XPlace Card

Name: XPlace Card
Brand: XPlace
Rating: 4.7 (49 reviews)

Tap the card to read the small print

Get XPlace Card

Your first yearCosts about/yr

If you spend/mo

Monthly fee · none: $0
Cashback: None
Currency fee · 2%: /yr
ATM: No ATM on Basic
Your money: You hold it
Sign-up: Email / Apple / Google + ID check
Apple / Google Pay
The card itself: Free (Basic)

How we calculateChecked November 10, sources in each section below

Our take

For crypto holders who want to spend against their coins without selling them. Not for you if a price drop forcing a sale of your coins would worry you, or if you often pay in other currencies.

Pay in other currencies a lot? Compare with MEXC Card

Good to know

Borrow against BTC, ETH, SOL or USDT instead of selling
Collateral earns yield on Kamino
No interest charged by the card itself
Collateral can be liquidated if prices fall
2% on foreign purchases on Basic
Cashback only when you borrow

Get the card

Fees

Source

Annual fee: Basic free; Silver $99, Gold $249, Platinum $999
Card purchase fee: 0%
Paying abroad: XPlace docs, about the card · November 10; 1% XPlace + 1% Visa on BasicTerms fee table: 1% on Basic, 0.5% Silver, 0.25% Gold, 0% Platinum; card terms: 0%
Bank transfer: 2% on Basic1.5% / 1% / 0.5% on higher tiers
Swaps: 1% on Basic
Borrowing (Credit Mode): XPlace docs, credit · November 10; Variable Kamino rateShown in the app before you borrow
Late / returned payment: XPlace Card Terms International (25.10.2025) · November 10; Up to $40 / $29

Plans

BasicFree

$2,000 a month
0.5% back in Credit Mode, up to $10 a month
Virtual card

Silver$99 / year

$10,000 a month
1% back in Credit Mode
Physical card, 1 lounge visit

Gold$249 / year

$50,000 a month
1.5% back in Credit Mode
4 lounge visits, 2 fast tracks

Platinum$999 / year

$750,000 a month
2% back in Credit Mode
0% XPlace FX fee, unlimited lounges

Limits

Source

Spending a month (Basic): $2,000
Per purchase (Basic): $1,000
Loan-to-value: XPlace docs, credit · November 10; USDT 80%, BTC/ETH 70%, SOL 65%, jitoSOL 50%

Top up & withdraw

Source

Top up

Crypto: USDC, USDT, SOL, BTC (cbBTC), ETH (wETH), jitoSOL
Bank transfer: XPlace Terms and Conditions (effective 20.05.2026) · November 10; 2% on Basic

Withdraw

To a wallet or bank: XPlace home page · November 10; Any time, subject to Kamino liquidity

For residents of 232 countries

Afghanistan Åland Islands Albania Algeria American Samoa Andorra Angola Anguilla Antarctica Antigua & Barbuda Argentina Armenia Aruba Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belgium Belize Benin Bermuda Bhutan Bolivia Bosnia & Herzegovina Botswana Bouvet Island Brazil British Indian Ocean Territory British Virgin Islands Brunei Bulgaria Burkina Faso Burundi Cambodia Cameroon Canada Cape Verde Caribbean Netherlands Cayman Islands Central African Republic Chad Chile Christmas Island Cocos (Keeling) Islands Colombia Comoros Congo - Brazzaville Congo - Kinshasa Cook Islands Costa Rica Côte d’Ivoire Croatia Curaçao Cyprus Czechia Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Falkland Islands Faroe Islands Fiji Finland France French Guiana French Polynesia French Southern Territories Gabon Gambia Georgia Germany Ghana Gibraltar Greece Greenland Grenada Guadeloupe Guam Guatemala Guernsey Guinea Guinea-Bissau Guyana Haiti Heard & McDonald Islands Honduras Hong Kong Hungary Iceland Indonesia Ireland Isle of Man Italy Jamaica Japan Jersey Jordan Kazakhstan Kenya Kiribati Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macao Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Martinique Mauritania Mauritius Mayotte Mexico Micronesia Moldova Monaco Mongolia Montenegro Montserrat Morocco Mozambique Namibia Nauru Netherlands New Caledonia New Zealand Niger Nigeria Niue Norfolk Island North Macedonia Northern Mariana Islands Norway Oman Pakistan Palau Palestine Panama Papua New Guinea Paraguay Peru Philippines Pitcairn Islands Poland Portugal Puerto Rico Qatar Réunion Romania Rwanda Samoa San Marino São Tomé & Príncipe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Sint Maarten Slovakia Slovenia Solomon Islands Somalia South Africa South Georgia & South Sandwich Islands South Korea South Sudan Spain Sri Lanka St. Barthélemy St. Helena St. Kitts & Nevis St. Lucia St. Martin St. Pierre & Miquelon St. Vincent & Grenadines Sudan Suriname Svalbard & Jan Mayen Sweden Switzerland Taiwan Tajikistan Tanzania Thailand Timor-Leste Togo Tokelau Tonga Trinidad & Tobago Tunisia Turkmenistan Turks & Caicos Islands Tuvalu U.S. Outlying Islands U.S. Virgin Islands Uganda United Arab Emirates United Kingdom United States Uruguay Uzbekistan Vanuatu Vatican City Wallis & Futuna Western Sahara Yemen Zambia Zimbabwe

Not on the list? Then XPlace Card doesn't accept people living there yet.

How they check where you live: IP geolocation and KYC data
ID from another country: Not for citizens of 17 countries, wherever they live
ID accepted: XPlace Prohibitions · November 10; KYC; not for residents or nationals of 17 countries, and not in some US states
Pays in: XPlace card page · November 10; Anywhere Visa works, 160+ countries

Not for citizens of

BelarusChinaCubaIndiaIranIraqIsraelMyanmar (Burma)NepalNicaraguaNorth KoreaRussiaSyriaTürkiyeUkraineVenezuelaVietnam

Trust

Source

Card issued by: Third National (issuer); programme manager Signify Holdings, Inc.; app by Pontech Group L.L.C-FZ
Licence: Visa card issued by Third National; XPlace is a technology company, not a lender — borrowing runs on the Kamino protocol
Based in: United Arab Emirates (Meydan Free Zone, Dubai, licence 2527237.01)

App StoreChecked November 10

4.7★49 ratings