Xapo BankXapo
70
Side-by-side card comparison
Xapo vs 1inch: overall score versus use-case fit
1inch Card has the higher Overall Score by 9 points (79 vs 70). Xapo Card looks stronger for Travel, Lowest fees, and Transfers, while 1inch Card comes out ahead for Cashback and Funds control.
Information checked Sep 1, 202634 official sources reviewed
01 · Overall score versus use-case fit
1inch Card is the better all-round starting point
1inch 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.
OverallXapo701inch79Higher score
CashbackXapo241inch63Higher score
TravelXapo911inch82Higher score
Funds controlXapo631inch80Higher score
Lowest feesXapo771inch74Higher score
TransfersXapo1001inch93Higher score
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
Choose 1inch Card if cashback and funds control matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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
- Xapo701inch79
1inch Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Xapo$1,000/year plan · 0–0.29% FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
1inch Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Xapo0% base · up to 3%1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- XapoCustodial balance1inchHybrid custody
Xapo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- XapoVirtual + Physical · Unknown1inchVirtual + Physical · Apple Pay, Google Pay
1inch Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Xapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
Xapo Card lists more stablecoins and ways to send money out (8 vs 3).
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
- $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
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 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
CardsXapo CardOverall701inch CardOverall79
Xapo CardOverall701inch CardOverall79Scores
6 fields- Overall Score
- Xapo Card701inch Card79
- Cashback score
- Xapo Card241inch Card63
- Travel score
- Xapo Card911inch Card82
- Funds control score
- Xapo Card631inch Card80
- Lowest fees score
- Xapo Card771inch Card74
- Transfers score
- Xapo Card1001inch Card93
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto rails1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Xapo Card$1,000/year1inch Card$0
- FX fee
- Xapo Card0–0.29%1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spending1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Xapo Card0%1inch Card2%
- ATM fee
- Xapo Card0–2%1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed1inch CardNot disclosed
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed1inch CardNot disclosed
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membership1inch CardNot disclosed
- Top cashback plan
- Xapo CardXapo Bank membership: 0%1inch CardNot disclosed
Everyday use
8 fields- Network
- Xapo CardVisa/Mastercard1inch CardMastercard
- Card formats
- Xapo CardVirtual, Physical1inch CardVirtual, Physical
- ATM withdrawals
- Xapo CardAvailable1inch CardAvailable
- Mobile wallets
- Xapo CardNot disclosed1inch CardApple Pay, Google Pay
- Apps
- Xapo CardiOS, Android1inch CardiOS, Android
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchases1inch CardAccount-specific in Profile
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programme1inch CardAccount-specific in Profile
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTC1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive1inch CardEUR or GBP bank deposit
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Xapo CardUSD, GBP, EUR1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Xapo Card0%1inch Card1%
- Max cashback
- Xapo Card3%1inch Card2%
- Reward currency
- Xapo CardBTC1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APY1inch CardNot offered
- How it works
- Xapo CardEarn on spending balance1inch CardNot offered
- Separate deposit
- Xapo CardNo1inch CardNot offered
- Use balance for spending
- Xapo CardYes1inch CardNot offered
- Lock-up
- Xapo CardNo1inch CardNot offered
Trust & availability
6 fields- Custody
- Xapo CardCustodial1inch CardHybrid custody
- Control until payment
- Xapo CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta Limited1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Xapo CardNot disclosed1inch CardCrypto Life
- Custody / key management
- Xapo CardNot disclosed1inch CardBaanx
- Bank transfers
- Xapo CardXapo Bank Limited1inch CardNot disclosed
Sources
2 fields- Official sources
- Xapo Card211inch Card13
- Last reviewed
- Xapo CardSep 1, 20261inch CardAug 31, 2026
04 · The trade-off
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 70 for Xapo Card. 1inch Card has the lower starting plan cost ($0 vs $1,000/year). 1inch Card has the higher published base cashback rate (1% 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. Xapo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody 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 3). 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 Xapo Card and 1inch Card reviews first.
Continue with
Xapo Card
Continue with
1inch Card
05 · Common questions
Xapo vs 1inch FAQ
Is Xapo or 1inch better overall?
1inch Card has the higher Overall Score (79 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, Xapo or 1inch?
1inch 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 1inch?
1inch Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Xapo and 1inch differ on custody?
Xapo Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Xapo vs 1inch comparison?
The latest information check for these two cards was September 1, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.