Xapo Bank Card
- Custody
- Custodial
- Network
- Unknown
- Card types
- Virtual + physical
- Card product
- Debit
- Wallets
- Unknown
Shipping countries are not published.
Partly verified · 8 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Xapo Bank Card is a crypto card that comes as a virtual and a physical card. It is a debit card.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by crypto and bank transfer. It can be funded with BTC. Top-ups are accepted on 2 blockchain networks: Bitcoin and Lightning.
Fees
It has no physical card issuance fee. The annual fee is USD 1,000. It has no foreign currency fee. It has no FX markup. The crypto conversion spread is 0.29%. The ATM withdrawal fee is 2%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the monthly fee and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: USD 50,000. ATM withdrawal limit per day: USD 2,000.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How we check
We last checked this card on 15 Oct 2026, against 9 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Pros and cons of Xapo Bank Card
Pros
- No foreign exchange fee
- Low conversion fee: 0.29%
- No card issuance fee
- Comes as a virtual and a physical card
Cons
- Annual fee: USD 1,000
- Custodial: the issuer holds your funds
- 4 of 12 key facts are not verified yet
Who it suits
- Frequent travellers, as there is no foreign exchange fee
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
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Limits
Rewards
Top-up assets and networks
Spends from the account's U.S. Dollar or Bitcoin balances.
- BTCBitcoinLightningNetwork not statedChecked 03 Oct 2026agingsource
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- The Xapo Card is an international debit card that lets you seamlessly spend your U.S. Dollar or Bitcoin balances anywhere in the world.Checked 03 Oct 2026agingsource
No country matches your search.
Frequently asked questions about Xapo Bank Card
Is Xapo Bank Card a virtual or a physical card?
Xapo Bank Card comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with Xapo Bank Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 2%.
Does Xapo Bank Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up Xapo Bank Card?
You can top it up by crypto and bank transfer.
Which crypto can I use with Xapo Bank Card?
It can be funded with BTC. Top-ups are accepted on 2 blockchain networks: Bitcoin and Lightning.
Does Xapo Bank Card have an annual fee?
Yes. The annual fee is USD 1,000. The conditions are listed in the fees table on this page.
What does Xapo Bank Card charge on payments in a foreign currency?
Xapo Bank Card has no foreign currency fee. Xapo Bank Card has no FX markup. The conditions are listed in the fees table on this page.
What are the spending and ATM limits of Xapo Bank Card?
Daily spending limit: USD 50,000. ATM withdrawal limit per day: USD 2,000.
Sources
- Rewards termsXapo card enhancements 2025xapobank.com
- Other official pageMembership benefitsxapobank.com
- Fees pageFeeslegal.xapobank.comChecked 15 Oct 2026
- Fees pageFees Information Sheetlegal.xapobank.com
- Cardholder termsVisalegal.xapobank.com
- Cardholder termsCardslegal.xapobank.comChecked 15 Oct 2026
- Other official pageWhat is the xapo card rkqkdTAydcustomersupport.xapo.comChecked 15 Oct 2026
- Other official pageTransactxapobank.comChecked 15 Oct 2026
- Fees pageMembershipxapobank.comChecked 07 Oct 2026
- Rewards termsSummer cashbackxapobank.comChecked 15 Oct 2026
- Cardholder termsSupplemental cashbacklegal.xapobank.com
- Cardholder termsBanklegal.xapobank.comChecked 15 Oct 2026
- Other official pagePayments and global transfersxapobank.comChecked 15 Oct 2026
- Supported countriesCompany and membershipxapobank.comChecked 15 Oct 2026
- Rewards termsRates and promotionsxapobank.com
- Other official pageIntroducing xapo banks debit cards with visaxapobank.com