KoloKolo
73
Side-by-side card comparison
Kolo vs Xapo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 3 points (73 vs 70). Kolo Card looks stronger for Cashback and Lowest fees, while Xapo Card comes out ahead for Travel, Funds control, and Transfers.
Information checked Sep 1, 202649 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel, Funds control, 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.
OverallKolo73Xapo70Higher score
CashbackKolo54Xapo24Higher score
TravelKolo70Xapo91Higher score
Funds controlKolo56Xapo63Higher score
Lowest feesKolo83Xapo77Higher score
TransfersKolo92Xapo100Higher score
Choose Kolo Card if cashback and lowest fees matter most
Kolo Card comes out ahead for Cashback and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for 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.
- 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
- Kolo73Xapo70
Kolo Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXXapo$1,000/year plan · 0–0.29% FX
Kolo Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Kolo1% base · up to 2%Xapo0% base · up to 3%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KoloCustodial balanceXapoCustodial balance
Kolo Card and Xapo Card use the same custodial balance setup.
- Everyday access
- KoloVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Kolo Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Kolo Card lists more stablecoins and ways to send money out (10 vs 8).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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
CardsKolo CardOverall73Xapo CardOverall70
Kolo CardOverall73Xapo CardOverall70Scores
6 fields- Overall Score
- Kolo Card73Xapo Card70
- Cashback score
- Kolo Card54Xapo Card24
- Travel score
- Kolo Card70Xapo Card91
- Funds control score
- Kolo Card56Xapo Card63
- Lowest fees score
- Kolo Card83Xapo Card77
- Transfers score
- Kolo Card92Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Kolo Card$0Xapo Card$1,000/year
- FX fee
- Kolo Card1%Xapo Card0–0.29%
- Top-up fee
- Kolo Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Kolo CardNot disclosedXapo Card0%
- ATM fee
- Kolo Card$1 + 0.65%Xapo Card0–2%
- Virtual card
- Kolo CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Kolo CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Kolo CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Kolo CardVisaXapo CardVisa/Mastercard
- Card formats
- Kolo CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableXapo CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Kolo CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Kolo Card$9,000/dayXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Kolo Card$9,000/monthXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Kolo CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Kolo CardEURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Kolo Card1%Xapo Card0%
- Max cashback
- Kolo Card2%Xapo Card3%
- Reward currency
- Kolo CardBTC cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Kolo CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Kolo CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Kolo CardNot offeredXapo CardNo
- Use balance for spending
- Kolo CardNot offeredXapo CardYes
- Lock-up
- Kolo CardNot offeredXapo CardNo
Trust & availability
6 fields- Custody
- Kolo CardCustodialXapo CardCustodial
- Control until payment
- Kolo CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedXapo CardTransact Payments Malta Limited
- Bank transfers
- Kolo CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Kolo CardSumSubXapo CardNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedXapo CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Xapo Card21
- Last reviewed
- Kolo CardAug 28, 2026Xapo CardSep 1, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 70 for Xapo Card. Kolo Card has the lower starting plan cost ($0 vs $1,000/year). Kolo Card has the higher published base cashback rate (1% vs 0%).
Xapo Card still comes out ahead for Travel, Funds control, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Kolo Card and Xapo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 8). 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 Kolo Card and Xapo Card reviews first.
Continue with
Kolo Card
Continue with
Xapo Card
05 · Common questions
Kolo vs Xapo FAQ
Is Kolo or Xapo better overall?
Kolo Card has the higher Overall Score (73 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, Kolo or Xapo?
Kolo 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, Kolo or Xapo?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and Xapo differ on custody?
Kolo Card and Xapo Card use the same custodial balance setup.
How current is this Kolo 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.