bestbitcoincard
Find my card

PlasBit vs Xapo Bank

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

PlasBit
3.8
Full KYCCustodialOn-chain
Request card
Higher score Xapo Bank
5.4
Full KYCCustodialLightning
Request cardreferral link

Short answer Xapo Bank wins overall (5.4/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.

Who wins what

  • PlasBitKnown fee stack (1.5 vs 16.7 % equivalents on a $500/mo profile)
  • Xapo BankLightning funding that actually loads the card
  • Xapo BankPhysical card option

Rule-based on the documented facts below - no judgement calls.

PlasBit Xapo Bank
Bitcoin flow
BTC loadDirect BTC top-up (on-chain)Direct BTC top-up (on-chain) + Lightning
Lightning fundingnoyes - loads the card
BTC sale timingNot documentedNot documented
Fees
Top-up fee0%0%
FX fee1.5%0%
Monthly feenone$83.33
ATM fee2%2%
Cashbacknonenone
Privacy & custody
KYCFull KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentedUSD 50,000/day in-store and USD 50,000/day online; temporary raises up to USD 750,000 case-by-case via support
ATM daily limitnot documentedUSD 2,000/day
Max loadnot documentednot documented
Availability
RegionsGLOBALGLOBAL
NetworkVisa?
Form factorVirtualPhysical + virtual
Apple Payno (not documented as of 2026-11-07)no (not documented as of 2026-11-07)
Google Payno (not documented as of 2026-11-07)no (not documented as of 2026-11-07)
ATM withdrawalno (not documented as of 2026-11-07)yes (card + PIN 2%)

Pick PlasBit if

  • Known fee stack (1.5 vs 16.7 % equivalents on a $500/mo profile)

Pick Xapo Bank if

  • Lightning funding that actually loads the card
  • Physical card option

PlasBit

A crypto-banking platform whose card program requires verification before use - a verify listing, not a recommendation.

Full review

Xapo Bank

The only true bank in the comparison: a Gibraltar credit institution with deposit-insured USD, savings interest paid daily in BTC and worldwide card spending with no FX fees. The $1,000/year membership makes it a wealth product, not a spending card - it pays off for balances where the 3.35% yield outruns the fee.

Full review

More head-to-heads

PlasBit vs MoonPlasBit vs NuriPlasBit vs Gemini Credit CardPlasBit vs 2FiatPlasBit vs Goblin Card Compare any cards

FAQ

Which is better for privacy, PlasBit or Xapo Bank?
Both cards sit at the same KYC depth: PlasBit and Xapo Bank require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
PlasBit: Not documented. Xapo Bank: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-11-01 · How we verify