Basicsxapo-bank-card
- Card form
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debit
Source and check
Source
xapobank.com
Wording at the source
Navigate seamless global transactions using traditional banking networks, stablecoins, Bitcoin, and our premium debit card with zero foreign exchange fees.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Card types
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virtual, physical, metal
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Custody
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custodial
Source and check
Source
xapobank.com
Wording at the source
- Your Bitcoin is secured by MPC-CMP custody: the full private key never exists in one place. Not at creation, not at signing, not ever. - Bitcoin is held 1:1, legally segregated under Gibraltar's DLT...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Funding model
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converted on spend
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Card currencies
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USD
Source and check
Source
xapobank.com
Wording at the source
The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world. Available as both an instant virtual card for secure online shop...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Usage
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personal, business
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank membership is open to individuals who are at least 18 years of age and reside in one of our supported jurisdictions, as well as qualifying institutions. Because Xapo Bank is a fully regulate...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Limits depend on
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user setting
Source and check
Source
xapobank.com
Wording at the source
Managing your Xapo Bank debit card is easier than ever with our user-friendly app. You can monitor your spending with real-time notifications, freeze and replace cards instantly, and set spending limi...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
Source and check
Source
xapobank.com
Wording at the source
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Contactless
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Yes
Source and check
Source
xapobank.com
Wording at the source
We're also rolling out targeted upgrades, such as new Visa cards with dramatically improved acceptance and contactless features for our members in several countries, and upgraded Visa Metal cards with...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance |
differs in EU
|
| Physical card issuance |
|
| Shipping | unknown |
| Monthly fee | unknown |
| Annual fee |
1,000.00 USD
Source and check
Source
xapobank.com
Wording at the source
Becoming a member of Xapo Bank requires an annual membership fee of $1,000 USD. This single, transparent subscription grants you full access to a premium digital wealth ecosystem, which includes secur...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee |
|
| Crypto deposit fee | unknown |
| Crypto conversion fee |
0.29 %
Source and check
Source
xapobank.com
Wording at the source
Yes, if you're a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offe...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum conversion | unknown |
| Foreign currency fee |
0 % above the network rate
Source and check
Source
legal.xapobank.com
Wording at the source
5.2 The Xapo Card supports transactions in any currency. When the currency of a transaction that you have made with your Xapo Card is different to the currency you hold in your Xapo Account, an exchan...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| 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.)
Source and check
Source
legal.xapobank.com
Wording at the source
Replacement of Card: | First replacement card in a year (January-December) | | |---|---| | First replacement card in a year (January-December) | 0 USD | | | | | Additional replacement card in a year...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? ↳ replacement_1: 25.00 USD ↳ replacement_2: 25.00 USD |
| Plan waivers | unknown |
| Cashback & rewards | |
| Cashback | 3 % promotion until 31 Oct 2026
Source and check
Source
xapobank.com
Wording at the source
Metal cardholders earn 3% cashback on all taxi and ridesharing services worldwide, including providers like Uber and Lyft. The offer runs from 1st July to 31st October 2026 and activates automatically...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? , regular unknown |
Summer Cashback
Source and check
Source
xapobank.com
Wording at the source
Metal cardholders earn 3% cashback on all taxi and ridesharing services worldwide, including providers like Uber and Lyft. The offer runs from 1st July to 31st October 2026 and activates automatically...Checked Verified Value wrong? History What does [s] mean? paid in BTC promotion until 31 Oct 2026 |
3 %Active Metal card |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID + proof of address
ID and a recent proof of address
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Tier 1 at Xapo Bank
from age 18
Source and check Source xapobank.com Wording at the source
Xapo Bank membership is open to individuals who are at least 18 years of age and reside in one of our supported jurisdictions, as well as qualifying institutions. Because Xapo Bank is a fully regulate...
Checked Verified Value wrong? History What does [s] mean?Requires: Address, ID document, Selfie / liveness, Proof of address
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| Limits | Value |
|---|---|
| Spending per day |
50,000 USD
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank members can transact freely on the debit card up to the following daily spending limits. - In-store purchases: USD 50,000/day - Online payments: USD 50,000/day - ATM withdrawals: USD 2,000/...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per day |
2,000 USD
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank members can transact freely on the debit card up to the following daily spending limits. - In-store purchases: USD 50,000/day - Online payments: USD 50,000/day - ATM withdrawals: USD 2,000/...Checked Verified Value wrong? No earlier versions What does [s] mean? |
KYC: ID + proof of address Identity verification is required from the first level.
When is KYC needed?
- Risk reviewAfter a risk review at its own discretion, Xapo Bank may request additional documents such as proof of source of funds.
Source and check
Source
legal.xapobank.com
Wording at the source
6.4 You agree to fully cooperate with all requests made by us or a third party acting on our behalf, to identify or authenticate your identity or validate your source of funds or your transactions.
Checked Verified Value wrong? History What does [s] mean?
Availability
| Attribute | Value |
|---|---|
| Available in |
|
| Residency requirement |
Individual applicants must reside in a supported jurisdiction; Xapo Bank cannot serve residents of its listed prohibited countries.
Source and check
Source
xapobank.com
Wording at the source
Xapo Bank membership is open to individuals who are at least 18 years of age and reside in one of our supported jurisdictions, as well as qualifying institutions. Because Xapo Bank is a fully regulate...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Key countries
- 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
✓ available · ✗ not available · ? not known from the sources
Point at or tap a country.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
BTC, ETH, USDT, USDC, ADA
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks |
Bitcoin, Lightning, Ethereum, Tron, Solana
Source and check
Source
xapobank.com
Wording at the source
| Asset | Ticker | Functionality | Supported networks | |---|---|---|---| | Bitcoin | BTC | Deposits, withdrawals, trading | Standard Bitcoin, Lightning Network | | Tether USD | USDT | Deposits, autom...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Spending order |
Select either the USD or Bitcoin account for card payments.
Source and check
Source
xapobank.com
Wording at the source
Yes, the premium metal debit card allows you to spend your Bitcoin and USD balances globally. You can select which account to make payments from your card with. The card is accepted for purchases and...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up |
Yes
Source and check
Source
xapobank.com
Wording at the source
- Or fund your account with USDT, USD, GBP, EUR, or a BTC transfer. Stablecoins and fiat convert automatically to USD.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Bonuses and promotions
What Xapo Bank offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.
No referral bonus, welcome bonus or promotion documented yet.
Trust
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
differs in EU
|
| Program manager | unknown |
| Headquarters | unknown |
| Support channels |
chat, email
Source and check
Source
xapobank.com
Wording at the source
- 24/7 assistance — Get help anytime through in-app chat or email.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Issuer
Transact Payments
Source and check
Source
xapobank.com
Wording at the source
*The Xapo Bank card in the EU region is issued in partnership with Transact Payments Malta Limited, a payments and electronic money institution authorised and regulated by the Malta Financial Services...Checked Verified Licensed 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
Licences
Licence of the card issuer Transact Payments
-
Malta Financial Services Authority
Source and check
Source
bitpanda.com
Wording at the source
Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91...
Checked Verified What does [s] mean? E-money licence C 91879 (MT)
What users report
No community reports evaluated yet.
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.
Methodology and weights-
CostsWeight 25 %18.1 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %3.5 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %13.3 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %7.8 of 10 points
number of countries, EU/US/UK
-
RewardsWeight 10 %not scored counts neutral (5.0)
cashback considering caps and staking requirements
-
TrustWeight 10 %9.3 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % not scored
- Company age (up to 5 years)Weight 10 % not scored
- Card on the market (up to 3 years)Weight 10 % not scored
- IssuerWeight 15 % 92
- OwnershipWeight 10 % not scored
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 86
- Incidents (12 months)Weight 15 % 100
-
CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
News
Recent news about Xapo Bank from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 1 neutral, 0 negative
-
bloomingbit NeutralWealthy Bitcoin Holders Shift to Loans and Yield Products Instead of Selling
Assessment: 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.
Early warning
Alerts for this card
We tell you what changes at Xapo Bank Card and Xapo Bank, with evidence for every alert.
Changelog
Score changed from 60.85 to 62.1.
Score changed from 65.01 to 60.85.
Changes to licences.
Score changed from 68.51 to 65.01.
Changes to KYC levels and requirements.
Changes to limits.
Score changed from 67.11 to 68.51.
Score changed from 66.92 to 67.11.
Changes to KYC levels and requirements.
New logo.
Score changed from 66.67 to 66.25.
Changes to reward programmes.
Score changed from 54.17 to 66.67.
Score changed from 49.33 to 54.17.
Changes to limits.
Changes to KYC levels and requirements.
Changes to licences.
Apply for Xapo Bank Card directly with the provider.
All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.