OobitOobit
72
Side-by-side card comparison
Oobit vs Xapo: overall score versus use-case fit
Oobit Card has the higher Overall Score by 2 points (72 vs 70). Oobit Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202637 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit 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.
OverallOobit72Xapo70Higher score
CashbackOobit68Xapo24Higher score
TravelOobit45Xapo91Higher score
Funds controlOobit77Xapo63Higher score
Lowest feesOobit51Xapo77Higher score
TransfersOobit64Xapo100Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Oobit72Xapo70
Oobit Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXXapo$1,000/year plan · 0–0.29% FX
Oobit Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Oobit5% base · up to 10%Xapo0% base · up to 3%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodyXapoCustodial balance
Oobit 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
- OobitVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Oobit Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutXapo2 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 6).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Xapo CardOverall70
Oobit CardOverall72Xapo CardOverall70Scores
6 fields- Overall Score
- Oobit Card72Xapo Card70
- Cashback score
- Oobit Card68Xapo Card24
- Travel score
- Oobit Card45Xapo Card91
- Funds control score
- Oobit Card77Xapo Card63
- Lowest fees score
- Oobit Card51Xapo Card77
- Transfers score
- Oobit Card64Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Oobit Card$0Xapo Card$1,000/year
- FX fee
- Oobit Card3%Xapo Card0–0.29%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Oobit Card$0.25 + 1%Xapo Card0%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeXapo Card0–2%
- Virtual card
- Oobit CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Oobit CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Oobit CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Oobit CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Oobit CardVisaXapo CardVisa/Mastercard
- Card formats
- Oobit CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableXapo CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Oobit CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Oobit CardNot disclosedXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Oobit CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Xapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Oobit Card5%Xapo Card0%
- Max cashback
- Oobit Card10%Xapo Card3%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenXapo CardBTC
Earn
5 fields- Advertised APY
- Oobit CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Oobit CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Oobit CardNot offeredXapo CardNo
- Use balance for spending
- Oobit CardNot offeredXapo CardYes
- Lock-up
- Oobit CardNot offeredXapo CardNo
Trust & availability
4 fields- Custody
- Oobit CardHybrid custodyXapo CardCustodial
- Control until payment
- Oobit CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalXapo CardTransact Payments Malta Limited
- Bank transfers
- Oobit CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Oobit Card16Xapo Card21
- Last reviewed
- Oobit CardAug 12, 2026Xapo CardSep 1, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 70 for Xapo Card. Oobit Card has the lower starting plan cost ($0 vs $1,000/year). Oobit Card has the higher published base cashback rate (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. Oobit 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 6). 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 Oobit Card and Xapo Card reviews first.
Continue with
Oobit Card
Continue with
Xapo Card
05 · Common questions
Oobit vs Xapo FAQ
Is Oobit or Xapo better overall?
Oobit Card has the higher Overall Score (72 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, Oobit or Xapo?
Oobit 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, Oobit or Xapo?
Oobit Card has the higher published base cashback rate (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 Oobit and Xapo differ on custody?
Oobit 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 Oobit vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.