xPortal Card

What the xPortal Card is

xPortal is the MultiversX super app - wallet, payments, ecosystem hub - with more than 2.5 million users, and the xPortal Card is its everyday debit card. It is a Mastercard debit card issued free of charge, available as a virtual card immediately and as a physical 'Fresh Mint' card, and it lives inside the same app you already use for crypto. The pitch is deliberately simple: spend like a normal person, earn like a crypto user.

Free to get, cheap to hold

Issuance is free and there is no monthly or annual fee or cancellation fee. The costs that do exist sit around the edges: physical delivery is €5.99 in Romania and €9.99 internationally, ATM withdrawals are capped at €500 a month with no free allowance, and there is no free FX allowance either, so non-euro spending carries Mastercard conversion costs. Buying crypto through xMoney costs 1.49%, which is the fee to watch if you fund the card that way rather than topping up from existing balances.

Cashback tied to staking

Rewards reach up to 0.5% paid in EGLD or UTK, and the rate depends on how much EGLD or UTK you stake. That is a modest ceiling - far below the 2% to 10% advertised by competitors - and it means the card's rewards only scale if you are already committed to the MultiversX ecosystem. The non-cash benefits are more distinctive: up to 5% off tickets for xDay and other MultiversX events, and access to ecosystem events and meet-ups.

Who it fits

This is a card for people already living in MultiversX. Limits are practical for everyday use - €2,500 a day and €10,000 a month in top-ups, €5,000 a day of spending, €500 a month from ATMs - and the free issuance plus Apple Pay and Google Pay support make it a low-commitment addition. Anyone outside the ecosystem, or anyone chasing serious cashback, will find better economics elsewhere.

xPortal's free Mastercard debit comes from the MultiversX super app and works with Apple Pay and Google Pay, with cashback that only reaches 0.5% at the top tier. SwissBorg offers a free virtual Mastercard with similar trade-offs, and ZEN holds 35 currencies in one account. See the crypto cards listing.

Card

• MultiversX Mastercard debit card, free to issue.
• Virtual card available immediately, plus a physical 'Fresh Mint' card.
• Apple Pay and Google Pay support.
• No cancellation fee.
• Card management from the xPortal app, including freezing the card and adding it to Apple Wallet.

Spending and limits

• Daily top-up limit of €2,500 and monthly top-up limit of €10,000.
• Daily spending limit of €5,000.
• ATM withdrawals of up to €500 per month.
• Instant crypto-to-fiat conversion at the point of sale.

Rewards and ecosystem benefits

• Up to 0.5% cashback in EGLD or UTK, depending on how much EGLD or UTK you stake.
• Up to 5% discount on tickets for xDay and other MultiversX ecosystem events.
• Access to exclusive MultiversX events and meet-ups.
• Standard support with Intercom chat inside the app.

App

• xPortal is the MultiversX super app, used by more than 2.5 million people.
• Available on the App Store, Google Play and Huawei AppGallery.

Funding the card

The card is topped up from the xPortal app with crypto, which is converted to fiat so it can be spent at Mastercard merchants. MultiversX's own assets, EGLD and UTK, are the currencies tied to the rewards programme, and the app supports major stablecoins and tokens for topping up. Buying crypto inside the app goes through xMoney at a 1.49% fee, so topping up from assets you already hold is the cheaper route.

Rewards currency

Cashback is paid in EGLD or UTK, and the rate depends on how much of either you stake - so the reward is a nudge further into the MultiversX ecosystem rather than a general-purpose cash return. For holders of EGLD, that is a natural fit; for everyone else it adds a conversion step if you want to realise the value.

Custody

The card operates on custodial balances held for spending, while xPortal itself remains a self-custody wallet for the assets you keep in the app. In practical terms, the money you load onto the card is in the card programme's hands until you spend it, and the cashback you earn arrives as EGLD or UTK in the app.

Card costs

• Issuing fee: free
• Card delivery: €5.99 in Romania, €9.99 internationally
• Cancellation fee: none
• Monthly and annual fees: none published

Usage costs

• ATM withdrawals: €500 per month allowance, with no free withdrawals listed, so Mastercard and operator fees apply
• Foreign exchange: no free FX allowance listed, so non-euro spending converts at Mastercard rates with applicable fees
• Crypto purchase fees through xMoney: 1.49%

What that adds up to

xPortal keeps the card itself free and charges on activity instead. If you spend in euros, withdraw no cash and fund the card from crypto you already hold, the card can genuinely cost nothing except the point-of-sale conversion. Start buying crypto through xMoney at 1.49%, withdrawing cash or spending in other currencies and the costs accumulate - and the maximum 0.5% cashback will not come close to offsetting them.