xPortal Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual free for the first three cardsThe fine print
|
|---|---|
| Annual fee | Free |
| FX fee | Up to 2.5% on top of the Mastercard rate for non-EUR purchases, per the issuer's 2024 fee page; 1.49% to convert crypto to EUR through xMoney |
| ATM limit | EUR 500 a month on the card page; the 2024 issuer fee page says free up to EUR 200 a month, then 2% plus EUR 1, with a EUR 500 daily and EUR 2,500 monthly cap |
| Spending limit | €5000/day |
Fees change; the current ones are in xPortal’s terms.
Features
- Welcome bonus: $5 referral
- Cashback: Up to 0.5% in EGLD or UTK, depending on how much EGLD or UTK you stake
- Custody: Hybrid: the xPortal wallet is self-custody; the card spends a EUR e-money balance held by Capital Financial Services
- KYC: Yes
- 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…
Full list
… Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
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); the first Romanian EMI (Visa & Mastercard Principal (parent-owned by MultiversX)), inferred from the program manager and 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.
Pros and cons
Pros
- Free card issuance; add funds from your crypto wallet or your other cards; Apple Pay and Google Pay listed among the card's everyday benefits
- Earn 0.5% cashback on eligible purchases
- No annual maintenance fee
- Welcome bonus: $5 referral
- Banking rails: SEPA support
- Multi-chain top-up across 4+ networks
Cons
- Custodial EUR e-money balance
The fine print
- No cashback without staking EGLD or SUI, capped at EUR 30 a month even with 2,000 EGLD
- 1.49% to convert crypto to EUR
- Up to 2.5% FX on non-EUR purchases
- EEA only
- Card holds only EUR
Regional availability
Available across the EEA
The xPortal Card covers the EU member states plus Iceland, Liechtenstein and Norway.
Key supported countries:
Banking and fiat rails
Card overview
At up to 0.5% in EGLD or UTK, scaled by how much EGLD or UTK you stake, 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 debit for the EEA, issued by the Romanian e-money institution Capital Financial Services. Custody is split: the xPortal wallet is self-custody, but the card spends a EUR e-money balance held by the issuer.
The first three virtual cards are free and later ones cost 3 EUR, and the card page lists the physical card as free with 5.99 EUR delivery in Romania and 9.99 EUR elsewhere, though the help centre still charges 9.99 EUR for it. You fund it from BTC, ETH, EGLD, SOL and other tokens at 1.49% to convert to EUR through xMoney, and non-EUR purchases can add up to 2.5% over the Mastercard rate. 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.
Common questions about the xPortal Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
