CoinsOnCards

    Issued by Capital Financial Services S.A. (Twispay) — Electronic Money Institution (IEME-RO-0001) by National Bank of Romania

    xPortal CardReview

    A Mastercard Debit card for EEA users integrated with the non-custodial xPortal wallet.

    3.0· Updated: Apple Pay and Google Pay support added in Q1 2024
    Visit issuer
    Cashback
    Up to 5.0%
    Custody
    hybrid
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: MultiversX ecosystem users staking EGLD/XMN for up to 5% cashback.

    Skip if: You are outside the EEA or won't stake for rewards beyond 0%.

    • True non-custodial crypto storage with on-chain 2FA security.
    • Base tier has 0% cashback without staking EGLD/XMN.
    • Incurs a ~1% conversion fee plus up to 2.5% FX fee.
    Get the xPortal Card

    How it works

    Funding: Crypto conversion via xPortal app

    Rewards calculator

    Estimated cashback
    $2
    Effective rate 0.10%
    • $0–∞ @ 0.10% → $2 on $2,000

    Fees

    forex feeUp to 2.5% on the Mastercard exchange rate.
    annual feeN/A for Fresh Mint. Annual options available for premium tiers: €99.99 for Eco Black, €199.99 for Diamond Touch.
    other feesATM Balance Check: €1 in Romania, €2 abroad. Chargeback Fee: €20 for unsuccessful disputes. High-Risk Transactions: Up to 3% fee (minimum €1).
    monthly fee€0 for Fresh Mint tier. €9.99 for Eco Black. €19.99 for Diamond Touch.
    issuance feeVirtual card is free for the first three. Physical card is free for the base tier, but delivery fees apply (€5.99 in Romania, €12.99 international).
    conversion fee~1% for crypto-to-fiat conversion.
    atm withdrawal feeFree up to €200 per month, then 2% + €1 per withdrawal for the Fresh Mint tier.
    BankingCard functions as prepaid debit; fiat held in Twispay e-money account. Multi-currency accounts are planned but not yet available.

    Custody & risk

    • If the issuer disappears
      If the provider disappears, users retain access to their unconverted crypto assets but would lose access to the fiat balance held on the card account.
    • Counterparty risk
      Fiat balances are held custodially by Twispay; if provider disappears, users lose access to fiat card balance
    • Market risk
      Cashback paid in volatile EGLD/XMN tokens, which may lose value
    • Regulatory risk
      Service limited to EEA due to licensing limitations; expansion dependent on securing additional licenses

    The card uses a hybrid custody model. Crypto assets are held non-custodially in the user's xPortal wallet, where the user controls the private keys. Once crypto is converted to fiat (EUR) for spending, the fiat balance is held custodially by the licensed e-money issuer, Twispay.

    Protections

    • On-chain 2FA ('Guardian' mechanism)
    • Biometric authentication (Face ID/Touch ID)
    • PIN/password protection
    • Card freeze/unfreeze via app
    • Real-time transaction notifications
    • Custom spending limits
    • End-to-end encrypted communications

    Insurance & coverage: Limited coverage for Eco Black tier; Comprehensive travel and e-commerce purchase insurance for Diamond Touch tier

    Limits

    notes
    Daily top-up: €5,000, Monthly top-up: €25,000, Minimum top-up: €10
    atm daily
    €500
    atm monthly
    €2,500
    daily spending
    No fixed limit (subject to available balance)
    monthly spending
    €25,000

    The good

    • Non-custodial crypto storage; user controls private keys.
    • €0 monthly fee for the Fresh Mint tier.
    • Up to 5% cashback planned for premium tiers.
    • Strong security with on-chain 2FA Guardian mechanism.

    The catches

    • 0% cashback without staking EGLD or XMN tokens.
    • ~1% crypto conversion fee plus up to 2.5% FX fee.
    • Limited €500 daily / €2,500 monthly ATM withdrawals.

    Limitations

    • majorCurrently available only in European Economic Area (EEA) countries
    • majorBase tier offers minimal to no cashback without significant token staking
    • moderate~1% crypto-to-fiat conversion fee plus up to 2.5% FX fee on transactions
    • moderatePremium tiers (Eco Black and Diamond Touch) not yet launched
    • moderateLimited ATM withdrawal allowance (€500 daily/€2,500 monthly for base tier)
    • minorCannot deposit crypto directly to the card or e-money account – deposits are fiat (EUR), while crypto serves as a top-up path via conversion

    Where rewards don't apply

    • High-risk merchants (e.g., gambling) — May incur additional fees up to 3%

    What users say

    App Store
    4.8/5.0 (1,763 ratings)
    Google Play
    4.8/5.0 (52,043 ratings)
    Trustpilot
    2.7/5.0 (6 ratings)

    Positive aspects: Sleek design and interface, all-in-one solution for crypto and spending, strong security features, integration with broader MultiversX ecosystem. Common complaints: Low cashback without significant staking, FX conversion fee, initial waitlist delays, occasional technical issues, support response times.

    Rating breakdown

    Net reward
    0.0
    Custody risk
    3.5
    Availability
    1.5
    User experience
    4.8
    Features & convenience
    4.0

    See our methodology for how we score each axis.