Xapo Bank Card
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.
Base cashback
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
Free*Show source
Physical card fee: Free
Card included in the membership; additional replacement card in a year 25 USD
Source states (paraphrased): Experience the flexibility of high spending limits and a complimentary premium metal card.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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 needed
Tap a value for its source. * = conditions apply.
At a glance
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
Good for
- Frequent travellers
Not for
- Users who insist on self-custody
Risks to understand
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
All details
Fees6/15
- 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
- Physical card fee
Free*Show source
Physical card fee: Free
Card included in the membership; additional replacement card in a year 25 USD
Source states (paraphrased): Experience the flexibility of high spending limits and a complimentary premium metal card.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card included in the membership; additional replacement card in a year 25 USD
- 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, Virtual card fee, Replacement fee, Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards4/14
- 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%
- Interest on balance
4.1%*Show source
Interest on balance: 4.1%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
Source states (paraphrased): Xapo Bank offers up to 4.6%* interest on USD Savings, paid daily in BTC.
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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 & financing1/11
- 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 & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets4/11
- Physical card
Yes*Show source
Physical card: Yes
Complimentary metal card with the membership
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Complimentary metal card with the membership
- Virtual card
Yes*Show source
Virtual card: Yes
Included in the membership (metal, standard and virtual cards)
Source states (paraphrased): Your Xapo Bank membership includes metal, standard, and virtual debit cards
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Included in the membership (metal, standard and virtual cards)
- ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Free up to USD 100 per month, then 2%
Source states (paraphrased): Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Free up to USD 100 per month, then 2%
- Spend stablecoins
No*Show source
Spend stablecoins: No
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Source states (paraphrased): Deposit stablecoins with automatic conversion to USD
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Not yet researched: Apple Pay, Google Pay, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- Regulation / licences
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source
Regulation / licences: Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)
Source states (paraphrased): Banking services are provided by Xapo Bank Limited, which is regulated as a Credit Institution by the GFSC (Permission No. 23171)
Source: https://www.xapobank.com/en/banking/transact
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Not yet researched: Deposit protection, Smart-contract risk.
Limits1/2
- 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.
Product3/7
- 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%
- Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: https://www.xapobank.com/banking-services/global-debit-card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Not yet researched: Network, 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% | 49 |
Cashback & rewards Only an 'up to' rate is published · Interest on balance 4.1% (variable) | 20% | 24 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features 3 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 53 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.0% · Free ATM allowance ≈ €87/month | 5% | 62 |
Transparency 5 of 5 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 85%. 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.
Computed by a fixed formula; affiliate relationships 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.
Is Xapo Bank Card self-custodial?
Custodial (The provider holds the funds).
Change history20 entries
- Regulation / licences not disclosed → ["Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171)","USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000","crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)"] · 24 October 2026 · approved
- Spend stablecoins not disclosed → false · 24 October 2026 · approved
- Physical card fee not disclosed → {"amount":0,"currency":"USD"} · 24 October 2026 · approved
- ATM withdrawals not disclosed → true · 24 October 2026 · approved
- Physical card not disclosed → true · 24 October 2026 · approved
- Virtual card not disclosed → true · 24 October 2026 · approved
- Interest on balance not disclosed → 4.1 · 24 October 2026 · approved
- Custody model not disclosed → "custodial" · 24 October 2026 · approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Cashback type 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