MPChatMPChat
52
Side-by-side card comparison
MPChat vs Xapo: where the score gap comes from
Xapo Card has the higher Overall Score by 18 points (70 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202651 official sources reviewed
01 · Where the gap opens
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallMPChat52Xapo70Higher score
CashbackMPChat18Xapo24Compare the details below
TravelMPChat72Xapo91Compare the details below
Funds controlMPChat41Xapo64Compare the details below
Lowest feesMPChat60Xapo78Compare the details below
TransfersMPChat58Xapo100Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Xapo Card if its day-to-day setup suits you
Xapo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No Xapo FX markup
- Account-backed bank and crypto rails
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Xapo70
Xapo Card has the higher Overall Score by 18 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXXapo$1,000/year plan · 0–0.29% FX
MPChat Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- MPChatNot disclosedXapo0% base · up to 3%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceXapoCustodial balance
MPChat Card and Xapo Card use the same custodial balance setup.
- Everyday access
- MPChatVirtual + Physical · Google PayXapoVirtual + Physical · Unknown
MPChat Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersXapo2 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 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Xapo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Xapo CardOverall70
MPChat CardOverall52Xapo CardOverall70Scores
6 fields- Overall Score
- MPChat Card52Xapo Card70
- Cashback score
- MPChat Card18Xapo Card24
- Travel score
- MPChat Card72Xapo Card91
- Funds control score
- MPChat Card41Xapo Card64
- Lowest fees score
- MPChat Card60Xapo Card78
- Transfers score
- MPChat Card58Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- MPChat Card$0Xapo Card$1,000/year
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateXapo Card0–0.29%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- MPChat Card$0.15 + 0.8%Xapo Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessXapo Card0–2%
- Virtual card
- MPChat CardCloud: 10 USDT one timeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- MPChat CardBoundless: 100 USDT one timeXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- MPChat CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- MPChat CardVisaXapo CardVisa/Mastercard
- Card formats
- MPChat CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableXapo CardAvailable
- Mobile wallets
- MPChat CardGoogle PayXapo CardNot disclosed
- Apps
- MPChat CardNot disclosedXapo CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- MPChat CardStablecoins: USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- MPChat CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- MPChat CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- MPChat CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedXapo Card0%
- Max cashback
- MPChat CardNot disclosedXapo Card3%
- Reward currency
- MPChat CardNot disclosedXapo CardBTC
Earn
5 fields- Advertised APY
- MPChat CardNot offeredXapo CardUp to 3.35% APY
- How it works
- MPChat CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- MPChat CardNot offeredXapo CardNo
- Use balance for spending
- MPChat CardNot offeredXapo CardYes
- Lock-up
- MPChat CardNot offeredXapo CardNo
Trust & availability
4 fields- Custody
- MPChat CardCustodialXapo CardCustodial
- Control until payment
- MPChat CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedXapo CardTransact Payments Malta Limited
- Bank transfers
- MPChat CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- MPChat Card30Xapo Card21
- Last reviewed
- MPChat CardSep 23, 2026Xapo CardSep 1, 2026
04 · The verdict
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 52 for MPChat Card. MPChat Card has the lower starting plan cost ($0 vs $1,000/year). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 2). 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 MPChat Card and Xapo Card reviews first.
Continue with
MPChat Card
Continue with
Xapo Card
05 · Common questions
MPChat vs Xapo FAQ
Is MPChat or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 52). 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, MPChat or Xapo?
MPChat 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, MPChat or Xapo?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Xapo differ on custody?
MPChat Card and Xapo Card use the same custodial balance setup.
How current is this MPChat vs Xapo comparison?
The latest information check for these two cards was September 23, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.