TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Xapo: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 4 points (74 vs 70). Tuyo Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202633 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo 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.
OverallTuyo74Xapo70Higher score
CashbackTuyo39Xapo24Higher score
TravelTuyo42Xapo91Higher score
Funds controlTuyo100Xapo63Higher score
Lowest feesTuyo71Xapo77Higher score
TransfersTuyo72Xapo100Higher score
Choose Tuyo Card if cashback and funds control matter most
Tuyo 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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
- Tuyo74Xapo70
Tuyo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXXapo$1,000/year plan · 0–0.29% FX
Tuyo Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Tuyo0% base · up to 100%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletXapoCustodial balance
Tuyo Card uses a self-controlled wallet 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
- TuyoVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Tuyo Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Tuyo1 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
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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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
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
CardsTuyo CardOverall74Xapo CardOverall70
Tuyo CardOverall74Xapo CardOverall70Scores
6 fields- Overall Score
- Tuyo Card74Xapo Card70
- Cashback score
- Tuyo Card39Xapo Card24
- Travel score
- Tuyo Card42Xapo Card91
- Funds control score
- Tuyo Card100Xapo Card63
- Lowest fees score
- Tuyo Card71Xapo Card77
- Transfers score
- Tuyo Card72Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Tuyo Card$0Xapo Card$1,000/year
- FX fee
- Tuyo Card1–3%Xapo Card0–0.29%
- Top-up fee
- Tuyo CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Tuyo Card0%Xapo Card0%
- ATM fee
- Tuyo CardNot availableXapo Card0–2%
- Virtual card
- Tuyo CardFreeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Tuyo CardComing soon; not currently availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Tuyo CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Tuyo CardVisaXapo CardVisa/Mastercard
- Card formats
- Tuyo CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableXapo CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Tuyo CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Xapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Xapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Tuyo CardStablecoins: USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Tuyo CardVirtual-account receivingXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Tuyo CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Tuyo CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Xapo Card0%
- Max cashback
- Tuyo Card100%Xapo Card3%
- Reward currency
- Tuyo CardUSDXapo CardBTC
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYXapo CardUp to 3.35% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Tuyo CardYesXapo CardNo
- Use balance for spending
- Tuyo CardYesXapo CardYes
- Lock-up
- Tuyo CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyXapo CardCustodial
- Control until payment
- Tuyo CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalXapo CardTransact Payments Malta Limited
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Xapo CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Xapo CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Tuyo Card12Xapo Card21
- Last reviewed
- Tuyo CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 70 for Xapo Card. Tuyo Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 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. Tuyo Card uses a self-controlled wallet 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 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 Tuyo Card and Xapo Card reviews first.
Continue with
Tuyo Card
Continue with
Xapo Card
05 · Common questions
Tuyo vs Xapo FAQ
Is Tuyo or Xapo better overall?
Tuyo Card has the higher Overall Score (74 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, Tuyo or Xapo?
Tuyo 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, Tuyo 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 Tuyo and Xapo differ on custody?
Tuyo Card uses a self-controlled wallet 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 Tuyo vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.