# XCEL SmartCard

> Mobile app for managing Visa credit and debit card usage and security. (iPhone/iPad app by XCEL Federal Credit Union.)

- Source: https://appshunter.io/ios/app/xcel-smartcard/id1540670536 (this page in markdown: same URL + `.md`)
- Developer: [XCEL Federal Credit Union](https://appshunter.io/developer/555546507)
- Category: Finance
- Price: Free
- Rating: 2.50/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 13.0 · 66 MB
- Languages: English
- Released: 2020-12-08
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xcel-smartcard/id1540670536/reviews.md

## What is XCEL SmartCard?

XCEL SmartCard protects your Visa credit and debit cards by sending transaction alerts and enabling you to define when, where and how your cards are used. Download the app to your mobile device, then set your preferences to monitor and manage your cards.

Fraud Protection
Real-time alerts keep you informed of when your cards are used to quickly detect unauthorized or fraudulent activity.

Location-Based Controls
Restrict transactions to merchants near your location or by region using city, state, country or zip code on an interactive map.

Control Spending
Set spending limits for general use or specify thresholds by merchant category (gas stations, restaurants or retail stores) and by merchant type (in-store purchases or e-commerce and ATM transactions). Transactions above your thresholds will be declined.

Card On/Off Setting
When “on” transactions are allowed per settings. When “off,” purchases and withdrawals are denied.

Review Balances and Transactions
Monitor your finances anytime, anywhere.

## Key features

- Real-time transaction alerts
- Location-based transaction controls
- Spending limit settings
- Card on/off toggle
- Balance and transaction review


## Frequently asked questions about XCEL SmartCard

### How does XCEL SmartCard protect my Visa cards?

XCEL SmartCard offers fraud protection through real-time transaction alerts, allowing you to quickly detect unauthorized activity. It also enables location-based controls and spending limits to further secure your card usage.

### Can I turn my XCEL SmartCard on and off?

Yes, XCEL SmartCard features a card on/off setting. When 'on,' transactions are allowed according to your defined preferences. When 'off,' all purchases and withdrawals are denied.

### What kind of spending controls does XCEL SmartCard offer?

You can set spending limits for general use or by merchant category and type. Transactions exceeding these thresholds will be declined, giving you granular control over your spending.

### Does XCEL SmartCard allow me to review my card activity?

Yes, the app allows you to monitor your finances anytime, anywhere by reviewing your card balances and transaction history directly within the application.

### What devices support XCEL SmartCard?

XCEL SmartCard is currently supported on iPhone and iPod devices. It is designed to run on iOS operating systems.

### How often is XCEL SmartCard updated?

The latest version of XCEL SmartCard is 5.70.2, last updated on August 23, 2023. Updates typically include performance improvements and security enhancements.

### What is the age rating for XCEL SmartCard?

XCEL SmartCard has an age rating of 4+. This indicates it is suitable for users of all ages, with no specific content restrictions.

### Does XCEL SmartCard have ads?

No, XCEL SmartCard does not contain advertisements. The app is free to download and use without interruptions from ads.

## Version history (last 5 releases)

### 5.70.2 — 2023-08-23

Minor bugs fixes and enhancement.

### 5.63.5 — 2023-04-01

Minor Bug Fixes

### 5.63.4 — 2023-03-22

Minor bug fixes and security enhancements.

### 5.62.1 — 2022-12-20

Minor bug fixes and security enhancements.

### 5.53.1 — 2022-02-16

We are continually releasing new updates to further improve the user experience. Please be sure to turn on automatic updates to get the most out of CardValet. 
	 
In the latest release we’ve:
	· Updated the ADA User Experience 
	· Addressed other minor code bugs 
	 
If you’re experiencing issues, please reach out to your Financial Institution for assistance.

## Apps similar to XCEL SmartCard

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [City FCU Card](https://appshunter.io/ios/app/city-fcu-card/id1550669831) | — | Free | Finance |
| [HPCU CardControl](https://appshunter.io/ios/app/hpcu-cardcontrol/id1519330348) | — | Free | Finance |
| [Gainey Business Bank](https://appshunter.io/ios/app/gainey-business-bank/id1639555199) | 5.0 (1) | Free | Finance |
| [TCB Card Manager](https://appshunter.io/ios/app/tcb-card-manager/id1571756552) | 5.0 (1) | Free | Finance |
| [Ninnescah Valley Bank Mobile](https://appshunter.io/ios/app/ninnescah-valley-bank-mobile/id1416261703) | 5.0 (1) | Free | Finance |
| [FDLCU CC APP](https://appshunter.io/ios/app/fdlcu-cc-app/id1571337888) | — | Free | Finance |

## More apps by XCEL Federal Credit Union

- [XCEL Federal Credit Union](https://appshunter.io/ios/app/xcel-federal-credit-union/id555546504)

All apps by XCEL Federal Credit Union: https://appshunter.io/developer/555546507

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*