Xapo Card

The Xapo Bank Card is an international debit card included with Xapo Bank membership. It lets members spend either their USD or Bitcoin balance at supported merchants and ATMs.

Xapo offers virtual and physical cards, including a premium Metal card. The card is part of a regulated banking and Bitcoin platform based in Gibraltar, rather than a standalone prepaid crypto card.

Yes. Xapo members can select Bitcoin as the balance used by the card. Xapo converts the required BTC when the payment is processed, while the merchant receives a normal card payment.

Xapo currently says it does not charge a separate Bitcoin conversion fee for card spending and applies a transparent spread of about 0.29%. The spread can change, so the live transaction screen should be checked before a large BTC-funded purchase.

No. The Xapo Card is linked to balances held within Xapo Bank and Xapo's regulated Bitcoin infrastructure, so card funds are not controlled by a private key held solely by the user.

Xapo focuses heavily on institutional-grade custody and security, but secure custody is different from self-custody. Users who require direct private-key control should treat the Xapo Card as a custodial banking product.

Xapo Bank currently charges a $1,000 annual membership fee. That membership includes the USD bank account, Bitcoin services, institutional-grade custody and access to the global debit card.

Xapo offers a 30-day trial period under its current membership terms. Because the annual fee is much higher than most crypto-card fees, the card makes the most sense for users who value the broader Xapo banking and Bitcoin service rather than the card alone.

Xapo currently charges 0% of its own foreign exchange fee on card purchases. It markets the card as a global spending product without hidden FX spreads.

For Visa cards issued in Europe, the legal terms note that the Visa exchange rate can still include the network's own markup. Merchants or ATMs can also offer dynamic currency conversion, which is separate from Xapo's pricing.

Xapo changed its cashback programme on 1 July 2026. The previous general cashback on everyday card spending was removed and replaced with targeted promotional campaigns.

The current summer campaign pays 3% cashback in Bitcoin on eligible taxi and ridesharing purchases for members with an activated Metal card. It runs from 1 July through 31 August 2026. Users should not treat 3% as a permanent base cashback rate.

Xapo offers an instant virtual card and physical card options, including a premium Metal card. Current membership materials state that the Metal card is included as part of the premium global banking experience.

Card network and benefits can depend on the issuing region. Xapo publishes separate Visa Europe and outside-Europe card terms, so users should check the programme shown in their app.

Yes. Xapo cards support ATM withdrawals at compatible machines. Xapo currently includes up to $100 of ATM withdrawals per month without its own withdrawal fee, then charges 2% on the amount withdrawn above that allowance.

The published daily ATM limit is $2,000. ATM operators can add their own surcharge, and Xapo notes that it cannot guarantee acceptance by every ATM.

Xapo currently publishes daily limits of $50,000 for in-store purchases and $50,000 for online payments. European Visa terms also list a monthly purchase limit of $250,000.

For unusually large purchases, Xapo says members can contact its team to request a temporary limit increase, potentially up to $750,000 on a case-by-case basis. Approval is not automatic.

Xapo says supported USDC and USDT deposits are automatically converted into USD rather than remaining as stablecoins in the bank account. Supported networks include options such as Ethereum, Solana and Tron.

Once converted, the USD balance can be used through the Xapo Card. This means Xapo is not a card that maintains a spendable USDT or USDC balance all the way to checkout.

Yes. Xapo Bank Limited is regulated by the Gibraltar Financial Services Commission as a credit institution. Xapo VASP Limited is separately regulated as a DLT Provider.

This separation matters because USD banking and crypto services do not have identical legal protections. Xapo specifically states that crypto-asset deposits are not covered by the Gibraltar Deposit Guarantee Scheme.

The card is available to approved Xapo Bank members. Applicants must be at least 18, complete identity and due-diligence checks, pay the membership fee and live in a jurisdiction Xapo supports.

Xapo does not publish one simple global eligibility list because regulatory availability varies. The application in the Xapo Bank app is the final check for residency and account approval.

Yes. Xapo Bank is a regulated financial institution and requires identity verification, customer due diligence and screening before and during the account relationship.

Card access comes through the verified Xapo Bank account, so it is not a no-KYC crypto card. Xapo can also request additional information about tax residency, source of funds or account activity when required.

Download the Xapo Bank app, submit the membership application and complete the required identity, personal and security checks. If approved, pay the current $1,000 annual membership fee using an accepted payment method.

Card access is then provided through the Xapo account. Members can use a virtual card and order the physical option available for their region, including Metal where offered.

Xapo Bank provides support through its official app, Help Centre and member support channels. Its premium membership also includes access to relationship-management support for eligible members.

For a lost card, suspicious payment or ATM problem, secure the card in the app and contact Xapo through official channels. Never provide passwords, PINs or authentication codes to someone who contacts you unexpectedly.