Xapo Bank vs TAP Global
On the standard spending profile, TAP Global has the lowest net annual cost (€0). TAP Global offers the highest cashback (3%). Pick Xapo Bank if you prioritise simplicity and exchange integration; consider TAP Global if you prefer a mature custodial ecosystem.
| Xapo Bank | TAP Global | |
|---|---|---|
| Tier | A | C |
| Rating | ★ 4.5 | ★ 3.3 |
| FX markup | 0% | 1.5% |
| Cashback | 1% | 3% |
| Annual fee | Free | Free |
| Estimated net annual cost | €1,000 | €0 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | EU/EEA, UK, APAC, LATAM, MENA, Africa | EU/EEA, UK, MENA |
| Licences & safety | Banking License (Gibraltar) | VASP (GI) |
Frequently asked questions
Xapo Bank vs TAP Global: which is better?
On the standard spending profile, TAP Global has the lowest net annual cost (€0). TAP Global offers the highest cashback (3%). Pick Xapo Bank if you prioritise simplicity and exchange integration; consider TAP Global if you prefer a mature custodial ecosystem.
Which is cheaper, Xapo Bank or TAP Global?
On the standard spending profile TAP Global has the lowest net annual cost: €0 versus €1,000 for Xapo Bank.
Which offers more cashback, Xapo Bank or TAP Global?
TAP Global has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Xapo Bank custodial or self-custody?
Xapo Bank is custodial: funds are held by the platform, while TAP Global is custodial.
Which is better for spending abroad?
For foreign-currency spending Xapo Bank wins, with the lowest FX markup: 0%.