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: Aug 26, 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.
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.
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 China applicability
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
China applicability
The source text is retained below.
Original
1、中国大陆：不可申请，X Money 当前仅向美国部分用户开放，中国大陆居民无法注册申请。
2、香港：不可申请，当前服务区域不包含香港居民，但已持卡用户可在Visa商户使用。
3、澳门：不可申请，当前服务区域不包含澳门居民，但已持卡用户可在Visa商户使用。
4、台湾：不可申请，当前服务区域不包含台湾居民，但已持卡用户可在Visa商户使用。
Updated: Aug 20, 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
User reviews
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Risk factors
Updated: Aug 20, 2026
No risk factors are available