Comparison

X1 Card vs Imperio Payment

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

Imperio Payment

Features
Read full description

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

X1 Card3 screens
Imperio Payment4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on October 30, 2026 and October 22, 2026 respectively.

ScorecardNo meaningful differences
X1 Card versus Imperio Payment: the parameters behind the verdict, then further details
ParameterX1 CardImperio Payment
PriceFreeFree
Rating4.9 (12K ratings) — better—
Positive reviews50.4% of reviews—
Number of ratings12K — better—
Update frequencyEvery 10 daysEvery 10 days
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.114.1 — better
Further details — not scored
Size79 MB29 MB
Age rating4+4+
DeveloperRobinhood 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

None

X1 Card

No in-app purchases

None

Imperio Payment

No in-app purchases

Questions

Is X1 Card free?
X1 Card is free to download, with no in-app purchases.
Is Imperio Payment free?
Imperio Payment is free to download, with no in-app purchases.
Do X1 Card or Imperio Payment have ads?
Neither X1 Card nor Imperio Payment shows ads.
Which is updated more often, X1 Card or Imperio Payment?
X1 Card ships an update every 10 days, and Imperio Payment every 10 days. Most recently, X1 Card was updated on October 30, 2026 and Imperio Payment on October 22, 2026.

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