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; ATM withdrawals are limited to EUR 500 per month and the ATM fee is undocumented.
The clause
That 0.5% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
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 | not declared |
| 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.
Reputation
What happened to people who used xPortal Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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App Store ↗
4.8/5
1,824 reviews
Refers to the 'xPortal: BTC & Crypto Wallet' app (seller MultiversX Labs S.R.L., US storefront), the MultiversX ecosystem wallet, NOT specifically the xPortal Card. Verified via the iTunes lookup API (id 1519405832).
Weighted average across 1 public review platform (1,824 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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 Cashback Data verified on Jun 22, 2026
- opencryptocards.com Limiti Data verified on Jul 10, 2026
- cryptocardhub.com Data verified on Jun 23, 2026
- help.xportal.com Regulator · Contactless Data verified on Jun 23, 2026
Show 1 more source
- todey.xyz Custodial · KYC · Chains Data verified on Jun 22, 2026