# Xapo Bank Card

by Xapo Bank · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [xapobank.com](https://www.xapobank.com)

## Facts

- Xapo Bank Card is a debit card from Xapo Bank.
- The annual fee is 1,000.00 USD.
- Payments in foreign currencies cost 0 % above the network rate.
- Custody: custodial.
- Supported assets: BTC, ETH, USDT, USDC, ADA.
- Top-up networks: Bitcoin, Lightning, Ethereum, Tron, Solana.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical, metal |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | unknown |  |  |
| ↳ EU | Visa |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EU | Visa |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | converted on spend |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal, business |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | user setting |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | unknown |  |  |
| ATM withdrawals | Yes |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| ↳ EU | 0.00 USD |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EU | 0.00 USD |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | unknown |  |  |
| ↳ Metal card · EU | 89.00 USD |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Physical card · EU | 0.00 USD |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | unknown |  |  |
| Annual fee | 1,000.00 USD |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee | unknown |  |  |
| ↳ with BTC · on Lightning | free |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ with USDC · on Ethereum | free |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | 0.29 % |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % above the network rate |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | 25.00 USD (First replacement card in a year (January-December) is free; each additional replacement card in that year costs 25 USD.) |  | legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |
| Summer Cashback (paid in BTC) [promotion until 31 Oct 2026] | 3 % (Active Metal card) |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID + proof of address

### ID + proof of address

- Tier 1 at Xapo Bank — Requires: Address, ID document, Selfie / liveness, Proof of address — xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 50,000 USD |
| ATM per day | 2,000 USD |

### When is KYC needed?

- After a risk review at its own discretion, Xapo Bank may request additional documents such as proof of source of funds. — legal.xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Not available in 28 countries and regions |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Individual applicants must reside in a supported jurisdiction; Xapo Bank cannot serve residents of its listed prohibited countries. |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | not available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | available |
| Brazil | available |
| Nigeria | available |
| India | available |
| United Arab Emirates | available |
| Singapore | available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDT, USDC, ADA |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Bitcoin, Lightning, Ethereum, Tron, Solana |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | Select either the USD or Bitcoin account for card payments. |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Fiat top-up | Yes |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| ↳ EU | Transact Payments Malta Limited |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EU | Transact Payments Malta Limited |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | chat, email |  | xapobank.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

Licence of the card issuer Transact Payments:

- Malta Financial Services Authority · emi C 91879 · MT

## Company and trust

### Issuer

- Transact Payments
- Issues 3 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 18 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

62.1 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 73 | 18.1 |
| KYC and privacy | 20 % | 18 | 3.5 |
| Features | 15 % | 89 | 13.3 |
| Availability | 10 % | 78 | 7.8 |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 93 | 9.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Xapo Bank from the press and the provider's own channels, rated automatically.

- 25 Oct 2026: [Wealthy Bitcoin Holders Shift to Loans and Yield Products Instead of Selling](https://en.bloomingbit.io/feed/news/122881) (bloomingbit) — Neutral. Xapo Bank CEO comments on client lending and yield products; not a card change.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 29 Oct 2026: Score changed from 60.85 to 62.1.
- 29 Oct 2026: Score changed from 65.01 to 60.85.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 68.51 to 65.01.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 67.11 to 68.51.
- 29 Oct 2026: Score changed from 66.92 to 67.11.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Score changed from 66.67 to 66.25.
- 29 Oct 2026: Changes to reward programmes.
- 29 Oct 2026: Score changed from 54.17 to 66.67.
- 29 Oct 2026: Score changed from 49.33 to 54.17.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/xapo-bank-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/xapo-bank-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/xapo-bank-card/