TXBFI Card Gold
A plan byTXBFI Card · Visa
The TXBFI Card is a custodial crypto prepaid card on the Visa network issued by TheXBanky s.r.o. (TXBFI brand), a VASP-licensed company registered in the Czech Republic and supervised by the Financial Analytical Office. It is loaded with crypto (BTC, ETH, SOL, SUI, XRP, USDC and more) converted to fiat at spend. It comes in four lifetime-priced tiers with no subscription: Virtual $25, Plastic $300, Metal $1,000 and Gold $10,000; no monthly or annual fees. The FX markup is 0.6% and BTC cashback reaches up to 0.4% depending on tier. Note, however, a high deposit fee (1.8%-2.6%) and ATM caps that vary by tier ($0 on virtual, up to $3,000/day on Gold). Available in the EU, UK, LATAM and globally, with mandatory KYC.
Gold
- prezzo_una_tantum_usd
- $10K
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data verified on Jun 22, 2026 · personalise the calc
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €25 |
| Annual fee | Free |
| Free ATM limit | Virtual $0 · Plastic $1,000 · Metal $1,500 · Gold $3,000 per day |
| ATM withdrawal | Free |
| FX markup | 0.6% |
| Cashback | 0.4% in BTC · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA, UK, LATAM |
| Funding / solidity | TheXBanky s.r.o. (brand TXBFI), IČO 21932506, società privata con sede in Repubblica Ceca; emette la TXBFI Card su circuito Visa con licenza VASP. |
| Estimated net annual cost | €0/year |
| Regulator | Financial Analytical Office (Finanční analytický úřad, Repubblica Ceca) |
| Segment | B2C |
| Funding / solidity | TheXBanky s.r.o. (TXBFI brand), IČO 21932506, a private company based in the Czech Republic; issues the TXBFI Card on the Visa network under a VASP license. |
| MiCA / License status | VASP (Czech Republic, Financial Analytical Office) Company registered as a VASP (Virtual Asset Service Provider) in the Czech Republic, supervised for AML by the Financial Analytical Office; operates under the Czech and EU AML frameworks. |
Strengths
- Low FX markup (0.6%) and no monthly or annual fee, with one-off lifetime tier pricing
- Cashback paid in real BTC rather than a proprietary token
- Broad geographic coverage (EU, UK, LATAM, global) and many supported cryptos
- No notable sovereignty advantage documented.
Weaknesses
- Very high deposit fee (1.8%-2.6%) that erodes the spending-fee advantage
- Custodial model: funds are held by TheXBanky, no self-custody
- Modest top cashback (0.4%) and steep entry to the best tiers (Gold $10,000)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Company registered as a VASP (Virtual Asset Service Provider) in the Czech Republic, supervised for AML by the Financial Analytical Office; operates under the Czech and EU AML frameworks.): reporting to authorities and freezes on order.
Verdict
Custodial card issued by a company with only a Czech VASP registration (not MiCA/CASP) under Financial Analytical Office AML supervision: no deposit guarantee, funds held by the issuer and limited consumer protection.
Fully custodial model with mandatory KYC and issuer-managed conversion: no self-custody of keys and low user sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the TXBFI Card custodial?
Yes: per the documented tiers, funds are held by TheXBanky and converted at the point of payment. You do not have self-custody of the keys.
What are the main costs?
No monthly or annual fee, but a one-off tier price (from $25 virtual to $10,000 Gold), a 0.6% FX markup, and a high deposit fee of 1.8%-2.6%.
Sources
- Official service page Azienda · Paese licenza · Licenses & registrations · Payment network · +6 Data verified on Jun 23, 2026
- todey.xyz Fee emissione · Fx markup · Cashback · ATM limits · +4 Data verified on Jun 22, 2026