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  5. Xapo Bank Card
Xapo Bank Card
Xapo Bank Card
Full KYC
Physical Card Mastercard
6.7
Overall
Get This Card
Xapo Bank Card logo

Xapo Bank Card

by Xapo Bank

Get This Card

Xapo Bank Card is a premium Bitcoin banking solution for serious hodlers. The $1,000/year fee is steep, but justified by the industry-low 0.1% BTC spread, zero FX fees, and full private banking services.

Pros

  • +Industry-low 0.1% Bitcoin spread
  • +Zero foreign exchange fees
  • +1% cashback paid in Bitcoin
  • +Licensed private bank in Gibraltar
  • +Lightning Network support

Cons

  • -$1,000/year membership fee
  • -Bitcoin and USDC only - limited crypto
  • -Premium service not for casual users
  • -Requires significant onboarding
  • -Free ATM limited to $100/month
6.7/10
OverallGood
7.0/10
Community ScoreBased on 32 sources
Lv 4
KYC LevelFull KYC

Table of Contents

Card Overview

Rewards
Cashback
1%
Cashback Crypto
BTC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
$83.33
Card Issuance
Free
ATM Fee
2%
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
$10,000
Monthly Spend
Unlimited
ATM Withdrawal
$1,000
Card Info
Card Type
Physical Card
Card Network
Mastercard
Apple Pay
✗
Google Pay
✗
Rewards
Cashback
1%
Cashback Crypto
BTC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
$83.33
Card Issuance
Free
ATM Fee
2%
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
$10,000
Monthly Spend
Unlimited
ATM Withdrawal
$1,000
Card Info
Card Type
Physical Card
Card Network
Mastercard
Apple Pay
✗
Google Pay
✗

KYC Requirements

Level: Full KYC
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Required
Selfie Verification
Required

Community Score

7.0/10
Sourced from
@@Animal.help.paraguay“I find it completely unacceptable to increase the price from $150 to $1,000 without any prior notice or explanation. An increase of this magnitude is not reasonable, and policies like this come across as deliberate, unpredictable, and ultimately undermine trust in the company. I believe customers deserve transparency and to be informed well in advance of such significant changes.”@Lawrence Staight“Ive used my card and also have done direct transfers, no drama, just straight forward”@Pat G.“Customer Service is exceptionally great. You get an almost immediate answer through chat. Support Team is very knowledgeable and nice. Depending on where you are located in the world, you are almost always in contact with the same person. The App works great and is easy to use. My only complaint is that there is no website access from a computer. You must use a phone or tablet. Products are interesting, however, they abruptly discountinued a cash back on their debit card, which is disappointing.”@Omid Fard“I am extremely happy with Xapo Bank and the level of professional service they provide. From the beginning, the onboarding process was smooth, secure, and very well organized. The app is clean, fast, and easy to use, while the support team has always been responsive and respectful whenever I needed assistance. The top services and features I appreciate most are: Secure international banking with strong account protection and advanced security features. Easy crypto and USD management in one platform without unnecessary complications. Fast international transfers and smooth global accessibili”@Theo Van den brink“All transactions using debit cards have been confirmed within minutes thereby monitoring card usage and providing excellent level of security and confirming the banks security systems established to protect clients funds.”@CryptoGuyTris“I got my Xapo bank card in 2022. The packaging was premium; the card was premium. I took this picture because this level of packaging blew me away. This grips users more than you think. I stuck with them for 3 years at $250/year. Neobanks, package your crypto card well.”@Etienne“I had a honest up-front conversation with a dedicated account manager before signing up, this was helpful as i discovered there was a beneficiary succession plan for bitcoin and USD! The exchange rates are also excellent when using the Xapo card abroad”@MartinCarballeira“I think this bank is great. Very good and fast customer service. Debit cards work perfectly and have nice benefits. And it’s very easy to use the app and move money from one place to another.”@JamieRobinson“FWIW my recent metal Xapo card works great with tap now”@Iwan“every time using debit card for payment will get me a reward in bitcoin makes me feels good. using this debit card during holiday overseas is very convenient because it handles the currency conversion automatically.”@customer“I find the product very expensive. Every operation has considerable fees. I consider they should be cutted at least half.”@Terrie Lamb“Xapo Bank is an excellent choice for anyone looking for a secure and reliable way to manage both USD and Bitcoin in one place. The platform is easy to use, highly professional, and clearly built with security as a top priority. Their Bitcoin custody and cold-storage approach really stand out and give great peace of mind. The debit card and international payments work smoothly, making it ideal for global use, and customer support has been consistently responsive and helpful. Everything feels well regulated, transparent, and trustworthy. Overall, Xapo Bank delivers exactly what it promises: st”@User“For the user in other countries, XAPO can’t provide the full bank service and I am unable to receive my xapo card and enjoy the bank service.”

Category Breakdown

Features

ContactlessMobile AppCashbackPhysical CardOnline PaymentsNo FX FeeATM AccessInternational ATMInsurance

Supported Cryptocurrencies

BTC iconBTCUSDC iconUSDC