MPChatMPChat
52
Side-by-side card comparison
MPChat vs Xapo
Xapo Card has the higher Overall Score by 18 points (70 vs 52). Xapo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202651 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Xapo Card
Best fit
- Existing Xapo Bank members spending directly from their USD or BTC account.
- Combining card spending with Lightning, SEPA and Faster Payments transfers.
- Foreign purchases with no Xapo FX markup; card-network rates still apply.
Before you choose
- The card requires a Xapo Bank membership costing $1,000 each year.
- BTC purchases include a variable spread, currently listed at 0.29%.
- No ongoing cashback is active; the taxi promotion ended October 31, 2026.
Fees & features
Compare the details
CardsMPChat CardOverall52Xapo CardOverall70
MPChat CardOverall52Xapo CardOverall70Scores
- 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
Costs
- Plan cost
- MPChat Card$0Xapo Card$1,000/year
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are 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$0.10 + 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 & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- MPChat CardNot disclosedXapo CardXapo Bank membership: 0%
- Base cashback
- MPChat CardNot disclosedXapo Card0%
- Max cashback
- MPChat CardNot disclosedXapo Card3%
- Reward currency
- MPChat CardNot disclosedXapo CardBTC
Everyday use
- 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
- 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
Earn
- 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
- 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
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Xapo Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Xapo
Keeping recurring costs down
MPChat's base plan is $0, compared with $1,000/year for Xapo. This favours MPChat for occasional use; card issuance and transaction fees are separate.
Using an exchange account
Xapo does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Xapo if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Xapo's include BTC, USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
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 November 12, 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.