Xapo BankXapo
70
Side-by-side card comparison
Xapo vs Decaf
Xapo Card has the higher Overall Score by 6 points (70 vs 64). Xapo Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Decaf Card comes out ahead for Cashback.
Latest check Oct 19, 202642 official sources reviewed
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 September 30, 2026.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsXapo CardOverall70Decaf CardOverall64
Xapo CardOverall70Decaf CardOverall64Scores
- Overall Score
- Xapo Card70Decaf Card64
- Cashback score
- Xapo Card24Decaf Card29
- Travel score
- Xapo Card91Decaf Card60
- Funds control score
- Xapo Card64Decaf Card63
- Lowest fees score
- Xapo Card78Decaf Card57
- Transfers score
- Xapo Card100Decaf Card70
Costs
- Plan cost
- Xapo Card$1,000/yearDecaf Card$0
- FX fee
- Xapo Card0–0.29%Decaf Card1–2%
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Xapo Card0%Decaf CardNot disclosed
- ATM fee
- Xapo Card0–2%Decaf Card0% Decaf markup
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedDecaf Card$5
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Xapo Card1 plans: Xapo Bank membershipDecaf CardNot disclosed
- Top cashback plan
- Xapo CardXapo Bank membership: 0%Decaf CardNot disclosed
Everyday use
- Network
- Xapo CardVisa/MastercardDecaf CardVisa
- Card formats
- Xapo CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Xapo CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Xapo CardNot disclosedDecaf CardApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesDecaf CardNot disclosed
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeDecaf CardNot disclosed
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaDecaf CardSolana, Stellar
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCDecaf CardStablecoins: USDC
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Xapo CardUSD, GBP, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Xapo Card0%Decaf CardNot disclosed
- Max cashback
- Xapo Card3%Decaf CardNot disclosed
- Reward currency
- Xapo CardBTCDecaf CardNot disclosed
Earn
- Advertised APY
- Xapo CardUp to 3.35% APYDecaf CardNot disclosed
- How it works
- Xapo CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Xapo CardNoDecaf CardYes
- Use balance for spending
- Xapo CardYesDecaf CardNot disclosed
- Lock-up
- Xapo CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Xapo CardCustodialDecaf CardNon-custodial
- Control until payment
- Xapo CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Xapo CardTransact Payments Malta LimitedDecaf CardThird National, Inc.
- Card processing
- Xapo CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Xapo CardNot disclosedDecaf CardMoneyGram
- Bank transfers
- Xapo CardXapo Bank LimitedDecaf CardNot disclosed
Sources
- Official sources
- Xapo Card21Decaf Card21
- Last reviewed
- Xapo CardSep 1, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Xapo or Decaf
Keeping recurring costs down
Decaf's base plan is $0, compared with $1,000/year for Xapo. This favours Decaf for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Xapo lists 0–0.29%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Xapo has reviewed routes in EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Xapo vs Decaf FAQ
Is Xapo or Decaf better overall?
Xapo Card has the higher Overall Score (70 vs 64). 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, Xapo or Decaf?
Decaf 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, Xapo or Decaf?
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 Xapo and Decaf differ on custody?
Xapo Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Xapo vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.