PST.NET vs Xapo Bank
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Xapo Bank wins overall (5.6/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 PST.NET |  Xapo Bank | |
|---|---|---|
| Overall score | 4.4 | 5.6 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | 1% | 0% |
| Monthly fee | ? | $83.33 |
| Cashback | none | none |
| Regions | GLOBAL | GLOBAL |
Pick PST.NET if
- Known fee stack (1.0 vs 16.7 % equivalents on a $500/mo profile)
Pick Xapo Bank if
- you match none of PST.NET's edge cases - the closer score makes it the default
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
Xapo Bank
The only true bank in the comparison: a Gibraltar credit institution with deposit-guaranteed 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.