xPortal Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(8 reviews)Independently reviewed by Mihail B. · how we verify
Get xPortal CardCard Overview
xPortal Card is a Mastercard Prepaid card from the MultiversX ecosystem. No cashback without EGLD staking. With staking: 0.1-0.5% cashback capped at 5-30 EUR/month. The marketed up to 5%" requires 100K XMN tokens from a shared 10K EUR promo pool. ~1% crypto-to-EUR conversion is competitive but non-EUR FX is ~3.5%. Funds cannot be withdrawn once loaded onto the card. EEA only. Premium tiers (Pro
Sweepbase verdict: xPortal Card is worth a look mainly for its up to 5% cashback rewards and true self-custody — your keys remain yours until the moment of purchase. That makes it a practical choice for DeFi users and privacy-focused holders who want full control of their keys. One thing to check: an issuance fee (Virtual free; Physical €9.99 + €5.99-12.99 delivery).
This is a Mastercard crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Virtual free; Physical €9.99 + €5.99-12.99 delivery |
|---|---|
| Annual Fee | Free |
| FX Fee | ~1% crypto-to-EUR conversion fee. |
| ATM Limit | €500/mo ATM; physical card delivery €5.99 RO, €12.99 international |
| Spending Limit | €5000/day |
These figures can change. Confirm the current fees, FX and network in xPortal’s official terms before you apply.
Features
- Welcome Bonus: $5 referral
- Card Type: Virtual + Physical
- Top up with: Multi-currency top-ups across MultiversX Bitcoin Ethereum Solana Polygon and more
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
SEPA yes (EUR top-up); IBAN "coming soon"; no SWIFT
Supported Cryptocurrencies
You can load the xPortal Card with 1 cryptocurrency token. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, EGLD, SOL, SUI, BNB, POL, BERA, DOGE, Base + thousands of tokens
Who Is the xPortal Card Best For?
The xPortal Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The xPortal Card pays Up to 5% cashback in EGLD/UTK depending on EGLD/UTK staking tier (own program), plus up to 0.5% Mastercard priceless international cashback at participating merchants. cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Europe initially; expanding globally, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 5% cashback in EGLD/UTK depending on EGLD/UTK staking tier (own program), plus up to 0.5% Mastercard priceless international cashback at participating merchants. cashback
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the xPortal Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Multi-chain support (MultiversX, BTC, ETH, SOL, Polygon); virtual + physical card; no monthly/annual fees; Apple/Google Pay
- Earn Up to 5% cashback in EGLD/UTK depending on EGLD/UTK staking tier (own program), plus up to 0.5% Mastercard priceless international cashback at participating merchants. cashback on eligible purchases
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- No cashback without EGLD staking; ~3.5% FX on non-EUR; funds cannot be withdrawn once loaded; EEA only; premium tiers delayed since 2024; max 30 EUR/mo cashback even with 2000 EGLD staked
- Card issuance fee: Virtual free; Physical €9.99 + €5.99-12.99 delivery
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the xPortal Card
Here is what the sign-up process looks like, from application to first purchase.
Create a xPortal account
~5 minutesGo to the xPortal website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. xPortal verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with Multi-currency top-ups across MultiversX Bitcoin Ethereum Solana Polygon and more through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual xPortal Card shows up in the xPortal app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The xPortal Card is available in most countries. Some places may be excluded because of local financial regulations, so check the xPortal website to confirm before you apply.
Available in these regions:
Frequently Asked Questions
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