Xapo Bank is a Gibraltar-licensed bank offering a Mastercard with 1% BTC cashback and Bitcoin savings yield — for serious Bitcoiners. 21Shares offers a Mastercard backed by its crypto ETP products, targeting EU and Swiss investors who want seamless crypto-to-fiat spending.
Our Score
| WINNER 🏔️ Xapo Bank Card | 📐 21Shares Card | |
|---|---|---|
| Key parameters | ||
| Network | Mastercard | Mastercard |
| Cashback | 1% in BTC | 0% |
| Issue Fee | Free | Free |
| Monthly Fee | $0 | $0 |
| KYC Level | Full KYC | Full KYC |
| Available In | Global (except US) | EU, Switzerland |
| Our Score | 8.1/10 | 7.2/10 |
| Additional parameters | ||
| Supported Crypto | BTC, USDC, USD | BTC, ETH + ETP products |
| ATM Fee | Free (limits) | 1.5% |
| Spend Limit | $50,000/mo | $20,000/mo |
| Mobile App | iOS & Android | iOS & Android |
Score breakdown
Score breakdown
Pros & Cons
🏔️ Xapo Bank Card WINNER
Pros
- Licensed bank (Gibraltar)
- 1% BTC cashback
- Bitcoin yield on deposits
- Strong security
Cons
- Not available in US
- BTC/USDC focus only
- Premium feel (invite-based)
- High minimum balance
📐 21Shares Card
Pros
- ETP/ETF crypto products
- Swiss regulated
- Institutional-grade security
- Mastercard acceptance
Cons
- No cashback
- EU/Switzerland only
- Investment-focused, not spending-focused
- Full KYC
Verdict: 🏔️ Xapo Bank Card
Xapo Bank Card edges ahead with better overall value, lower fees, and stronger user reviews in 2026.
Get Free Card →Frequently Asked Questions
Based on our independent analysis, Trustee Plus ranks #1 for everyday use — offering free issuance, 0% payment fees, non-custodial security, and availability in 100+ countries.
Both cards work internationally, but fees and regional availability differ. Check the comparison table above for exact ATM fees and supported countries.
Most crypto cards require at least light KYC. Trustee Plus has a streamlined KYC process that takes just minutes and supports users in 100+ countries.
Key fees include: card issuance fee, monthly maintenance fee, foreign transaction fee, ATM withdrawal fee, and crypto conversion spread. Trustee Plus charges 0% on card payments.
Yes — Visa and Mastercard crypto cards are accepted at 50+ million merchants worldwide. Trustee Plus converts crypto to fiat instantly at the point of sale.
Check the 'Available In' row in the comparison table. Trustee Plus has the widest coverage at 100+ countries.