The EEA crypto card built for MultiversX holders

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you have been looking for an ordinary bank card and finding the door closed, a crypto payment card is one of the routes people now take — and xPortal is one of the cards on that route. But crypto cards are not interchangeable. They differ in who they accept, what they charge, what they let you hold and how you get your money out. My job here is to walk you through this particular card so you can decide whether it fits your situation before you spend an afternoon on an application.

The conditions described below are current as of October 28, 2026.

What I found is a card with strong everyday mechanics — a physical Mastercard Debit, Apple and Google Wallet, free card payments, and a generous monthly cash-withdrawal allowance — wrapped in a product whose paperwork is patchy in places and whose pricing leans on fees that are only partly spelled out on the marketing page. The card is clearly built for residents of the European Economic Area who already hold or use EGLD and other coins. Whether it works for you depends less on the technology than on three things: whether you are in a supported country, which coins and networks you hold, and how much you actually need a physical, internationally accepted payment card.

Verdict: a solid everyday card inside an incompletely documented wrapper

I score the xPortal card 6.4 / 10. It is a competent, no-nonsense payment card for the European Economic Area that converts and spends crypto, with a real Mastercard Debit in your hand and decent ATM access — but its official pages leave too many numbers blank, and the cashback headline on the card page contradicts itself. That combination — genuinely useful day to day, thin on disclosure — is where the score comes from.

To be clear about who this is for: xPortal suits EEA residents who want to hold and spend EGLD or other supported coins through a familiar Mastercard Debit, and who are comfortable managing a crypto wallet through an app. It does not suit you if you need a fully disclosed fee schedule, a country list you can check against your own passport, or a card whose rewards headline is consistent. If predictability of cost matters more to you than the coin ecosystem, look at the alternatives at the end of this review.

Here is how the score breaks down by criterion:

You will notice that the everyday-use mark is the highest and the eligibility mark the lowest. That is the honest shape of this card: what it does once you have it is good; whether you can get it, and on what exact terms, is the murky part.

Will they give you the card?

Short answer: probably, if you live in the European Economic Area — but the card’s own public pages never actually publish the country list, so you cannot confirm your eligibility before applying. The official card page does not state which countries qualify. What it does show is delivery priced for two zones: “RO” (Romania) and “INT” (international). The terms add only a caution, saying access “may not be available to you … in certain regions,” without naming any of them.

Third-party sources — and I want to flag clearly that these are unofficial, not confirmed by the card — report that xPortal is available in 29 EEA countries and is restricted in Canada, Iran, North Korea, Switzerland, the United Kingdom and the United States. The same third-party page is internally inconsistent about Germany, so treat even that list as indicative rather than definitive.

For a reader in the general position — anyone, anywhere, who has trouble getting an ordinary bank card — this is the first real gate. My advice is to attempt the sign-up flow and see what the app itself says about your country, rather than relying on any published list. That is the only answer the card actually gives you.

Fees and limits: what it really costs

The card is free to issue and free to use for ordinary card payments, but the everyday costs pile up from three places: delivery if you want the physical card, a 1.49% fee to buy crypto, and a currency fee of up to 2.5% on exchange. Let me give you the numbers, then walk through three ordinary payments so you can see which fees actually bite.

Here is the costs picture, drawn from the card’s fees document and card page:

There are four things in that table I want to draw your attention to, because they are exactly where a reader can be caught out.

First, the delivery fee is stated differently on two official pages. The card page quotes EUR 5.99 for Romania and EUR 9.99 internationally; the fees PDF quotes a first physical card at EUR 9.99 plus EUR 5.99 delivery in Romania or EUR 12.99 international. Neither number is obviously the whole story, so treat the physical card as costing somewhere in the EUR 15 to EUR 23 range plus, and check the current figure in the app.

Second, the currency fee is a ceiling, not a fixed rate. “Maximum 2.5%” is applied to the exchange rate and varies by transaction, merchant, geography and campaigns. If you are spending euro in euro-zone shops, this may not bite at all; if you are spending a crypto balance abroad, it is the number that matters most, and it is also the one the card describes least precisely.

Third, the daily spending limit and the top-up limits contradict themselves between the fees PDF and the card page. The fees PDF says card spending has “no limit”; the card page says EUR 5,000 a day. For top-ups the two pages differ by a factor of two. Nobody at the card has publicly reconciled these, so plan on the lower number rather than the higher one.

Fourth, the cashback figure is internally inconsistent on the same page — it says both “up to 0.5%” and “up to 5%.” I cannot tell you which is real.

Three everyday payments, and which fees apply

Buying a coffee in a euro-zone café. You tap the Mastercard Debit or your virtual card. Card payments are free, so a purchase in the euro area costs you nothing beyond whatever the café charges. The FX fee does not apply because you are not converting. This is the card at its cleanest.

Paying an online subscription priced in dollars. Here you spend a crypto-backed balance, so a conversion is involved. The FX fee of up to 2.5% applies to the exchange rate, and its exact size depends on the transaction type and the merchant. This is the single most common real cost you will meet, and the one the card explains least. Budget it as a possible 2.5% haircut on non-euro spending.

Buying crypto through the app. If you use the in-app purchase, a crypto purchase fee of 1.49% via xMoney applies on top. If you instead top up directly from crypto you already hold (covered next), this fee does not apply — but you need to already own the asset.

The bottom line on cost: free to hold, free to spend in the euro zone, but with a meaningful currency fee when you spend abroad or in another currency, a modest delivery charge if you want the plastic, and a set of limits the card has not cleanly documented.

How to top up

You can top up with nine listed coins or with a debit or credit card, and the minimum fiat top-up is EUR 10 — but the networks you can send on are not stated anywhere on the public pages, which is the single most important gap in this section.

The coins the card names are BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA and SUI. Alongside these, you can add fiat — for example euros — free of charge, and you can top up from a debit or credit card. The crypto purchase fee of 1.49% via xMoney applies when you buy crypto through the app; topping up with crypto you already own does not carry that fee.

What is not stated, and what I would want to know before sending anything:

• The networks. The card lists coins but not which chain to send them on. If you send USDT on the wrong network, the transfer is generally irreversible and may be lost or need manual recovery.
• Stablecoins. Despite stablecoins being the usual bridge into a euro balance, the card does not name which, if any, are supported for top-up.
• Who pays the network fee. It is not stated whether the card covers the on-chain fee for your deposit or whether it comes out of your balance.

On limits, the fees PDF is the more detailed document: EUR 5,000 a day and EUR 25,000 a month across all top-up methods, against the card page’s EUR 2,500 and EUR 10,000. Plan on the lower figures.

One more thing not stated: how to withdraw money out to a bank account. The help centre has articles on cancelling the Debit Card and on locked or closed accounts, but the public pages do not describe a withdrawal process. If cashing out is important to you, ask support before you commit.

Paying with it every day

Everyday use is this card’s strongest suit: a physical Mastercard Debit plus virtual cards, accepted by Apple Wallet and Google Wallet, with a free card payment and a real ATM allowance. I scored this category 9 out of 10 and I want to explain why.

What you get:

• Virtual cards branded xPortal, MultiversX or Sui, and a physical card, which is a Mastercard Debit.
• Apple Wallet and Google Wallet support — the Apple Pay and Google Pay logos appear on the card page, so you can add the card to your phone’s wallet and pay by tokenised device number rather than handing over the card.
• Card payments are free, which is rarer in the crypto-card category than you might expect.
• ATM withdrawals up to EUR 500 a month are allowed; the first EUR 200 of withdrawals each month is free, and above that it is 2% plus EUR 1.

The high-risk merchant fee is worth knowing about too: payments to high-risk merchants, such as gambling, carry a fee of up to 3% with a minimum of EUR 1. The card does not publish a list of blocked merchant categories, so you cannot know in advance which shops will decline you or charge extra.

On the app itself: the iOS app holds an App Store rating of 4.8 out of 5 from 1.8K ratings (read 2026-10-20), runs on iPhone and iPod touch with iOS 15.1+ and Apple Vision, and is offered in 30 languages including Russian. The card page also lists Google Play and Huawei AppGallery and shows an App Store figure of 4.9 — the page’s own number, which differs from the 4.8 I read in the store. The Google Play rating was not read.

Rewards work like this: cashback is paid in $EGLD or $UTK depending on whether you stake, and there are tier levels (a “Tier 2” appears only in an image, and cashback depends on staking). But as noted, the same page carries both “up to 0.5%” and “up to 5%,” so do not plan a budget around either number. Unofficial sources suggest only the entry tier is live with cashback up to 0.5%, and that the 5% figure belongs to higher, not-yet-live tiers.

What can go wrong

The main risks here are disclosure gaps rather than scandals: a patchy fee schedule, conflicting numbers across official pages, an unstated network list, and an issuer and custody arrangement the card does not clearly spell out.

Let me take these in order of how likely they are to affect you.

Contradictory official information. The delivery fee, the daily spending limit, the top-up limits and the cashback percentage all appear in more than one version on the card’s own pages, and the versions disagree. This is not fraud, but it means you should not rely on a single number before you have money or a card in hand.

The unstated network list for top-ups. This is the risk I would weight most heavily. Sending crypto on the wrong chain, or a chain the card does not support, is generally irreversible. If the card will not tell you which networks it accepts, you are choosing blind — unless the app itself enforces it at the point of transfer, which you should confirm for yourself.

Unclear custody and issuer. The site footer names xPortal Labs, and the terms name xPortal Equity A.G. as the operator. The issuer and its licences are not stated officially. Unofficial sources name Capital Financial Services S.A. (Twispay) as the issuer, licensed as an electronic money institution IEME-RO-0001 by the National Bank of Romania, and attribute development to MultiversX. Because this is unofficial, verify it against the register yourself. This matters: an e-money institution must safeguard customer funds by segregating or insuring them, but such funds are not the same as a bank deposit and may not sit under a deposit guarantee scheme. And whoever holds your private key controls your crypto — if that is the provider rather than you, you are trusting them completely.

Slow support and verification friction. I found no official Trustpilot or Reddit complaints about the card. Unofficial reports, however, mention slow support response times, and there is room for improvement in the verification process and seed-phrase visibility. If verification is difficult for you, budget extra patience. The help centre directs KYC problems to an in-app chat and to [email protected]; a lost or stolen card has a 24/7 phone line.

A dispute you cannot win cheaply. An unjustified chargeback costs EUR 20, and there is a fee on high-risk merchant payments. If you do not recognise a transaction, the help centre has articles on cancellation and duplicates, but the time frames for resolving a dispute are not stated, and one article says a transaction cannot be cancelled once initiated.

The category’s own history. It is worth remembering that crypto card programmes do close. Visa terminated its global agreements with FTX in November 2022, and WaveCrest, a Visa issuer for several crypto brands, was suspended in Europe in 2018. A closure typically means a notice period, then spending and loading stop, then you are asked to withdraw your balance. I found no dated official licence or issuer events for xPortal — the only dated item is the fees and limits page effective 2 July 2024 — so there is no public warning sign here, but the mechanism is worth keeping in mind.

Alternatives worth comparing

If any of the above gives you pause, these are three other crypto cards I looked at, with their own trade-offs.

BloFin Wallet Card scores marginally higher than xPortal (6.9). It is a Visa Platinum virtual card with essentially zero account fees — activation, annual, issuance and dormancy are all $0.00, and cancellation is free. Its spend fee is “1% or lower” depending on your VIP tier, charged at payment (from 1.00% at VIP 0 down to 0.00% at VIP 5), and its FX fee is not stated. You top up with USDT or USDC on Arbitrum or Base. It pays no cashback — the pitch is a reduced spend rate instead. Its country list is also not published on the card page (the app asks you to “select your country or region”), though a starting dataset lists 35 countries including the US, Australia, Japan, the UAE, Brazil, Mexico, Malaysia and New Zealand. Like xPortal, it does not state whether eligibility turns on citizenship or residence.

Decaf is a Visa card, virtual or physical (physical ships with tracked delivery), with no annual or monthly fee. The virtual card is $5 worldwide; the physical is $10 in the US or $90 elsewhere. Its distinguishing feature is FX: Decaf adds no fee of its own — “the FX is the one Visa offers.” You can fund a payment by card, bank transfer or USDC; the app runs on Solana and Stellar. What is not stated is which coins and networks top the card itself, the card currency, and whether the restricted-country rules apply by citizenship or by residence. It publishes an unusually long restricted list: Belarus, China, North Korea, India, Iran, Iraq, Israel, Myanmar, Nepal, Russia, Syria, Turkey, Cuba, Ukraine, Venezuela, Vietnam, Nicaragua, Puerto Rico, Nigeria, plus a set of US states.

SafePal is a virtual Mastercard debit with no account creation or management fees. Its standard top-up fee is 0%, but there is a 1% FX fee for Mastercard non-USD settlement and a 1 USD/EUR/CHF/7 CNH refund processing fee; swaps include an unquantified spread, though its bank page elsewhere advertises crypto top-up “as low as 0.4%” on the top tier. You fund from 40+ blockchains, converted to USDC (default) or fiat, with transactions on Arbitrum. It pays no cashback. Its eligibility wording is “citizens of supported regions who live in supported areas,” but the region list was empty when I fetched it — so in practice you would be applying blind there too.

Where does this leave xPortal among the four? It is the one most clearly oriented around the MultiversX/EGLD ecosystem, it is free to issue and free to spend in the euro zone, and it has the strongest ATM and everyday-use story. What it gives up against the field is transparency: BloFin, Decaf and SafePal each publish more of their fee structure in one place than xPortal does across all of its pages.

Who I would recommend it to

I would point you at the xPortal card if you are an EEA resident, you already hold or actively use EGLD or one of the other supported coins, you want a physical Mastercard Debit for everyday spending and cash withdrawals, and you are comfortable managing crypto through an app while accepting that some of the fine print is not fully published. In that situation it is a genuinely capable card and the 9/10 I gave everyday use is not exaggeration.

I would point you away if any of the following matter to you: a fee schedule you can read end to end before committing, a published country list, stablecoin top-ups with named networks, cashback you can bank a number on, or a clear answer on who custodies your crypto and under whose licence. If transparency is your priority, the BloFin Wallet Card or Decaf publish their headline costs more plainly, even if neither carries xPortal’s MultiversX focus.

And if your situation is that you simply cannot open an ordinary bank card, then xPortal is a plausible tool — but treat the verification step as the real gate, keep your expectations of the reward headline low, and confirm the top-up network in the app before you send your first coin.

Frequently asked questions

What is the xPortal card?

The xPortal card is a crypto payment card that converts or accepts crypto into a spendable balance. You get virtual cards and a physical Mastercard Debit that draw on that balance, which behaves more like a prepaid card than a bank debit card — it spends only what you have loaded, so it cannot overdraw. The card is operated by xPortal Equity A.G. according to its terms.

How does the xPortal card work at checkout?

You tap the physical Mastercard Debit or add a virtual card to Apple Wallet or Google Wallet and pay as you would with any bank card. Card payments are free. If your balance is denominated in crypto, the purchase converts it, and the currency fee of up to 2.5% applies to the exchange rate on non-euro spending. Spending is limited to whatever balance you have topped up.

Is xPortal a bank?

No — it presents as an e-money and crypto service, not a bank. Its terms name xPortal Equity A.G. as operator of xPortal. Unofficial sources name Capital Financial Services S.A. (Twispay) as the card issuer under electronic money institution licence IEME-RO-0001. You should verify that issuer and its licence in the relevant public register yourself.

Who owns xPortal?

The website footer names xPortal Labs, and the terms name xPortal Equity A.G. as the entity operating xPortal. Unofficial reporting attributes the product’s development to MultiversX, which is consistent with the card’s MultiversX branding and its support for EGLD. None of the ownership details beyond the operator are confirmed on the card’s official pages.

Does the xPortal card require KYC?

The card’s own pages do not state its KYC requirements. Unofficial sources describe full identity verification before issuance, including ID and proof of address. The help centre confirms that if you cannot complete KYC you should contact support, and it carries articles on source-of-funds checks and tax identification numbers — so verification is clearly part of the process, even though the specifics are unpublished.

Is the xPortal card free?

Issuing the card is free, and card payments are free. Costs accumulate elsewhere: delivery for the physical card (figures differ between EUR 5.99 and EUR 12.99 depending on zone and page), a 1.49% fee to buy crypto via xMoney, a foreign exchange fee of up to 2.5%, and an ATM fee of 2% plus EUR 1 above EUR 200 a month. No monthly or annual fee is stated.

How do I top up the xPortal card?

You can add fiat (such as euros) free of charge with a EUR 10 minimum, top up from a debit or credit card, or deposit BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI. Note two gaps: the networks for crypto deposits and which stablecoins are accepted are not stated on the public pages, so confirm these in the app before sending. Top-up limits are listed as EUR 2,500–5,000 a day and EUR 10,000–25,000 a month depending on the page.

Is the xPortal card safe?

It is an e-money product, not a bank deposit, so your funds are safeguarded rather than bank-insured. The card does not clearly publish who holds your crypto keys, which matters because whoever holds the key controls the funds. It does offer sensible card safeguards — instant freeze and unfreeze in the app, spending limits, and tokenised mobile wallets — and I found no official complaints against it. Verify the issuer’s licence independently.

Can I use the xPortal card in my country?

The card’s official pages never publish a country list — they only price delivery for Romania (“RO”) and internationally (“INT”), and warn that access may not be available in certain regions. Unofficial sources say 29 EEA countries are supported, with Canada, Iran, North Korea, Switzerland, the UK and the US restricted. The only reliable check is the sign-up flow itself, which will tell you whether your country is accepted.

Is the xPortal card worth it?

For EEA residents already holding EGLD or similar coins who want a free Mastercard Debit with free euro-zone spending, free withdrawals up to EUR 200 a month and a 500-euro monthly ATM ceiling, the everyday case is strong. Against that, the fee pages contradict themselves on delivery, spending limits and cashback, the top-up networks are unpublished, and the reward headline is unreliable. Decide based on whether you tolerate that disclosure for the ecosystem access.

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