Ledger
The X Bank (TXBFI)
The X Bank (TXBFI)The X Bank (TXBFI)
VisaVirtual and plasticAsks for everythingOperational
A lifetime card price instead of a subscription: you pay once — $25, $300, $1,000 or $10,000 — and the tier you buy permanently sets your deposit fee (2.6% down to 1.8%) and your uncapped BTC cashback rate (0.05% up to 0.4%). The more you pay up front, the cheaper every future top-up becomes, which is the exact inverse of the monthly-fee model everyone else uses.
Total, per $100 spent: $3.20per $100 spent
134 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 3 times that for the same loss of privacy.
Open txbfi.comNot a paid link: we earn nothing either way.
Whether to take The X Bank (TXBFI)
In its favour
- One payment, then the card is yours for life — no monthly fee, no annual fee, no subscription of any kind
- Four price points instead of a paywall: Virtual $25, Plastic $300, Metal $1,000, Gold $10,000
- Forex markup is 0.6% per international transaction, which is well under the 1.5–3% most crypto cards charge
- BTC cashback on every transaction, 0.05% on Virtual up to 0.4% on Gold, with no monthly cap and no category exclusions
Against it
- The deposit fee is the real cost here: 2.6% on Virtual and Plastic, 2.4% on Metal, 1.8% on Gold — the headline '1.8%' only applies to the $10,000 tier
- $25 buys the cheapest tier and the worst rate; the cheap top-up fee is locked behind a four-figure entry price
- Physical cards support Google Pay only — no Apple Pay on plastic, metal or gold
- No spending limits are published at all: nothing per transaction, per day, per month or as a balance ceiling
Also true, in its favour
- Cashback is paid in bitcoin rather than a house token you can only spend inside the app
- Seven assets fund the card directly: BTC, SOL, SUI, XRP, XLM, USDT and USDC
- Cross-chain swaps inside the app carry no gas or bridging fee
- Payouts to local bank accounts in more than 20 currencies sit alongside the card in the same dashboard
- 0% fee on deposits made from an exchange, so the topping-up cost only bites when you fund the card itself
- The issuer holds a Czech VASP registration and states it operates under EU and Czech AML rules — a named jurisdiction, not an anonymous shell
- Virtual cards work with both Apple Pay and Google Pay
- One app covers login, KYC, exchange, cards and rewards, so there is no second portal to learn
What The X Bank (TXBFI) costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $25.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 2.6% |
| To spend it | |
| To spend outside the dollar | 0.6% |
| Total, per $100 spent | $3.20 |
Not published by the issuer: to spend, per payment, fixed, at a cash machine.
Read off txbfi.com on July 31, 2026.
There are four one-time prices and no recurring charges: Virtual $25, Plastic $300, Metal $1,000 and Gold $10,000, each valid for the life of the card with $0 monthly and $0 annual fees. The cost that actually matters is the deposit fee on card top-ups: 2.6% on Virtual and Plastic, 2.4% on Metal and 1.8% on Gold — the figure shown here is the worst case, 2.6%. Deposits from an exchange into the account are free; forex is 0.6% per international transaction. Cashback comes back in BTC at 0.05% (Virtual) to 0.4% (Gold) with no cap. No spending limits, ATM fees or blocked-country list are published anywhere on the site.
KYC: what The X Bank (TXBFI) asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
The X Bank (TXBFI) publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in7BTC, SOL, SUI, XRP, XLM, USDT, USDC
TiersVirtual, Plastic, Metal, Gold
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- No ATM access is advertised, and no ATM fee is published either way
- Full KYC is mandatory — the site states this plainly, so there is no low-verification path
- No list of blocked or unsupported countries is published, so you cannot check eligibility before signing up
- No Trustpilot presence we could reach, and no independent track record to check the payout claims against
- No launch year is published, so the operating history is unknown
- Apps for iOS and Android are still labelled beta
- The VASP registration is stated but no registration number or supervising authority is named on the site
- The blockchains the balances settle on are never disclosed, only the ticker symbols
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off txbfi.com on July 31, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Per-payment charge · Cash machine charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open txbfi.comNot a paid link: we earn nothing either way.
Alternatives to The X Bank (TXBFI)
Takes $1.20 less on every $100 spent.
Reap CardReap CardVisaVirtual and plasticAsks for everythingOperational2% outside the dollar. 1 fee field is not published.AG21 Jul$2.00per $100 spent
Reap CardReap CardVisaVirtual and plasticAsks for everythingOperational2% outside the dollar. 1 fee field is not published.AG21 Jul$2.00per $100 spentTakes $1.70 less on every $100 spent.
Wayex Visa CardWayex Visa CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spent
Wayex Visa CardWayex Visa CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spentTakes $1.20 less on every $100 spent.
KleosKleosVisaVirtual and plasticAsks for everythingOperational2% when you load. 1 fee field is not published.AG12 Sept$2.00per $100 spent
KleosKleosVisaVirtual and plasticAsks for everythingOperational2% when you load. 1 fee field is not published.AG12 Sept$2.00per $100 spent