Issuer referenceNeobank / money appVisa / Mastercard

Xapo Bank Card

A premium international bank card for spending USD or Bitcoin, with stablecoins converted into dollars first.

Xapo Bank CardVisa / Mastercard

The Xapo Bank Card is an international debit product for eligible members of the Gibraltar-regulated bank. Current documentation describes instant virtual cards plus plastic or metal physical cards, with Visa or Mastercard programmes depending on region. It spends USD or Bitcoin balances; USDC and USDT deposits convert automatically to USD. The card sits inside a $1,000 annual membership, KYC and jurisdiction checks apply, and crypto deposits are not covered by the Gibraltar deposit-guarantee scheme.

Go to official site View all cardsReviewed 2026-08

Rewards

No verified cashback

Fees

$1,000 annual Xapo account package including the international premium debit card

Custody

Custodial

Eligibility

Eligible Xapo Bank members in supported jurisdictions. The current prohibited-country list includes the United States, Nicaragua, Venezuela, and other named jurisdictions; card programme and network can vary by residence.

Fees

Monthly fee$1,000 annual Xapo account package including the international premium debit card

Issuance$0 metal-card issuance under the current general fee schedule

FX$0 Xapo fee for debit-card payments or foreign-currency card payments; Visa, Mastercard, merchant, or operator charges can still apply

ATM$0 up to $100 per month, then 2% of the withdrawal amount; ATM-operator charges can apply

Top-upsSpend USD or Bitcoin balances. USDC and USDT deposits are automatically converted to USD before the resulting balance can be spent; Bitcoin conversion uses a disclosed spread

Rewards

Xapo can run selected-spend campaigns, but its current disclosures say cashback is not a permanent feature for all purchases. No standing rate is represented here.

Availability

GlobalLatin AmericaEuropeAsia-Pacific

Official sources

Xapo payments and transfers FAQCurrent card formats, Visa and Mastercard programmes, USD and Bitcoin spending, automatic stablecoin conversion, spending limits, and ATM allowance.Xapo service feesCurrent annual account package, metal-card issuance, card-payment, foreign-currency, ATM, replacement, Bitcoin-spread, and stablecoin-conversion fees.Xapo company and membership FAQCurrent membership price, age, KYC, global metal-card inclusion, and prohibited-jurisdiction list.Xapo Visa Card termsCurrent debit-card classification, Xapo Bank issuer role, account linkage, acceptance, and programme terms.Xapo transactCurrent global debit-card positioning, USD and Bitcoin spending, foreign-exchange boundary, physical metal card, and temporary-cashback disclaimer.

Pros & cons

Pros

Instant virtual plus plastic or metal physical formats
Spend either USD or Bitcoin balances
No Xapo foreign-currency card-payment fee
Up to $100 in monthly ATM withdrawals before the 2% fee
High published daily spending limits

Cons

$1,000 annual account package
Custodial bank and VASP accounts with KYC
Unavailable in the United States, Nicaragua, Venezuela, and other named jurisdictions
Stablecoins convert to USD rather than remaining as card balances
No permanent all-purchase cashback documented

Best for

Eligible global and Latin American Bitcoin holders
Members needing high-limit international spending
Users comparing a regulated bank package rather than a low-cost standalone card

Alternatives

Wirex

Check official terms

Crypto.com Visa

Check official terms

Uphold UK Card

Check official terms

Revolut

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly fee$1,000 annual Xapo account package including the international premium debit card

Issuance$0 metal-card issuance under the current general fee schedule

FX$0 Xapo fee for debit-card payments or foreign-currency card payments; Visa, Mastercard, merchant, or operator charges can still apply

ATM$0 up to $100 per month, then 2% of the withdrawal amount; ATM-operator charges can apply

Top-upsSpend USD or Bitcoin balances. USDC and USDT deposits are automatically converted to USD before the resulting balance can be spent; Bitcoin conversion uses a disclosed spread

Pros & cons

Pros

Instant virtual plus plastic or metal physical formats
Spend either USD or Bitcoin balances
No Xapo foreign-currency card-payment fee
Up to $100 in monthly ATM withdrawals before the 2% fee
High published daily spending limits

Cons

$1,000 annual account package
Custodial bank and VASP accounts with KYC
Unavailable in the United States, Nicaragua, Venezuela, and other named jurisdictions
Stablecoins convert to USD rather than remaining as card balances
No permanent all-purchase cashback documented