Xapo Bank Card
by Xapo Bank
Debit card from Gibraltar-based Xapo Bank, included in its $1,000/year membership, spending USD or bitcoin with up to 1% bitcoin back and no FX markup.
Key stats
- Base cashback
- No data yet
- Max cashback
1%*Show source
Max cashback: 1%
Up to, on qualifying purchases
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Base fee
$1,000/year*Show source
Annual fee: $1,000/year
Xapo Bank membership, card included
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- FX fee
0%*Show source
FX fee: 0%
Network exchange rate, no Xapo markup
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- ATM fee
2%*Show source
ATM fee: 2%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card fee
- No data yet
- Credit line
NoShow source
Credit line: No
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Staking for top rewards
- No data yet
Tap a value for its source, retrieval date and confidence. * = conditions apply.
Pros
- No FX markup from the issuer
- Free ATM withdrawals up to $100/month
Cons
- Annual cost $1,000 (Xapo Bank membership, card included)
- Top rate of 1% only with conditions — Up to, on qualifying purchases
Who is it for?
- Frequent travellers
Who should avoid it?
Not enough data to say.
Fees
- Annual fee
$1,000/year*Show source
Annual fee: $1,000/year
Xapo Bank membership, card included
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Xapo Bank membership, card included
- FX fee
0%*Show source
FX fee: 0%
Network exchange rate, no Xapo markup
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network exchange rate, no Xapo markup
- Crypto conversion fee
0.1%*Show source
Crypto conversion fee: 0.1%
Spread when spending from the BTC wallet
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Spread when spending from the BTC wallet
- ATM fee
2%*Show source
ATM fee: 2%
Outside Gibraltar, above the free monthly allowance; operator fees separate
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Outside Gibraltar, above the free monthly allowance; operator fees separate
- Free ATM allowance
$100/monthShow source
Free ATM allowance: $100/month
Source: Fee Information Document – Xapo Bank Limited
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards
- Max cashback
1%*Show source
Max cashback: 1%
Up to, on qualifying purchases
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to, on qualifying purchases
- Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Cashback type
CryptoShow source
Cashback type: Crypto
Source: Secure Global Bitcoin Debit Card Benefits
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Base cashback, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing
- Credit line
NoShow source
Credit line: No
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies
No availability data published or researched yet.
Features, wallets & supported assets
No features data published or researched yet.
Security & custody
No security & custody data published or researched yet.
Limits
- ATM limit
$2,000*Show source
ATM limit: $2,000
Per day
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per day
Not yet researched: Spending limit.
Product
- Product status
ActiveShow source
Product status: Active
Source: Xapo Bank membership
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card type
Debit cardShow source
Card type: Debit card
Source: Xapo Bank FAQs – Payments
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Network, Custody model, Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €870/year · Per-transaction costs ≈ 0.10% | 20% | 36 |
Cashback & rewards Only an 'up to' rate is published | 20% | 4 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €87/month | 5% | 62 |
Transparency 4 of 4 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 65%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score
FAQ
- Does Xapo Bank Card have an annual or monthly fee?
- Base tier: $1,000/year (Xapo Bank membership, card included). Source: Xapo Bank membership.
- What is the FX fee of Xapo Bank Card?
- 0% (Network exchange rate, no Xapo markup). Source: Xapo Bank FAQs – Payments.
- How much cashback does Xapo Bank Card pay?
- Highest advertised rate: 1% (Up to, on qualifying purchases). Paid in BTC.
- Is Xapo Bank Card a credit card?
- No. It is a debit card; you spend your own balance.
Change history
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Free ATM allowance recorded · 22 October 2026 · auto-approved
- ATM limit recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved