# Fold Card vs. xPortal Card: fees, limits & KYC

- Fewest documents: Fold Card (ID document).
- Fold Card has the best score (60.89).

Entry variant: xPortal Card: Mint.

## Basics

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| **Card form** | prepaid | debit |
| Card types | virtual, physical | virtual, physical |
| **Card network** | Visa | Mastercard |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | USD | EUR |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Sutton Bank (Member FDIC) | Capital Financial Services S.A. |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| **Supported assets** | BTC | BTC, ETH, SOL, BNB, DOGE, POL, SUI, EGLD, BERA |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | Yes | Yes |

## Payments

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | unknown |

## Fees

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | 3.00 EUR |
| **Physical card issuance** | 0.00 USD | 9.99 EUR |
| Free cards | unknown | unknown |
| Shipping | unknown | 5.99 EUR – 9.99 EUR |
| Monthly fee | 0.00 USD | 0.00 EUR |
| Annual fee | 0.00 USD | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | 1 % | unknown |
| Foreign currency fee | unknown | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | 3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.) | unknown |
| Transaction fee | free | unknown |
| 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 | 0.00 USD | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0. | unknown |
| **Card replacement** | 5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.) | 5.00 EUR |

## Rewards

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| **Cashback** | 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · in BTC | 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) | 10 USD | unknown |
| Referral bonus (you) | $5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use. | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Fold Card | xPortal Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per 24 hours 15,000 USD · Top-up per day 15,000 USD · Spending per transaction 15,000 USD | Top-up per day 2,500 EUR · Top-up per month 10,000 EUR · Spending per day 5,000 EUR |

- [Fold Card](https://cryptocardss.com/en/fold-card.md)
- [xPortal Card](https://cryptocardss.com/en/xportal-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/fold-card-vs-xportal-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/fold-card-vs-xportal-card/