Xapo Bank Limited / regional programme partners · MULTI
Available
A premium international bank card for spending USD or Bitcoin, with stablecoins converted into dollars first.
Observed 2026-10-05
Xapo's dedicated FAQ offers 3% BTC on taxi and rideshare transactions through 31 October 2026 for accounts with an activated Metal card; purchases may use the virtual or Metal card and payout is monthly. The transact page still lists a 30 September end date, so the current FAQ and in-app terms should be checked before relying on the offer.
Xapo Bank ↗Observed 2026-10-05
Xapo's general membership materials say the premium Metal card is included free, while the European Visa fee schedule lists an USD 89 Metal issue fee (virtual and standard physical-card issuance are listed at USD 0). Confirm which card programme applies before ordering.
Xapo Bank / Transact Payments Malta ↗A plan with verified numerical rules has not yet been recorded for this profile.
Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
Current FAQ describes instant virtual and standard-plastic or premium-metal debit cards spending USD or Bitcoin; USDC/USDT deposits convert to USD; ATM is free up to USD 100/month then 2%; daily limits are USD 50,000 for in-store/online and USD 2,000 for ATMs; BTC conversion has a 0.29% spread.
Checked 2026-10-05
Current Xapo Bank fee schedule lists the USD 1,000 annual account package that includes an international premium debit card and the general card fees, including ATM withdrawals up to USD 100/month and 2% above that; operator fees may also apply.
Checked 2026-10-05
Current membership FAQ requires individuals to be at least 18, live in a supported jurisdiction and pass identity/address checks; it publishes a prohibited-country list that includes the United States, Nicaragua and Venezuela, and says the list can change.
Checked 2026-10-05
Outside-Europe Visa debit-card issuer, balance linkage, and current cardholder terms.
Checked 2026-10-05
Current European Visa card schedule lists USD 89 for metal-card issue, USD 0 for virtual or standard physical-card issue, USD 0 card FX fee at the Visa conversion rate, USD 100/month of ATM withdrawals without Xapo fee then 2%, and USD 25 for additional replacement cards; this differs from the general Xapo membership page that says a free metal card is included.
Checked 2026-10-05
Global debit-card positioning, card package and the rideshare promotion date that conflicts with the dedicated FAQ.
Checked 2026-10-05
Dedicated FAQ says 3% BTC cashback on eligible taxi and rideshare spend runs 1 July through 31 October 2026 for customers with an activated Metal card; purchases may use the virtual or metal card, and payment is made to the BTC account on the 5th of each month. It says general all-purchase cashback was replaced by targeted campaigns.
Checked 2026-10-05
