A closer look at the xPortal card — fees, top-up coins, who can get one, and what to watch for

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

xPortal is a mobile crypto wallet with a built-in Mastercard debit card: a virtual one issued in seconds inside the app, and a physical one you can order for everyday use. The card spends the balance you keep inside xPortal, which can be topped up with the coins the app supports or with a debit or credit card. The proposition is simple in principle — load crypto, pay in euros wherever Mastercard is accepted — but the small print on fees, eligibility and which coins actually fund the card is where the real story sits. In this review I work through what xPortal’s own pages and fees document say, what they leave unsaid, and where third-party information fills in the gaps, so you can judge whether the card fits your situation before you sign up.

Conditions are current as of October 28, 2026.

Verdict

xPortal earns 6.4 out of 10 in this review. That is a respectable middle-of-the-pack score for a crypto-to-Mastercard card, and it reflects a real split: the everyday mechanics of paying are well thought out, while the published information about who can get the card, what cashback you actually earn and which coins fund the balance is thin. I think of it as a card that works smoothly once you are inside the EEA and once you understand the staking and token details, and a card that asks you to take several things on trust before you get there.

The scorecard below shows how the criteria break down, with the marks based on my assessment. After the table I explain what each line means in practice.

Who this card suits, in my reading, is someone who already lives in the EEA, holds EGLD or a few of the other supported coins, and is comfortable with the staking-dependent cashback the entry tier offers. The card suits you less if you live outside Europe, if you want a published cashback rate that does not depend on how much $EGLD or $UTK you stake, or if you want a clean, plain-language table of every fee you might pay — because the card page and the fees PDF do not fully agree, and the help center only shows article titles for several questions I would want answered before I applied.

I would not call the xPortal card a beginner’s product, but I also would not call it a specialist’s product. It sits between the two: a wallet-first experience where the card is a natural extension, and where the wallet itself is the part you need to understand before the card makes sense.

Will they give you the card

Eligibility is the part of xPortal I had to work hardest to pin down, and the answer is partly “the card’s own pages do not say”.

The card page does not publish a country list. It only tells you that delivery is priced in two ways — “RO” (Romania) at EUR 5.99 and “INT” (international) at EUR 9.99 — and the terms of access say the card “may not be available to you … in certain regions”, without naming them. So strictly from what xPortal publishes, the only answer I can give you is that the country question is unsettled on the card’s own pages.

Unofficial sources give a more useful picture, and I want to be clear that these are not confirmed by the card. Third-party sites report that xPortal is available in 29 European Economic Area countries and is restricted in Canada, Iran, North Korea, Switzerland, the UK and the US. The same sources are internally inconsistent about Germany, so treat the list as indicative rather than definitive. If you live in a country not on the unofficial EEA list, the safe working assumption is that the card is not available to you today.

Age and residency are the other two conditions you would normally expect, and neither is spelled out on the card page or in the terms. The card page also does not state what KYC steps you go through, what tier of verification is required, how long it takes or why an application might be rejected. The help center has articles titled “Source of funds check” and “Why do I have to provide my tax identification number?”, which tells me those checks exist, but the answers are not in the publicly searchable content. A third-party write-up of the onboarding process says full KYC is required before the card is issued and that you will be asked for an ID document and a proof of address; I would plan for that to be the case even if I had not seen that report.

The simplest reading is this: xPortal’s official position is “we will tell you during the sign-up flow whether the card is available where you are”, and the unofficial reading is that the card is essentially an EEA product with a few specific carve-outs. If you are in the EEA and you have a government-issued ID and a proof of address, you should be able to get through the door. If you are anywhere else, do not assume you can.

How to get it

The sign-up flow is the part xPortal does not document on the card page, so the picture below is partly from the help center and partly from a third-party source, and I flag each line accordingly.

You start by installing the xPortal app, which is available on the App Store, Google Play and Huawei AppGallery. The card page itself shows an App Store rating of 4.9 in its own graphic, but the live App Store figure is 4.8 out of 5 from about 1,800 ratings (read on 2026-10-20), and the app supports 30 languages including Russian. I would treat the on-page 4.9 as marketing artwork rather than the live rating; the 4.8 is the number to rely on.

Once you are in the app, you create a wallet, complete KYC, and then order a card. The card product is “Mastercard Debit”, and the page describes both a virtual card — issued in seconds and usable online or in mobile wallets — and a physical card that arrives by post. The virtual cards carry xPortal, MultiversX or Sui branding depending on the design you pick. The card currency is euro by implication, because the page graphic shows a euro-denominated card, but the card page does not state the currency explicitly. For practical purposes, expect the card to be a euro card; if you are paid or hold balances in another currency, the FX conversation below is what you need to read.

Ordering the physical card is where the two official pages diverge. The card page itself says delivery costs EUR 5.99 inside Romania and EUR 9.99 internationally. The fees PDF (the Standard Mint Account fee schedule, effective 2 July 2024) describes the first physical card as EUR 9.99 plus delivery, with delivery at EUR 5.99 for Romania and EUR 12.99 for international. Those two are not the same number, and the fees PDF is the more detailed document. I would read it as: the card is free to issue, and the all-in cost to receive it is somewhere between about EUR 6 (Romania) and about EUR 23 (international), depending on which document you trust. Help center articles exist on delivery time and replacement cost but the answers are not in the searchable text, so I cannot give you a number for either.

KYC itself, again, is not described on the card page. The help center tells you that if you cannot finish verification, the routes back into a human are in-app chat, an email to [email protected], and a separate [email protected] address that surfaces on another help page. If you have ever had trouble opening a regulated account — a name mismatch on a utility bill, an old address on your ID, a country your documents are not from — those are the levers you would pull.

What I would actually do, if I were applying:

• Install the app, start KYC, and only after the system says it will issue you a card order the physical one. There is no point paying for delivery to a country that the system later rejects.
• Keep your proof of address recent (a utility bill or bank statement in your name, dated within the last three months) and your ID readable. This is the standard EU customer-due-diligence checklist and the card will ask for the same.
• Expect to be asked for a tax identification number, and expect a “source of funds” question at some point. The help center references both, even if the articles themselves are not public.

What it really costs

The card’s headline fees are clear enough. The details are not, because the card page and the fees PDF cover overlapping ground without agreeing on every number. Below is the costs table; values come from the card’s own pages and the fees PDF, and where the two disagree I have said so.

A few things to take away from that table. First, the cheapest realistic use of the card is: top up with crypto you already hold, pay in euros, withdraw under EUR 200 a month, and do not use the card for chargebacks. Second, the cost of a single foreign-currency payment is two layered fees: the FX fee (up to 2.5%) and, if you bought the euro balance by purchasing crypto inside xPortal, the 1.49% on that purchase. A 1.49% + 2.5% combined fee is not unusual in this category, but it is not cheap either, and it is what you actually pay when you convert coin to euro to dollar. Third, the card page and the fees PDF give different daily and monthly limits. The fees PDF is the more recent of the two documents (it is dated 2 July 2024), so I would lean on it for limits, but the disagreement is real and worth knowing about.

To make the cost concrete, here are three everyday payments and the fees that apply to each:

• A EUR 40 supermarket shop in Spain, paid with the virtual card at the till. No FX, no ATM, no chargeback. The fees PDF says card payments in the card’s currency are free, so the only cost is the 1.49% you already paid when you bought the crypto that funded the balance. If you topped up directly from a euro balance you already had in the app, this payment is free end-to-end.
• A USD 60 subscription paid to a US service. Two fees stack: the 1.49% (if you bought crypto on the way in) and the foreign exchange fee, up to 2.5%. Worst case, the EUR cost of the subscription is roughly USD 60 × the Mastercard rate × 1.025 × 1.0149. The Mastercard rate itself is not the rate you see on Google, and the help center has an article titled “What foreign exchange rate will I get?” whose answer is not in the searchable text.
• A EUR 250 ATM withdrawal on holiday in Greece. Above the EUR 200 free allowance, you pay 2% plus EUR 1, so about EUR 6 for that withdrawal. If you had planned around the EUR 200 free band, two withdrawals of EUR 100 would have been free, and that is the rule the fees PDF sets out.

One more cost worth knowing about is the high-risk-merchant fee. The fees PDF charges up to 3% with a minimum of EUR 1 on payments to high-risk merchant categories, with gambling given as the example. Whether the merchant category is “high-risk” is the merchant’s, not yours, and the fee shows up on the statement rather than at the till, so it is easy to miss.

Top up

The card page tells you that xPortal supports nine coins for top-up: BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA and SUI. It does not name the networks, and it does not name any stablecoin explicitly. If your balance lives in USDC or USDT, you should not assume either of them is the easiest way in — the official list of nine does not include either.

The fees PDF describes adding fiat (the example it gives is euro) as free, with a EUR 10 minimum top-up and a daily top-up ceiling of EUR 5,000 (or EUR 2,500 on the card page) and a monthly ceiling of EUR 25,000 (or EUR 10,000 on the card page). It also says you can top up from crypto or from a debit or credit card, with the crypto-purchase fee of 1.49% charged via xMoney when you buy crypto inside the app. Who pays the on-chain network fee for a crypto deposit is not stated, and I would treat that as a question for support before you send a large top-up.

The “how” matters here, and the card page is quiet about it. With a normal Mastercard debit card, you give the card details to your bank’s app and the bank pulls money from your account. With a crypto card, the typical path is one of three: (1) you buy crypto inside the app with a debit or credit card, pay the 1.49% purchase fee, and the resulting euro balance is what the card spends; (2) you transfer crypto in from another wallet, on a network the card supports, and the app converts it; (3) you fund a euro balance directly (the fees PDF implies this is possible) and the card spends that. Which of these is the default for you depends on what the app surfaces, and I would plan to fund a small amount first to see which path it offers.

The most important warning is the irreversible-deposit one. If the card expects ETH on the Ethereum main network and you send USDC on Tron, the funds will not arrive. The card page does not tell you which network each coin uses, so before you transfer a meaningful amount, test the path with a small amount, check the deposit address, and confirm the network with the in-app help.

A final point on funding is the cashback angle, which is also a top-up conversation. The card page and the comparison table talk about “up to 0.5%” in one place and “up to 5% cashback” in another, on the same page, which is a real conflict. The unofficial reading, from third-party sources, is that the entry tier (Fresh Mint) earns up to 0.5% and the higher figures are tied to a paid tier (Eco Black at EUR 9.99 a month or EUR 99.99 a year) that is not the same thing as the free card the card page is mostly describing. A separate article on third-party sites notes a “Diamond Touch” upgrade at EUR 19.99 a month or EUR 199.99 a year, marked as not yet launched. None of those higher tiers are official confirmations and I would not budget on them.

Paying with it every day

The mechanics of paying with xPortal are the strongest part of the product, which is also where the card earns its 9 out of 10 for everyday use.

The card is a Mastercard Debit, which means it is accepted wherever Mastercard is accepted — at the supermarket, online, in mobile apps and at most ATMs worldwide. The virtual card works immediately, the physical one arrives by post, and both are tokenisable into Apple Wallet and Google Wallet, so the card works with Apple Pay and Google Pay as soon as you add it. Tokenisation matters because the card number stored in the phone is a device-specific number, not the long plastic number, which is the safer way to tap to pay.

Three things to know about daily use that the card page does not spell out:

• The fees PDF places a fee of up to 3% (with a EUR 1 minimum) on payments to high-risk merchants, with gambling as the named example. Whether a particular shop is in that category is set by the merchant’s own MCC, so the fee is not something you can plan around in advance.
• 3-D Secure is the standard second-factor step at online checkout. Mastercard’s brand is “Identity Check”. Some merchants decline prepaid or foreign-issued cards outright, because the BIN lookup tells the merchant which country the card was issued in. If you are using a card issued in Romania while paying a US merchant, the merchant may treat the BIN as “foreign” and decline or ask for extra checks.
• Declined authorisations can leave a hold on the funds for several days, often up to about a week. If you are close to your spending limit, treat the hold as if the money has gone.

For dispute handling, the fees PDF charges EUR 20 for an unjustified chargeback — that is, a chargeback the issuer decides is not warranted. The help center has articles titled “How can I cancel a transaction?”, “What to do if you don’t recognise a transaction?” and “I have a duplicate transaction”, plus another page that says a transaction cannot be cancelled once initiated. The time frames for raising a dispute and the documentation you need are not in the searchable text.

For rewards, the entry tier of xPortal pays cashback in $EGLD or $UTK, the two MultiversX ecosystem tokens, and the rate depends on how much you stake. If you do not stake, the cashback you can actually earn is small or zero; if you do stake, you can reach the higher end of the published range. The card page’s own conflict between 0.5% and 5% is, in practice, the difference between “I just use the card” and “I actively hold and stake $EGLD or $UTK”. Treat the higher number as a staking-reward number, not a spending-reward number.

The app itself is well-rated on iOS at 4.8 from about 1,800 reviews. Android and Huawei ratings are not published on the card page and I have not read them, so the iOS figure is the only one I can give you from a primary source.

What can go wrong

The risk picture for xPortal is the usual crypto-card risk picture, with a few product-specific wrinkles.

Custody. xPortal is a custodial wallet, which means xPortal (or the underlying wallet provider) holds the private keys on your behalf. The help center has articles titled “Is my money safe?” and “How does the account and card issuer keep my money secure?”, but the answers are not in the searchable text, and the card’s own pages do not state how customer funds are safeguarded. The general rule for EEA electronic money institutions is that customer funds must be segregated or insured and are not covered by deposit guarantee schemes; I would assume that is the case here until the card’s own pages tell me otherwise.

Issuer and licence. The card page and footer name xPortal Labs as the site owner and xPortal Equity A.G. as the operator of xPortal. Neither page names the card issuer. Unofficial sources name Capital Financial Services S.A. (trading as Twispay) as the issuer, under Romanian National Bank electronic-money licence IEME-RO-0001. That is consistent with the fees PDF being in Romanian e-money style and with the support contact [email protected] surfacing on one of the help pages. The licence is, in either case, a real one, and Romania is an EEA jurisdiction, so the card sits inside the EU’s e-money and payment-services framework. But “consistent with” is not “confirmed by”, and the card’s own pages do not make the issuer explicit.

KYC and account closure. EU customer-due-diligence rules require the issuer to verify your identity and address, screen against sanctions, monitor transactions and report anything suspicious. If the issuer cannot complete those checks, the rules require it to refuse the relationship or close it. That is why accounts get frozen or shut — and the help center has an article collection called “Locked or Closed Accounts” whose answers I have not been able to read. If you travel, change address or change the source of your funds, expect to be asked again.

Programme risk. A crypto card is a programme, not just a card, and programmes can be wound down. The category has examples: in 2018 Visa suspended WaveCrest as a card issuer, closing every WaveCrest-issued crypto card programme in Europe overnight; in November 2022 Visa said it had terminated its global agreements with FTX, and the FTX US debit card was wound down by its issuer. xPortal’s card is on Mastercard, and there is no public indication of any programme-level issue, but the general lesson is that “the card exists today” is not the same as “the card will exist tomorrow”.

Stablecoin and network risk. The card page does not name the stablecoins or the networks. If a future change drops a coin or a network, or if a stablecoin depegs the way USDC briefly did in March 2023, your balance changes in value independently of what the merchant charges you. Blockchain transfers are also irreversible, so a top-up sent to the wrong address or on the wrong network is not coming back automatically.

Complaints and reviews. No Trustpilot page for xPortal the card turned up in my search, and no news reports of a programme-level incident. The unofficial third-party sources note slow support response times and a verification flow that some users find rough; the iOS app holds 4.8 from 1,800 ratings, which is high. The simplest read is that complaints are not absent but are not loud, and that the support team is small.

Phone loss and account takeover. The card has a 24/7 lost-and-stolen line at +40212026944, an in-app freeze button, and a card-replacement path. If you lose the phone, freeze the card first, then call, then arrange the replacement. If you lose the seed phrase (if xPortal surfaces one) the funds are gone, because that is the nature of self-custodial seeds; xPortal being custodial makes that less of a worry, but the help center’s “Is my money safe?” article is the one I would read before I assumed the company can recover an account on my behalf.

What to take instead

Three cards make for a useful comparison at the same score band, and each shows what xPortal’s design choices cost or save you. None is a clone of xPortal; each is a different bet on the same underlying idea.

BloFin Wallet Card — 6.9 / 10. A Visa Platinum card from BloFin, with USDT and USDC as the top-up tokens on Arbitrum and Base, and a spend fee that starts at 1.00% for the base tier and falls to zero for the top VIP tier. There is no cashback; the saving is the spend-rate discount. Country availability is not published on the card page, and the third-party list of 35 countries includes the US, Australia, Japan, the UAE, Brazil, Mexico, Malaysia and New Zealand, which is a much wider footprint than xPortal’s EEA-anchored list. If you live outside the EEA and you mainly hold USDT, BloFin is a more obvious match than xPortal; if you are an EEA resident who mainly holds EGLD, the comparison goes the other way.

Decaf — 6.2 / 10. A Visa card on Solana and Stellar, with a USDC-denominated balance, no FX markup on top of the Visa rate, and a clear restricted-country list that excludes Belarus, China, North Korea, India, Iran, Iraq, Israel, Myanmar, Nepal, Russia, Syria, Turkey, Cuba, Ukraine, Venezuela, Vietnam, Nicaragua, Puerto Rico and Nigeria, plus twelve US states. The card costs USD 5 to activate as a virtual card and USD 10 (US only) or USD 90 (rest of world) for a physical one. If you live in a country Decaf serves, the value proposition is “USDC, the Visa rate, no FX markup”; if you do not, xPortal’s European footprint is the more accessible one.

SafePal — 6.2 / 10. A virtual Mastercard debit from SafePal, with a Swiss Fiat24 account in euro (and other currencies), a standard top-up fee of 0%, a 1% FX fee on Mastercard non-USD settlement, and crypto top-ups from over 40 blockchains that the app converts to USDC (by default) or fiat. There is no published cashback. Eligibility is “citizens of supported regions who live in supported areas”, and the official regions page was empty when fetched, so the country list is itself an unstated fact. If you hold a long tail of coins across many chains and you want a euro account behind the card, SafePal is a closer match than xPortal; if you mainly hold EGLD, xPortal is the more natural fit.

The honest summary is that xPortal does not try to compete on raw fee level or on geographic reach. It competes on wallet-and-card integration around the MultiversX ecosystem, with EGLD as the coin the product is built around. If that is your world, xPortal is the card. If it is not, one of the alternatives above is.

Who I would recommend it to

If you are an EEA resident, if you already hold (or are happy to hold) $EGLD or $UTK, and if you want a wallet and a card in the same app rather than two separate products, xPortal is a reasonable choice. The everyday mechanics are good, the app rating is high, the licence footprint is real and the card works the way a Mastercard debit card should.

If you are outside the EEA, if you mainly hold stablecoins rather than the nine coins the card page lists, if you want a published cashback rate that does not depend on staking, or if you want a fully transparent fee table without having to reconcile two official pages, I would look at one of the alternatives in the section above.

The two specific things I would check before applying, beyond the basics, are: which network each of the nine coins uses for top-up, and what your actual cashback rate is at the staking level you are willing to commit to. The card’s own pages do not give you either number, and the support inbox is where the answers live.

Frequently asked questions

What is the xPortal card?

A Mastercard debit card issued through the xPortal app, available as a virtual card in seconds or as a physical card by post. The card spends the balance inside your xPortal wallet, which can be funded with crypto or with a debit or credit card.

How does the xPortal card work?

You install the app, complete KYC, and order the card. Top-ups are made with crypto (BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI) or with a debit or credit card, and the card pays in euros wherever Mastercard is accepted. The card page does not name the networks for each coin; the help center has the practical details.

Is xPortal a bank?

No. xPortal is a wallet and card product, not a bank. The card is issued under a Romanian electronic money institution licence (the issuer is reported as Capital Financial Services S.A., trading as Twispay, under licence IEME-RO-0001), which is an e-money licence rather than a banking licence, and customer funds are not covered by a deposit guarantee scheme.

Who owns xPortal?

The site footer names xPortal Labs as the site owner and the terms name xPortal Equity A.G. as the operator of xPortal. The card issuer is not named on the card’s own pages; third-party sources identify the issuer as Capital Financial Services S.A. (Twispay), and the wider product is associated with the MultiversX blockchain.

Is the xPortal card available in my country?

The card’s own pages do not publish a country list. Third-party sources list 29 EEA countries as supported and Canada, Iran, North Korea, Switzerland, the UK and the US as restricted; the same sources disagree internally about Germany. Treat the list as unofficial and confirm in the app before applying.

How do I get the xPortal card?

Install the xPortal app, complete the KYC steps (ID and proof of address, per third-party sources), and order the card. The virtual card is free and instant; the physical card is free to issue plus delivery, which the card page prices at EUR 5.99 in Romania or EUR 9.99 internationally, and the fees PDF prices differently (EUR 12.99 for international delivery).

Does the xPortal card require KYC?

Yes. The card page itself does not describe the steps, but the help center references a “Source of funds check” and a tax-ID request, and third-party sources describe a full ID-and-proof-of-address verification before the card is issued. The time it takes and the reasons for rejection are not stated on the card’s own pages.

How do I top up the xPortal card?

With the nine coins the card page names (BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, SUI), with a debit or credit card via xMoney (1.49% purchase fee), or with fiat where the fees PDF says adding euro is free above a EUR 10 minimum. The networks for each coin are not stated, and the on-chain fee is not explicitly assigned to either side.

How do I add the xPortal card to Apple Wallet?

Inside the app, open the Cards section, select your card, and use the standard Apple Wallet add flow. The card page shows the Apple Pay logo and the help center describes the process; once added, the card number is tokenised into a device-specific number and the original long number does not leave the Secure Element.

Is the xPortal card safe?

The card is on Mastercard with tokenised mobile-wallet support, an in-app freeze button, a 24/7 lost-and-stolen line and a Romanian e-money licence behind it. The card’s own pages do not explain how customer crypto is safeguarded, and xPortal is a custodial wallet, so the usual counterparty and custody risks apply. As with any crypto card, treat the card programme itself as a going concern that could change.

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