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Image source Source xkard.io Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Xkard

Xkard Card

KYC unknown Virtual Physical

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To Xkard

Basicsxkard-card

Card form
prepaid 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
unknown
Card network
unknown
Custody
custodial 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
unknown
Card currencies
unknown
Usage
unknown
Limits depend on
plan 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
Mobile wallets
Apple Pay Google Pay 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
unknown
Contactless
Yes 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 and variants

Attribute Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Essential 10.00 USD /year 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? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Premium 58.00 USD /year 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? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Whale 70.00 USD /year 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
Card types virtual 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 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 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?
ATM withdrawals unknown Yes 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 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?
Fees
Virtual card issuance unknown
Physical card issuance unknown
Shipping unknown
Monthly fee unknown
Top-up fee 2.1 % 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? ↳ Topping up 100.00 USD: 2.10 USD ↳ Topping up 1,000.00 USD: 21.00 USD 1.8 % 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? ↳ Topping up 100.00 USD: 1.80 USD ↳ Topping up 1,000.00 USD: 18.00 USD 1.2 % 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? ↳ Topping up 100.00 USD: 1.20 USD ↳ Topping up 1,000.00 USD: 12.00 USD
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee unknown
Minimum FX fee unknown
ATM fee unknown
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback unknown
Limits
Spending per year 50,000 USD 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 Value wrong? No earlier versions What does [s] mean? 250,000 USD 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 Value wrong? No earlier versions What does [s] mean? 1,000,000 USD 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 Value wrong? No earlier versions What does [s] mean?
ATM per transaction (physical card) – 1,500 USD 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 Value wrong? No earlier versions What does [s] mean? 1,500 USD 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 Value wrong? No earlier versions What does [s] mean?
ATM per day (physical card) – 1,500 USD 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 Value wrong? No earlier versions What does [s] mean? 1,500 USD 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 Value wrong? No earlier versions What does [s] mean?
ATM per day (physical card, number) – 30× 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 Value wrong? No earlier versions What does [s] mean? 30× 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 Value wrong? No earlier versions What does [s] mean?
ATM per month (physical card) – 15,000 USD 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 Value wrong? No earlier versions What does [s] mean? 15,000 USD 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 Value wrong? No earlier versions What does [s] mean?

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. Requirements not published

    1. Private KYC via Verinex at Xkard

      Source and check Source xkard.io Wording at the source If we don't need a piece of data, we don't ask for it. When a card requires verification, Verinex verifies your identity and XHYPE receives only the result it needs. Checked Verified Add this value? History What does [s] mean?

      not published

The limits are listed per variant in the table variants and fees

Xkard states that it does not offer a KYC-free card.

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in unknown
Residency requirement Availability depends on your country of residence and nationality when you apply. Source and check Source xkard.io Wording at the source XHYPE physical and virtual cards can be ordered from 203 countries and territories. Availability depends on your country of residence and nationality when you apply. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • Germany unknown
  • Austria unknown
  • Switzerland unknown
  • United States unknown
  • United Kingdom unknown
  • France unknown
  • Spain unknown
  • Italy unknown
  • Netherlands unknown
  • Türkiye unknown
  • Brazil unknown
  • Nigeria unknown
  • India unknown
  • United Arab Emirates unknown
  • Singapore unknown

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets unknown
Number of supported assets unknown
Top-up networks Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base 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?
Spending order unknown
Fiat top-up unknown

Bonuses and promotions

What Xkard offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

Referral bonus

  • You (referrer)

    only in the app

    How:
    in the app
    all cards of Xkard
    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 What does [s] mean?
  • Invited friend

    only in the app

    How:
    in the app
    all cards of Xkard
    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 What does [s] mean?

Trust

AttributeValue
Issuer / BIN sponsor unknown
Program manager unknown
Headquarters Available in: United Arab Emirates Source and check Source xkard.io Wording at the source This site is operated by XHYPE FZCO, based in Dubai Silicon Oasis, United Arab Emirates. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels Telegram Source and check Source xkard.io Wording at the source Support is available 24/7 in English and Spanish, on Telegram only: @xhype_support. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Company

Headquarters United Arab Emirates Source and check Source xkard.io Wording at the source This site is operated by XHYPE FZCO, based in Dubai Silicon Oasis, United Arab Emirates. Checked Verified
Legal form FZCO Source and check Source xkard.io Wording at the source This site is operated by XHYPE FZCO, based in Dubai Silicon Oasis, United Arab Emirates. Checked Verified
Registered address Dubai Silicon Oasis, United Arab Emirates Source and check Source xkard.io Wording at the source This site is operated by XHYPE FZCO, based in Dubai Silicon Oasis, United Arab Emirates. Checked Verified

Transparency

Transparency 43 %

0 of 7 key values not published

  • Imprint / company details: no
  • Public fee schedule: no
  • Cardholder agreement: no
  • Terms and conditions: yes
  • Terms with version or date: no

Sources last checked 2026-10-29

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

How the score is made up

64.34 of 100 · average

Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

The score uses the entry variant Essential; sorting stays with it. With another variant: Premium 64.09 · Whale 64.84

Methodology and weights
  1. CostsWeight 25 %
    77/100
    19.1 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    –
    not scored counts neutral (10.0)

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    83/100
    12.5 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    –
    not scored counts neutral (5.0)

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    77/100
    7.7 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % not scored
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 43
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at Xkard Card and Xkard, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 57.71 to 64.34.

  • New logo.

  • New: Referral bonus · Invited friend.

  • New: Referral bonus · You (referrer).

  • Changes to limits.

  • Score changed from 59.38 to 57.71.

  • Headquarters: United Arab Emirates.

  • Score changed from 63.38 to 59.38.

  • Changes to KYC levels and requirements.

  • Score changed from 59.3 to 63.38.

  • Changes to KYC levels and requirements.

  • New card image.

  • New logo.

  • Changes to licences.

Apply for Xkard Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Xkard