PintoPay Card vs Xkard Essential Card
Two no KYC crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. PintoPay Card scores higher overall (8.0 vs 6.5), but the better pick depends on what you need.
PintoPay Card
by PintoPay
8.0editor score 4.8/10
Pick PintoPay if you want a card that
- ✓cheaper to open
- ✓cheaper to keep
- ✓cheaper to load
- ✓also comes as a physical card
Xkard Essential Card
by Xkard
6.5editor score 5.2/10
Pick Xkard Essential if you want a card that
- ✓rated higher by users
Side by side
| PintoPay | Xkard Essential | |
|---|---|---|
| Editor score | 8.0/10Better | 6.5/10 |
| User rating | 4.8/10 | 5.2/10Better |
| ID check | No KYC | No KYC |
| Card fee | $10.00Better | $108.00 |
| Monthly fee | FreeBetter | $9.00 |
| Top-up fee | 2.5%Better | 4.5% |
| FX fee | Not listed | Not listed |
| Daily limit | $25,000 | No stated limit |
| Cashback | None | None |
| Card type | Virtual and physicalBetter | Virtual |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 1 | 1 |
PintoPay: pros and cons
- +No KYC, with instant virtual card issuance
- +Supports BTC, ETH, USDT, BNB and TRX across networks
- +Cards can be issued via app or Telegram bot
- +No hidden monthly fees
- −$0.25 per transaction plus up to 2.5% top-up fee
- −Top-ups can take up to 12 hours
- −Card funds cannot be withdrawn back to crypto
- −No standard cashback, only referral rewards
Xkard Essential: pros and cons
- +No identity verification needed
- +Works with Apple Pay and Google Pay for tap payments
- +Virtual card issued immediately
- +Available worldwide except sanctioned regions
- −Steep 4.5% fee on each recharge
- −Annual subscription is due upfront
- −No physical card offered
- −Can only be funded with USDT
Questions
Is PintoPay Card or Xkard Essential Card better?
PintoPay Card has the higher editor score (8.0/10). PintoPay cheaper to open, cheaper to keep and cheaper to load. Xkard Essential rated higher by users.
Which is cheaper, PintoPay or Xkard Essential?
PintoPay charges $10.00 to open and 2.5% per top-up. Xkard Essential charges $108.00 to open and 4.5% per top-up. The top-up fee matters most if you load larger amounts.
Do PintoPay and Xkard Essential require KYC?
PintoPay: no ID needed. Xkard Essential: no ID needed.
Do PintoPay and Xkard Essential work with Apple Pay?
PintoPay works with Apple Pay and Xkard Essential works with Apple Pay.
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