Fold vs Xapo — Which Onchain Bank is Better?

Spec Fold Xapo
NetworkVisaMastercard
ChainBitcoinBitcoin
CustodyCustodialCustodial
CashbackUp to 15%1%
Annual Fee$0 / $100TBD
FX Fee0%0%
Regions🇺🇸 Americas🌍 Global

🏆 Verdict: Xapo

Xapo edges ahead with better specs overall.

FAQ

Which has better cashback: Fold or Xapo?

Xapo offers 1% vs Fold's Up to 15%.

Is Fold or Xapo self-custody?

Fold is Custodial, while Xapo is Custodial.

Which card has lower fees?

Fold charges $0 / $100 annually, while Xapo charges TBD.

Fold Full Review

Read on Spendbase →

Xapo Full Review

Read on Spendbase →

Fold Profile →

Xapo Profile →