X1 Card vs Imperio Payment
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
X1 Card
This app provides a digital interface for a smart credit card, offering features like transaction viewing, spending control with virtual cards, and rewards for purchases. It aims to offer higher credit limits and a premium card experience for a new generation of consumers.
- View transactions, balance, and limit
- Create virtual cards for spending control
- Earn up to 5X points on purchases
- Earn up to 10X points via in-app shopping
- Stainless steel card construction
- Higher credit limits
- No annual, foreign transaction, or late fees
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To apply for X1 Card, please visit x1.co. X1 Card The smartest credit card ever made. Designed for a new generation of cardholders, X1 Card embodies a new category of credit card. - 17g of pure stainless steel - Higher credit limits - Points on every single purchase - No annual fee - No foreign transaction fee - No late fee X1 App The technology powering X1's smart features. - View your transactions balance and limit at a glance - Take control of your spending with virtual cards - Earn up to 5X Points on every dollar spent with boosts - Earn up to 10X Points when you shop in the app Cardholder Support Please contact support within the app, and we'll respond as soon as possible. Disclosures X1 is a financial technology company, not a bank. X1 Card is issued by Coastal Community Bank, Member FDIC, pursuant to license from Visa U.S.A. Inc. Individual credit limits will vary by applicant and are subject to credit approval and underwriting. We cannot guarantee any specific credit limit, but most approved applicants receive a limit higher than their current average line.
Imperio Payment
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Setting up your free, digitally-managed, your own international IBAN account. It take 1 minute to sign up, verify your account, and order your debit virtual card. Financial tool for a modern lifestyle – a licenced and protected European private current account, managed with the flexibility of a digital app. Manage your finances from the comfort of your smartphone. Financial life done easier with Imperio Payment: • Open your account in 1 minute • Get your european IBAN • Send and receive money instantly • Access transactions at a glance • Easy account top ups • Multi-currency accounts (EUR, USD, GBP, CHF, PLN) • Instant online currency exchange • Currency exchange at interbank rates • Multi-signature services • Create digital invoices • Record expenses on your phone
Screenshots
Verdict
X1 Card and Imperio Payment are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on October 30, 2026 and October 22, 2026 respectively.
| Parameter | X1 Card | Imperio Payment |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (12K ratings) — better | — |
| Positive reviews | 50.4% of reviews | — |
| Number of ratings | 12K — better | — |
| Update frequency | Every 10 days | Every 10 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 14.1 — better |
| Further details — not scored | ||
| Size | 79 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Robinhood Markets, Inc. | IMPERIOPAY LTD |
Bugs and requests
X1 Card
Reported bugs
2 issues- Recurring payment issues and reversals
- Inconsistent account access and login problems
Requested features
4 requests- CSV download for transactions
- Ability to change billing cycle
- Support for additional card users
- Expansion of partner merchants for rewards
Imperio Payment
Not enough reviews yet to summarise bugs or requests.
In-app purchases
X1 Card
No in-app purchases
Imperio Payment
No in-app purchases









