xPortal Card
xPortal · Mastercard
xPortal Card is a non-custodial Mastercard linked to the xPortal wallet app, born in the MultiversX (EGLD) ecosystem, letting users spend crypto assets converted into euro at Mastercard merchants. The card is issued by Capital Financial Services SA (CFS), regulated by the National Bank of Romania, with funds held in segregated safeguarding accounts. Issuance and the annual fee are free (shipping the physical card costs EUR 5.99 in Romania or EUR 9.99 internationally); a stated 1.49% fee applies to crypto conversion via xMoney. Cashback reaches up to 0.5%, paid in EGLD or UTK depending on staking within the MultiversX ecosystem. It is available as both a virtual card (with Apple Pay and Google Pay) and a physical card, in the EU and UK, with mandatory full KYC. The network FX markup (separate from the 1.49% crypto conversion fee) is not publicly documented and is set to 0 here pending official confirmation; ATM withdrawals are limited to EUR 500 per month and the ATM fee is undocumented.
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 | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | ATM withdrawals limited to EUR 500 per month; ATM fee not publicly documented |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 0.5% in EGLD / UTK · Nessuno obbligatorio per ottenere la carta; lo staking sull'ecosistema MultiversX aumenta il tier di cashback |
| Chains | MultiversX |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 6/10 |
| Supported countries | EEA, UK |
| Funding / solidity | xPortal è la super-app crypto dell'ecosistema MultiversX (ex Elrond). La xPortal Card è emessa da Capital Financial Services SA, istituto di moneta elettronica con sede a Bucarest (Romania) autorizzato dalla Banca Nazionale della Romania. |
| Estimated net annual cost | €0/year |
| Regulator | Banca Nazionale della Romania (National Bank of Romania) |
| Segment | B2C |
| Funding / solidity | xPortal is the crypto super-app of the MultiversX (formerly Elrond) ecosystem. The xPortal Card is issued by Capital Financial Services SA, an e-money institution based in Bucharest (Romania) authorised by the National Bank of Romania. |
| MiCA / License status | Emessa da Capital Financial Services SA (CFS), regolata dalla Banca Nazionale della Romania; fondi protetti in conti di safeguarding segregatiCircuito Mastercard Card issued by Capital Financial Services SA, an e-money institution authorised by the National Bank of Romania (authorisation Series IEME no. 001/25.04.2013); funds held in segregated safeguarding accounts; Mastercard network. |
Strengths
- Non-custodial model: assets stay in the xPortal wallet whose keys you keep, while the card runs on Mastercard
- Issued by Capital Financial Services SA, regulated by the National Bank of Romania, with funds in segregated accounts
- No issuance fee and no annual fee; virtual card with Apple Pay and Google Pay
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Stated 1.49% fee on crypto conversion via xMoney
- Cashback (up to 0.5%) conditional on staking within the MultiversX ecosystem and paid in EGLD/UTK tokens
- Available only in the EU and UK, with mandatory full KYC and ATM withdrawals capped at EUR 500/month
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Card issued by Capital Financial Services SA, an e-money institution authorised by the National Bank of Romania (authorisation Series IEME no. 001/25.04.2013); funds held in segregated safeguarding accounts; Mastercard network.): reporting to authorities and freezes on order.
Verdict
Partial protection: the card is issued by Capital Financial Services SA, an e-money institution authorised by the National Bank of Romania, with funds held in segregated safeguarding accounts; there is no bank-style protection (e.g. deposit guarantee) on the crypto balances.
Good on sovereignty: the model is non-custodial and assets stay in the xPortal wallet whose keys you keep, but full KYC remains mandatory and spending routes through a regulated issuer and the Mastercard network.
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 xPortal Card custodial or self-custody?
It is non-custodial: assets stay in the xPortal wallet whose keys you keep, while the Mastercard is issued by Capital Financial Services SA, regulated by the National Bank of Romania.
How much cashback does the xPortal Card offer and in what is it paid?
It reaches up to 0.5%, depending on staking within the MultiversX ecosystem, and is paid in EGLD or UTK tokens; issuance and the annual fee are free.
Sources
- Official service page Fee emissione · Fee conversione 1 · 49% · Cashback · +3 Data verified on Jun 22, 2026
- cryptocardhub.com Disponibilità EEA incl. Italia · Regolamento in EUR · Prepaid Mastercard · Regolatore Banca Nazionale della Romania Data verified on Jun 23, 2026
- help.xportal.com Emittente Capital Financial Services SA autorizzato dalla Banca Nazionale della Romania (Serie IEME n. 001/25.04.2013) · Regulator · Disponibilità EEA inclusa Italia · Valuta di regolamento EUR · +1 Data verified on Jun 23, 2026
- opencryptocards.com Fee emissione e annuale gratuite · Conversione 1 · 49% · Cashback fino a 0 · +4 Data verified on Jun 22, 2026
Show 1 more source
- todey.xyz Network Mastercard · Custodial · KYC · Regioni EU/UK · +4 Data verified on Jun 22, 2026