Rebind SASRebind
69
Side-by-side card comparison
Rebind vs Xapo: where the score gap comes from
Xapo Card has the higher Overall Score by 1 point (70 vs 69). 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 5, 202656 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. Rebind 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.
OverallRebind69Xapo70Higher score
CashbackRebind32Xapo24Compare the details below
TravelRebind53Xapo91Compare the details below
Funds controlRebind88Xapo64Compare the details below
Lowest feesRebind67Xapo78Compare the details below
TransfersRebind41Xapo100Compare the details below
Choose Rebind Card if its day-to-day setup suits you
Rebind 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 added FX markup
- Free virtual Visa
- A separate self-custodial balance
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
- Rebind69Xapo70
Xapo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- RebindNot verified plan · No added Gnosis FX fee; Visa rate applies FXXapo$1,000/year plan · 0–0.29% FX
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0–0.29%).
- Purchase rewards
- RebindNot 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
- RebindNon-custodial accountXapoCustodial balance
Rebind Card uses a non-custodial account 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
- RebindVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Rebind Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Rebind1 stablecoin · Not modeledXapo2 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 1).
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
- Not disclosed
- FX fee
- No added Gnosis FX fee; Visa rate applies
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 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
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
CardsRebind CardOverall69Xapo CardOverall70
Rebind CardOverall69Xapo CardOverall70Scores
6 fields- Overall Score
- Rebind Card69Xapo Card70
- Cashback score
- Rebind Card32Xapo Card24
- Travel score
- Rebind Card53Xapo Card91
- Funds control score
- Rebind Card88Xapo Card64
- Lowest fees score
- Rebind Card67Xapo Card78
- Transfers score
- Rebind Card41Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Rebind CardNo added FX markup, Free virtual VisaXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Rebind CardCashback eligibility needs confirmation, EU access restrictionsXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Rebind CardNot disclosedXapo Card$1,000/year
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesXapo Card0–0.29%
- Top-up fee
- Rebind Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Rebind Card0%Xapo Card0%
- ATM fee
- Rebind CardNot disclosedXapo Card0–2%
- Virtual card
- Rebind CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Rebind CardNot offered through native Rebind issuance yetXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Rebind CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Rebind CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Rebind CardVisaXapo CardVisa/Mastercard
- Card formats
- Rebind CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Rebind CardNot disclosedXapo CardAvailable
- Mobile wallets
- Rebind CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Rebind CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchaseXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Rebind CardMonthly spending limit unclearXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Rebind CardGnosisXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Rebind CardStablecoins: EUReXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Rebind CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Rebind CardNot disclosedXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Rebind CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Rebind CardNot disclosedXapo Card0%
- Max cashback
- Rebind CardNot disclosedXapo Card3%
- Reward currency
- Rebind CardNot disclosedXapo CardBTC
Earn
5 fields- Advertised APY
- Rebind CardUp to 8% APYXapo CardUp to 3.35% APY
- How it works
- Rebind CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Rebind CardYesXapo CardNo
- Use balance for spending
- Rebind CardNoXapo CardYes
- Lock-up
- Rebind CardNoXapo CardNo
Trust & availability
6 fields- Custody
- Rebind CardNon-custodialXapo CardCustodial
- Control until payment
- Rebind CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Rebind CardUAB MonavateXapo CardTransact Payments Malta Limited
- Card processing
- Rebind CardGnosis PayXapo CardNot disclosed
- Deposits & withdrawals
- Rebind CardMoneriumXapo CardNot disclosed
- Bank transfers
- Rebind CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Rebind Card35Xapo Card21
- Last reviewed
- Rebind CardSep 5, 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 69 for Rebind Card. Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0–0.29%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Rebind Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Rebind Card uses a non-custodial account 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 1). 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 Rebind Card and Xapo Card reviews first.
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Rebind Card
Continue with
Xapo Card
05 · Common questions
Rebind vs Xapo FAQ
Is Rebind or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 69). 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, Rebind or Xapo?
Rebind Card has the lower published FX fee (No added Gnosis FX fee; Visa rate applies vs 0–0.29%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Rebind 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 Rebind and Xapo differ on custody?
Rebind Card uses a non-custodial account 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 Rebind vs Xapo comparison?
The latest information check for these two cards was September 5, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.