HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Xapo: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 5 points (75 vs 70). Holyheld Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202649 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel, Lowest fees, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallHolyheld75Xapo70Higher score
CashbackHolyheld64Xapo24Higher score
TravelHolyheld68Xapo91Higher score
Funds controlHolyheld74Xapo63Higher score
Lowest feesHolyheld67Xapo77Higher score
TransfersHolyheld81Xapo100Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Xapo Card if travel and lowest fees matter most
Xapo Card comes out ahead for Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Holyheld75Xapo70
Holyheld Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXXapo$1,000/year plan · 0–0.29% FX
Holyheld Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Holyheld0.5% base · up to 1%Xapo0% base · up to 3%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodyXapoCustodial balance
Holyheld Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Holyheld Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsHolyheld CardOverall75Xapo CardOverall70
Holyheld CardOverall75Xapo CardOverall70Scores
6 fields- Overall Score
- Holyheld Card75Xapo Card70
- Cashback score
- Holyheld Card64Xapo Card24
- Travel score
- Holyheld Card68Xapo Card91
- Funds control score
- Holyheld Card74Xapo Card63
- Lowest fees score
- Holyheld Card67Xapo Card77
- Transfers score
- Holyheld Card81Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Holyheld Card$0Xapo Card$1,000/year
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyXapo Card0–0.29%
- Top-up fee
- Holyheld Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Holyheld Card€0.50Xapo Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Xapo Card0–2%
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Holyheld CardMetal: 1%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Holyheld CardMastercardXapo CardVisa/Mastercard
- Card formats
- Holyheld CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableXapo CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Holyheld CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Holyheld CardPersonal EUR IBANXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Holyheld CardEURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Xapo Card0%
- Max cashback
- Holyheld Card1%Xapo Card3%
- Reward currency
- Holyheld CardUSDCXapo CardBTC
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Holyheld CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Holyheld CardYesXapo CardNo
- Use balance for spending
- Holyheld CardNot disclosedXapo CardYes
- Lock-up
- Holyheld CardNoXapo CardNo
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyXapo CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdXapo CardTransact Payments Malta Limited
- Bank transfers
- Holyheld CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Holyheld CardSumsub / IdenfyXapo CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGXapo CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Xapo Card21
- Last reviewed
- Holyheld CardAug 31, 2026Xapo CardSep 1, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 70 for Xapo Card. Holyheld Card has the lower starting plan cost ($0 vs $1,000/year). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Xapo Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Holyheld Card and Xapo Card reviews first.
Continue with
Holyheld Card
Continue with
Xapo Card
05 · Common questions
Holyheld vs Xapo FAQ
Is Holyheld or Xapo better overall?
Holyheld Card has the higher Overall Score (75 vs 70). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Holyheld or Xapo?
Holyheld Card has the lower starting plan cost ($0 vs $1,000/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Xapo?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Xapo differ on custody?
Holyheld Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.