Xapo Card
by Xapo Bank Ltd
The Xapo Bank Card is a premium debit card (metal, standard/plastic, and virtual) included with Xapo Bank membership ($1,000/year). It links to a regulated Gibraltar USD and Bitcoin bank account, with 0% FX fees on card spend, ATM access worldwide (free up to $100/month then 2%), and yield on USD Savings (currently 3.35% variable APY paid daily in BTC) and BTC Savings (0.25% variable). Card cashback is framed as limited-time promotional offers in BTC, not a permanent everyday rate.
Unique Features
- Direct USD banking with BTC integration
- USDC/USDT deposits auto-convert to USD (Ethereum USDC stated 1:1 with no additional fee)
- Limited-time promotional BTC cashback on selected spend (e.g. rideshare promo)
- Airport lounge access (first visit free per year, then paid)
Pros
- Regulated bank (Gibraltar Deposit Guarantee Scheme on USD)
- USD Savings currently 3.35% variable APY paid daily in BTC; BTC Savings 0.25% variable
- No foreign transaction / FX markup on card spend
- Lightning Network support
- Metal, standard, and virtual debit cards included with membership
Cons
- High annual membership fee ($1,000)
- Low ATM free allowance ($100/month, then 2% plus operator fees)
- Card cashback is limited-time / selected spending only (not a permanent everyday rate)
- Not available in the USA / sanctioned regions
Integrations & Tech
Available In (1)
Not Available In (11)
Tier Comparison
Standard / Companion (Plastic)
0% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
No FX markup, network rate used
Detailed Limits
Fee Details
Annual $1,000 membership includes the debit card package. Metal card issuance $0. ATM: free up to $100/month in and outside Gibraltar, then 2% (operator fees may apply). First replacement card per calendar year $0; additional replacements $25; emergency replacement production $100. Debit card payments in USD or foreign currency $0 (operator fees may apply). No FX markup on card spend. Closed-card reissue $25. Fiat dormancy after account close: $50/year (separate from open-account inactivity).
Limits & Conditions
Standard daily spend limit $10k (adjustable to $50k). Standard ATM daily limit $1k (adjustable to $2k).
Crypto Capabilities
Security & Custody
Supported Assets
