HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs XPlace: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 7 points (75 vs 68). Holyheld Card looks stronger for Cashback, Travel, Funds control, and Transfers, while XPlace Card comes out ahead for Lowest fees.
Information checked Aug 27, 202654 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. XPlace Card may be the better fit for Lowest fees. 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.
OverallHolyheld75XPlace68Higher score
CashbackHolyheld64XPlace49Higher score
TravelHolyheld68XPlace61Higher score
Funds controlHolyheld74XPlace67Higher score
Lowest feesHolyheld67XPlace69Higher score
TransfersHolyheld81XPlace62Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, Funds control, and Transfers 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 XPlace Card if lowest fees matters most
XPlace Card comes out ahead for Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Holyheld75XPlace68
Holyheld Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%XPlace0.5% base · up to 4%
Both cards show the same base cashback rate of 0.5%.
- Funds control
- HolyheldHybrid custodyXPlaceHybrid custody
Holyheld Card and XPlace Card use the same hybrid custody setup.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferXPlace2 stablecoins · Stablecoin transfers
Holyheld Card lists more stablecoins and ways to send money out (4 vs 3).
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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall75XPlace CardOverall68
Holyheld CardOverall75XPlace CardOverall68Scores
6 fields- Overall Score
- Holyheld Card75XPlace Card68
- Cashback score
- Holyheld Card64XPlace Card49
- Travel score
- Holyheld Card68XPlace Card61
- Funds control score
- Holyheld Card74XPlace Card67
- Lowest fees score
- Holyheld Card67XPlace Card69
- Transfers score
- Holyheld Card81XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Holyheld Card$0XPlace Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyXPlace Card0–1%
- Top-up fee
- Holyheld Card0%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Holyheld Card€0.50XPlace Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%XPlace CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessXPlace CardNot disclosed
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Holyheld CardMetal: 1%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Holyheld CardMastercardXPlace CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableXPlace CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebXPlace CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2XPlace CardSolana
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- Holyheld CardPersonal EUR IBANXPlace CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferXPlace CardStablecoin transfers
- Payout currencies
- Holyheld CardEURXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%XPlace Card0.5%
- Max cashback
- Holyheld Card1%XPlace Card4%
- Reward currency
- Holyheld CardUSDCXPlace CardUSDC
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedXPlace CardUp to 6.15% APY
- How it works
- Holyheld CardOptional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Holyheld CardYesXPlace CardYes
- Use balance for spending
- Holyheld CardNot disclosedXPlace CardNo
- Lock-up
- Holyheld CardNoXPlace CardNo
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyXPlace CardHybrid custody
- Control until payment
- Holyheld CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdXPlace CardThird National
- Card processing
- Holyheld CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Holyheld CardSumsub / IdenfyXPlace CardSumsub
- Programme operator
- Holyheld CardHolyheld Labs AGXPlace CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28XPlace Card26
- Last reviewed
- Holyheld CardAug 12, 2026XPlace CardAug 27, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Both cards show the same base cashback rate of 0.5%.
XPlace Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card and XPlace Card use the same hybrid custody setup.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 3). 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 XPlace Card reviews first.
Continue with
Holyheld Card
Continue with
XPlace Card
05 · Common questions
Holyheld vs XPlace FAQ
Is Holyheld or XPlace better overall?
Holyheld Card has the higher Overall Score (75 vs 68). 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 XPlace?
XPlace Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 XPlace?
Both cards show the same base cashback rate of 0.5%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and XPlace differ on custody?
Holyheld Card and XPlace Card use the same hybrid custody setup.
How current is this Holyheld vs XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.