Comparison
Fold Card vs. xPortal Card: fees, limits & KYC
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foldapp.com29 Oct 2026
Image source
Source
foldapp.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Fold CardFold
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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
- Fold Card ask for the least (ID document).
- Fold Card has the higher score (60.32).
| Attribute |
Fold CardFold
Requires KYC
Private
Virtual
Physical
|
xPortal CardxPortal
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 90 | 93 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 77 | 98 |
| AvailabilityWeight 10 % | 17 | 23 |
| RewardsWeight 10 % | 35 | 4 |
| TrustWeight 10 % | 90 | 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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton BankChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs) |
Visa
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 |
custodial
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds).Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD").Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Card is for personal use only. You agree not to use the Card for business purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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) |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
BTC
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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 |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 (differs) |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee (differs) |
1 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Foreign currency fee | unknown | |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
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.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Transaction fee (differs) |
free
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked 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 | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee (differs) |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Minimum monthly spend | unknown | |
| Inactivity rule (differs) |
The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0.
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card replacement (differs) |
5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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) | 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) (differs) |
10 USD
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spinsChecked Verified Value wrong? History What does [s] mean? |
|
| Referral bonus (you) (differs) |
$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.
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and...Checked Verified Value wrong? History 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
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