VISA

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XAPO BANK CARD

Valid From

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Valid Thru

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published

Xapo Bank Card

A premium Visa card for Xapo Bank members, spending Bitcoin and USD with zero FX fees

A Visa debit card included with Xapo Bank's USD $1,000/year membership. Spend Bitcoin or USD balances in 110+ countries with zero FX fees, earn up to 1% cashback in BTC, and earn up to 4% APY on Bitcoin held with the bank. Not available to US persons.

CustodialVisaPhysical cardNo lockup

Apply Official site

Referral disclosure: no referral link is currently used for this card.

Availability

Provider eligibility can depend on residence, citizenship, and account-specific checks.

Regions

EU, UK, LATAM, APAC, MEA, Africa

Countries

Unknown / needs verification

Excluded countries

United States

US person support

Not supported

Funding compatibility

Assets and networks listed by the provider for funding or spending.

Supported assets

BTC, USD, GBP, EUR, USDC, USDT

Supported chains

Xapo Bank account (custodial)

Top-up options

How funds may reach the card balance, including supported currencies, stablecoins, and networks.

Top-up methods

Bank transfer, Stablecoins, Crypto assets, Fiat balance

Supported currencies

USD, GBP, EUR

Supported stablecoins

USDC, USDT

Top-up chains

Unknown / needs verification

Notes

Card spends directly from your Xapo Bank balances; select which account (Bitcoin or USD) to pay from. Fund the account via bank transfer, Bitcoin/crypto deposits or stablecoins (USDC/USDT auto-convert to USD).

Card tiers

Fees, commitments, network tier, and reward categories can differ within one card program.

Xapo Bank Membership

premium

Xapo Bank Membership

Other

Requirement summary

Requires monthly subscription. No token lockup listed.

Costs and access

Monthly fee

0 (billing currency not specified)

Issuance fee

0 (billing currency not specified)

Token lockup

Not required

Lockup amount

Unknown / needs verification

Subscription

Required

Minimum balance

Requires an active Xapo Bank membership of USD $1,000/year (30-day risk-free trial).

Rewards

Base cashback

Cashback cap

No stated cap

Unknown / needs verification

Cashback programs

Cashback data unknown / needs verification

Cash-equivalent benefits

No cash-equivalent benefits listed.

Caveats

No tier-specific caveats are currently listed.

Fees

Unknown values remain visible and should be checked against current provider terms.

Monthly fee

No separate card fee; included with the USD $1,000/year Xapo Bank membership

Issuance fee

Free

FX fee

Zero FX fees, no hidden markups

Crypto conversion fee

0.1% spread when spending directly from your Bitcoin wallet; USDC/USDT auto-convert to USD

ATM fee note

Third-party ATM operator fees may apply. One free card replacement per year is included; additional replacement cards cost $25 USD per year.

Features

Card format and wallet support can vary across regions and devices.

Virtual card

Available

Physical card

Available

Apple Pay

Unknown / needs verification

Google Pay

Unknown / needs verification

ATM withdrawals

Supported

Program-level rewards

These high-level notes supplement the tier-specific reward details above.

Cashback

Up to 1%

Reward asset

BTC

Lockup requirement

Not required

Reward cap

Unknown / needs verification

Notes

Paid in Bitcoin on qualifying purchases; expanded categories include utilities, car rentals and professional services. Separate from membership: members also earn up to 4% APY (targeted, not guaranteed) on Bitcoin held with Xapo Bank, paid in BTC.