYC
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exactly.app29 Oct 2026
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XPlace CardXPlace
In short
- XPlace Card has the lowest foreign currency fee (1 %).
- Exactly Card ask for the least (No ID).
- Exactly Card has the higher score (65.02).
| Attribute |
Exactly CardExactly
KYC free (limited)
Private
Virtual
|
XPlace CardXPlace
Requires KYC
Virtual
Physical
|
|---|---|---|
| Score | good | average with variant Silver: 52.9 with variant Gold: 47.82 with variant Platinum: 49.05 |
| CostsWeight 25 % | 64 | 83 |
| KYC and privacyWeight 20 % | 70 | 18 |
| FeaturesWeight 15 % | 80 | 73 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 30 |
| TrustWeight 10 % | 81 | 85 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID, full verification for higher volumes | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
credit
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
After downloading the Exa App, going through KYC, and adding funds, a credit card is created.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit
x.place checked 29 Oct 2026
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x.place
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Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
The Exa Card is a virtual card available in 180+ countries.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
x.place checked 29 Oct 2026
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x.place
Wording at the source
Virtual card: minutes after sign-up. Physical card: 7–14 business days depending on the region. Silver physical cards are live. Gold and Platinum coming soon.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network |
Visa
exactly.app checked 29 Oct 2026
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exactly.app
Wording at the source
A free VISA Signature credit card backed by your digital assets. Fixed rate interest installments. Available instantly on the Exa App.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
x.place checked 29 Oct 2026
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x.place
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Borrow against your assets. Spend anywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
self-custody
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
Simply download the Exa App, complete a quick KYC process, transfer funds to your self-custodial wallet, and integrate your Exa Card with Apple Pay or Android Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
x.place checked 29 Oct 2026
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x.place
Wording at the source
No. Your funds sit in your self-custodial wallet. Yield assets are deployed into audited DeFi protocols (Kamino Finance), where you remain the on-chain owner. XPlace cannot freeze, seize, or move your...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
credit line
help.exactly.app checked 29 Oct 2026
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Source
help.exactly.app
Wording at the source
When you configure the pay mode to be in installments, every time you make a purchase, the Exa App borrows the amount needed from Exactly Protocol's fixed-rate lending markets, converts it to USD, and...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit line
x.place checked 29 Oct 2026
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Source
x.place
Wording at the source
Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
help.exactly.app checked 29 Oct 2026
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Source
help.exactly.app
Wording at the source
When you configure the pay mode to be in installments, every time you make a purchase, the Exa App borrows the amount needed from Exactly Protocol's fixed-rate lending markets, converts it to USD, and...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Usage (differs) |
personal
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
You will use the Exa Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor |
Third National
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
x.place checked 29 Oct 2026
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x.place
Wording at the source
The XPlace Visa card is issued by Third National under a programme managed by Signify Holdings, Inc.; fiat services are provided by regulated third-party partners; borrowing is executed by the Kamino...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
KYC level
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
#### Can I upscale my account and expand my limits? Of course, you will need to add documentation that accredits your address and licits funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
plan
x.place checked 29 Oct 2026
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x.place
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Basic Annual fee Free Monthly limit $2,000Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) | unknown |
not published
x.place checked 28 Oct 2026
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x.place
Wording at the source
Anywhere Visa is accepted – in store and online. Apple Pay and Google Pay work natively. The card does not work in restricted countries; you can view the list via the link.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
ETH, USDC, OP, WBTC, Wst E T H
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
The Exa App supports deposits in USDC, ETH, WBTC, wstETH, and OP.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL
x.place checked 29 Oct 2026
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x.place
Wording at the source
XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
only in the app
help.exactly.app checked 29 Oct 2026
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Source
help.exactly.app
Wording at the source
Which networks are supported? The feature covers multiple mainnets including Ethereum, Optimism, Base, Arbitrum, Polygon, and Worldchain, with coverage varying by token. For example, USDC is available...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Solana
x.place checked 29 Oct 2026
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Source
x.place
Wording at the source
XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up | unknown | |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
You can access your card details from the card screen; this data is required to make online purchases or add your card to Google Wallet or Apple Wallet to start using it in-store.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
x.place checked 29 Oct 2026
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x.place
Wording at the source
Anywhere Visa is accepted – online, offline. Apple Pay and Google Pay native.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
Yes
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
Yes — you can now withdraw cash at any ATM that supports contactless (NFC) technology using your Exa Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Contactless |
Yes
exactly.app checked 29 Oct 2026
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exactly.app
Wording at the source
### Go buy Contactless in-store or onlineChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
x.place checked 29 Oct 2026
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x.place
Wording at the source
Tap on your terms 03 Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | unknown | |
| Physical card issuance (differs) |
not applicable
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
No, there are no physical cards available at the moment.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
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
No, there are no physical cards available at the moment.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) |
Standard:
unknown
1 more country/regionUnited States: 0.00 USD help.exactly.app checked 29 Oct 2026 Source and check Source help.exactly.app Wording at the source| Annual Fees | 0% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
x.place checked 29 Oct 2026
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x.place
Wording at the source
Basic Free $2K 0,5% 1%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
99.00 USD
x.place checked 29 Oct 2026
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x.place
Wording at the source
Silver $99/y $10K 1% 0,5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
249.00 USD
x.place checked 29 Oct 2026
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x.place
Wording at the source
Gold $249/y $200K 1,5% 0,25%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
999.00 USD
x.place checked 29 Oct 2026
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x.place
Wording at the source
Platinum $999/y $750K 2% 0%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
Standard:
1.5 %
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
Every transaction you make with your card in a currency that is not USD has a 1.5% FX fee (foreign transaction fee) included in the currency rate.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 1 more country/regionUnited States: 1 % help.exactly.app checked 29 Oct 2026 Source and check Source help.exactly.app Wording at the source| Transaction Fees • Balance Transfer • Cash Advance • International Transaction | N/A None 1% of each transaction in U.S. dollars. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
x.place checked 29 Oct 2026
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x.place
Wording at the source
Basic Free $2K 0,5% 1%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0.5 %
x.place checked 29 Oct 2026
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x.place
Wording at the source
Silver $99/y $10K 1% 0,5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0.25 %
x.place checked 29 Oct 2026
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x.place
Wording at the source
Gold $249/y $200K 1,5% 0,25%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0 %
x.place checked 29 Oct 2026
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x.place
Wording at the source
Platinum $999/y $750K 2% 0%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
0.65 % + 1.00 USD
help.exactly.app checked 29 Oct 2026
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help.exactly.app
Wording at the source
- Fees: $1 + 0.65% per transactionChecked 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 | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | unknown | |
| 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).
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