xPortal Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get xPortal CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
At 0.1% to 0.5%, capped between 5 and 30 EUR a month, unlocked only by staking EGLD or SUI, and drawn from a limited 10,000 EUR promo pool, the cashback is closer to a gesture than a reward. Treat xPortal as a rewards-free card and it makes more sense: a MultiversX-ecosystem Mastercard Prepaid for the EEA, free virtually (physical 9.99 EUR plus delivery), funded by BTC, ETH, EGLD, SOL and thousands of other tokens at roughly 1% crypto-to-EUR conversion. Two structural catches: loaded funds cannot be withdrawn back to crypto, and the long-promised premium tiers have been delayed since 2024. ATM is a tight 500 EUR a month. MultiversX loyalists get the ecosystem's native option. Judged purely as a spending card, it lands mid-pack.
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 Funds cannot be withdrawn once loaded onto the card.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, Diamond Touch) delayed since 2024.
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
Who issues the xPortal Card
xPortal Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Capital Financial Services SA (Twispay), Romania (NBR EMI — first Romanian EMI) — Visa & Mastercard Principal (parent-owned by MultiversX) — inferred from the program manager, not stated by the issuer itself.
Primary source · All cards issued by Capital Financial Services SA (Twispay) · Why the issuer matters
Supported Cryptocurrencies
You can load the xPortal Card with crypto; the asset we track for it is listed below. 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 0.5% 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 0.5% 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)
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 0.5% 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
- 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
A few minutesGo to the xPortal website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerxPortal runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad 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:
Common questions about the xPortal Card
What are the fees for the xPortal Card?
How does the xPortal Card cashback work?
Where is the xPortal Card available?
What cryptocurrencies does the xPortal Card support?
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