Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Visa / Crypto-friendly bank account card
X
X Card
Updated: Sep 29, 2026
X Money is a digital payment and financial service introduced by the X platform, intended to provide money management, transfers, payments, and bank card services within the X app. The service includes an X Money account and X Card, allowing users to make everyday purchases and ATM withdrawals with a Visa debit card and earn cashback on eligible purchases. The service is currently available primarily to some users in the United States.
- Card network
- Product type
- Crypto-friendly bank account card
- Card form
- Virtual + physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USD- Last updated
- Sep 29, 2026
Official and company information
Issuer identity and company credentials
xMoney is a European compliant payment and digital asset financial infrastructure company headquartered in Romania, with previous ties to the MultiversX ecosystem. The company provides payment processing, card issuance, merchant acquiring, and other financial services through its electronic money institution Capital Financial Services S.A., and conducts crypto asset-related business through VASP entities registered in Portugal and Estonia.
- Company / issuer
- X Money
- Legal name
- Capital Financial Services S.A.
- Registered region
- Romania (RO)
- Headquarters
- Bucharest, Romania
- Company type
- Program manager
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
X Money is a financial services product in the X (formerly Twitter) ecosystem, positioned as the payment and fund management module of a “super app.” Users can manage funds, transfer money to other users, receive salaries, pay bills, and use X Card for in-store and online purchases within X Money.
X Card is a Visa debit card that supports Apple Pay, can be used at merchants across the Visa network, and provides worldwide ATM withdrawals. Account funds receive deposit services through partner banking institutions, while X Money itself is not a bank. The service is currently being rolled out gradually in the United States.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
X X Card | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | — |
| Card issuance fee | Free |
| ATM fee | Free Global ATM withdrawals |
| Foreign exchange fee | Free No foreign exchange fee |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | 3% Qualifying purchases |
| Crypto cashback | — |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | — |
| Monthly spending limit | — |
| ATM withdrawal limit | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global ex-US
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，X Money is currently rolling out to U.S. residents aged 18 or older, with card access limited to eligible Premium or Premium+ users who complete the required U.S. identity verification.
2. United Kingdom：Cannot apply，Can use，UK residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in the UK while traveling.
3. Canada：Cannot apply，Can use，Canadian residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in Canada while traveling.
4. Australia：Cannot apply，Can use，Australian residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in Australia while traveling.
5. South Africa：Cannot apply，Can use，South African residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in South Africa while traveling.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in New Zealand while traveling.
7. Ireland：Cannot apply，Can use，Irish residents are outside the current U.S.-only issuance program, but cards issued to eligible U.S. users can still be used in Ireland while traveling.
Updated: Sep 13, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
US ID document
Review time / regional limits
Identity verification typically involves manual or automated verification processes.
KYC provider
Not disclosed
Updated
Aug 20, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 20, 2026
Wallet payments
Alipay
Not supported
Aug 20, 2026
Wallet payments
Apple Pay
Supported
Aug 20, 2026
Cash services
ATM withdrawal
Supported
Aug 20, 2026
AI tools
ChatGPT
Supported
Aug 20, 2026
AI tools
Claude
Supported
Aug 20, 2026
Wallet payments
Google Pay
Not supported
Aug 20, 2026
AI tools
Midjourney
Supported
Aug 20, 2026
In-person payments
Offline POS
Supported
Aug 20, 2026
Online shopping
Online shopping
Supported
Aug 20, 2026
Wallet payments
PayPal
Not supported
Aug 20, 2026
Subscriptions
Subscription payment
Supported
Aug 20, 2026
Wallet payments
WeChat Pay
Not supported
Aug 20, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 0 approved reviews matched to this card
No approved reviews
Approved source content will appear after it is matched to this card.
Risk factors
Updated: Aug 20, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does X Card require KYC?
Our record lists the X Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does X Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Not supported.
Which assets can I top up X Card with?
Our record lists X Card support for: USD.
Is X Card a virtual or a physical card?
X Card is offered as: Virtual + physical card.
Where is X Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues X Card?
X Card is operated by X Money on the Visa network.