RedotPayRedotPay
69
Side-by-side card comparison
RedotPay vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 1 point (70 vs 69). RedotPay Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202649 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. RedotPay Card may be the better fit for Cashback. 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.
OverallRedotPay69Xapo70Higher score
CashbackRedotPay41Xapo24Higher score
TravelRedotPay83Xapo91Higher score
Funds controlRedotPay55Xapo63Higher score
Lowest feesRedotPay66Xapo77Higher score
TransfersRedotPay85Xapo100Higher score
Choose RedotPay Card if cashback matters most
RedotPay Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical cards are both available
- Apple Pay and Google Pay support
- Optional Pro plan can add cashback
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, Funds control, 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
- RedotPay69Xapo70
Xapo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- RedotPay$0 plan · 1.2–2% FXXapo$1,000/year plan · 0–0.29% FX
RedotPay Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- RedotPay0% base · up to 3%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- RedotPayCustodial balanceXapoCustodial balance
RedotPay Card and Xapo Card use the same custodial balance setup.
- Everyday access
- RedotPayVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
RedotPay Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- RedotPay2 stablecoins · Stablecoin transfers; RedotPay International TransferXapo2 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 4).
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
- 0%-3%
- Plan cost
- $0
- FX fee
- 1.2–2%
- ATM fee
- 2–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 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
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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
CardsRedotPay CardOverall69Xapo CardOverall70
RedotPay CardOverall69Xapo CardOverall70Scores
6 fields- Overall Score
- RedotPay Card69Xapo Card70
- Cashback score
- RedotPay Card41Xapo Card24
- Travel score
- RedotPay Card83Xapo Card91
- Funds control score
- RedotPay Card55Xapo Card63
- Lowest fees score
- RedotPay Card66Xapo Card77
- Transfers score
- RedotPay Card85Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- RedotPay CardVirtual and physical cards are both available, Apple Pay and Google Pay supportXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- RedotPay CardSpending uses a RedotPay account balance, ATM withdrawals carry a 3% feeXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- RedotPay Card$0Xapo Card$1,000/year
- FX fee
- RedotPay Card1.2–2%Xapo Card0–0.29%
- Top-up fee
- RedotPay CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- RedotPay CardNot disclosedXapo Card0%
- ATM fee
- RedotPay Card2–3%Xapo Card0–2%
- Virtual card
- RedotPay Card10 USD one-time issuance fee; non-refundable after paymentXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- RedotPay Card100 USD one-time issuance fee; non-refundable after paymentXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- RedotPay Card2 plans: Regular, ProXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- RedotPay CardPro: 3%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- RedotPay CardVisaXapo CardVisa/Mastercard
- Card formats
- RedotPay CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- RedotPay CardAvailableXapo CardAvailable
- Mobile wallets
- RedotPay CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- RedotPay CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- RedotPay CardNot disclosedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- RedotPay CardNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- RedotPay CardNot disclosedXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- RedotPay CardTRC20, ERC20, BEP20Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- RedotPay CardStablecoins: USDT, USDC; Other crypto: BTC, ETH, SOL, XRP, BNB +3Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- RedotPay CardRedotPay account bank depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- RedotPay CardStablecoin transfers; RedotPay International TransferXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- RedotPay CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- RedotPay Card0%Xapo Card0%
- Max cashback
- RedotPay Card3%Xapo Card3%
- Reward currency
- RedotPay CardUSDs cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- RedotPay CardUp to 1% APYXapo CardUp to 3.35% APY
- How it works
- RedotPay CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- RedotPay CardYesXapo CardNo
- Use balance for spending
- RedotPay CardNot disclosedXapo CardYes
- Lock-up
- RedotPay CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- RedotPay CardCustodialXapo CardCustodial
- Control until payment
- RedotPay CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- RedotPay CardXfers Pte. Ltd.Xapo CardTransact Payments Malta Limited
- Card processing
- RedotPay CardRedotPayXapo CardNot disclosed
- Bank transfers
- RedotPay CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- RedotPay CardRed F. Technology LimitedXapo CardNot disclosed
Sources
2 fields- Official sources
- RedotPay Card28Xapo Card21
- Last reviewed
- RedotPay CardAug 25, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 69 for RedotPay Card. RedotPay Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
RedotPay Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. RedotPay Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 4). 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 RedotPay Card and Xapo Card reviews first.
Continue with
RedotPay Card
Continue with
Xapo Card
05 · Common questions
RedotPay vs Xapo FAQ
Is RedotPay 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, RedotPay or Xapo?
RedotPay 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, RedotPay or Xapo?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do RedotPay and Xapo differ on custody?
RedotPay Card and Xapo Card use the same custodial balance setup.
How current is this RedotPay 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.