debit Card•

Xapo Card

Name: Xapo Card
Brand: Xapo Bank Ltd
Price: 1000 USD
Availability: InStock

by Xapo Bank Ltd

The Xapo Bank Card is a premium metal debit card linked to a regulated offshore USD and Bitcoin bank account, included with the Xapo Bank membership ($1,000/year). It offers up to 1.1% Bitcoin cashback and unlimited 0% foreign exchange fees and high-yield interest on USD deposits (approx. 4%).

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Official Site

XAPO CARD

Xapo Bank Ltd

Cashback

Up to 1.1%

Annual Fee

$1,000

FX Fee

None

Staking

None

1.1%

Max Cashback

Paid in BTC

$1,000

Annual Fee

Premium Perks

Available Regions

Unique Features

Direct USD banking with BTC integration
USDC/USDT deposits via Solana/Tron (auto-convert to USD)
Interest earned on spending balance

Pros

Regulated Bank (Gibraltar Guarantee Scheme)
High Interest on USD (approx 3.6-4%) and BTC (0.5-1%)
No Foreign Transaction Fees
Lightning Network Support
Metal Card included

Cons

High Annual Fee ($1,000)
Low ATM Free Limit ($100/mo)
Low SEPA Cashback (0.2%)
Not available in USA

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

Global availability (excluding sanctioned regions)

AvailableExcludedUnknown

Available In (1)

Global

Not Available In (11)

BelarusCubaIranMyanmarNorth KoreaRussia

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialMetal

IssuanceFree

ShippingFree

Replacement$25

Tier Comparison

Standard / Companion (Plastic)

0.5% Cashback

Stake Required

Free

Issuance Fee

Free

Replacement Fee

$25

FX Fee

0% (Network Rate)

ATM Fee

2% after $100/mo

Tier Perks

•ATM Safety(Recommended for full-insertion ATMs to prevent jamming.)

•Free Replacement(1 free replacement per year (subsequent $25).)

Fee Structure

Annual Fee$1,000

Monthly FeeNone

FX FeeNone

Issuance FeeFree

Shipping FeeFree

Replacement Fee$25

Inactivity FeeNone

Crypto Conversion0.1%

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Free Withdrawal Limit$100/monthly

Fee After Limit2%

Detailed Fee Structure

FX Fee0% (No FX markup, network rate used)

No FX markup, network rate used

ATM FeeFree up to 100/monthly, then 2%

100 free per monthly

Detailed Limits

Spending Limits$10,000/day

Daily

10,000 USD

ATM Limits$1,000/day

Daily Amount

1,000 USD

Fee Details

Annual fee covers Xapo Bank membership (required for card). First card replacement is free. No FX markup (network rate used). ATM free up to $100/mo, then 2%.

Limits & Conditions

Standard daily spend limit $10k (adjustable to $50k). Standard ATM daily limit $1k (adjustable to $2k).

Crypto Capabilities

Security & Custody

Custody ModelCustodial

Wallet TypeExchange Account

InfrastructureXapo Bank

Supported Assets

Chains

Bitcoin

Lightning Network

Ethereum

Solana

Tron

Tokens

BTC

USD

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

No specific perks listed for this card.

Rewards Program DetailsTiered by region/card type: 0.2% for all SEPA transactions; 0.5% for Plastic/Virtual outside SEPA; 1.1% for Metal outside SEPA.

Payout Frequency

Monthly on the 5th

Exclusions

Cash equivalents, gambling, government services, financial institution transfers