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XXapo Bank Card logo

Xapo Bank Card

Updated: Aug 4, 2026

The Xapo Bank Card is a crypto-friendly debit card offered by Gibraltar-licensed Xapo Bank and connected to a member's US dollar bank account and Bitcoin account. Users can spend their US dollar balance or convert Bitcoin into US dollars for settlement during payment. The card is available as a virtual card, plastic physical card, and metal card for online shopping, in-store payments, subscriptions, and ATM withdrawals. Visa or Mastercard versions are issued depending on the region, under a unified annual membership service model.
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Card network
Mastercard / Visa
Product type
Crypto-friendly bank account card
Card form
Virtual card / Physical card / Metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDC / BTC / USD / EUR / GBP
Last updated
Aug 4, 2026

Official and company information

Issuer identity and company credentials

Xapo Bank is a regulated private bank headquartered in Gibraltar, specializing in comprehensive financial services for bitcoin holders. Unlike the offshore payment platforms you previously inquired about that emphasize "no KYC," Xapo Bank is a licensed financial institution with a full banking license and a highly compliant operating model. Core introduction Platform positioning: It is not an ordinary cryptocurrency exchange, but a "bitcoin-first" private bank designed to combine secure bitcoin storage with traditional banking services in fiat currencies (USD/EUR/GBP). Core features: Bitcoin storage and interest: Offers highly secure bitcoin custody (using cold storage, MPC technology, and geographically dispersed military-grade bunkers) and provides interest on bitcoin and USD deposits. All-in-one financial account: Members can hold both bitcoin and fiat balances, make global transfers, ATM withdrawals, and payments. Lending services: Supports borrowing USD using bitcoin as collateral. Investment features: Offers stock and ETF trading for non-US users. Paid membership: Unlike free wallets, Xapo Bank operates on a membership model with an annual fee of $1,000.
Visit website Application page
Company / issuer
Xapo Bank
Legal name
Xapo Bank
Registered region
Gibraltar (GI)
Headquarters
Original直布罗陀
Company type
Bank
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Xapo Bank integrates a USD bank account, Bitcoin custody, and a debit card in one app. Members can deposit USD by bank transfer or deposit BTC, USDT, or USDC; stablecoins are converted into USD upon receipt. Card transactions debit the USD balance first, and users may also enable Bitcoin conversion to settle fiat transactions using BTC assets. The card supports chip, PIN, contactless payments, 3D Secure, and recurring payments. The product includes an instantly generated virtual card, a plastic physical card, and a premium metal card. The virtual card is intended for online shopping, travel bookings, and subscription management, and an account can create up to five. The physical and metal cards add in-store payments and ATM withdrawals. Xapo Bank does not charge an additional exchange-rate markup on foreign-currency card transactions and allows members who meet review requirements to request temporarily higher spending limits.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Xapo Bank Virtual Card
Xapo Bank Physical Card
Xapo Bank Metal Card
Card formVirtual cardPhysical cardMetal card
Fees
Monthly fee
83.33 USD
Prepaid annually $1,000
83.33 USD
Prepaid $1,000 per year.
83.33 USD
Prepaid $1,000 per year.
Card issuance fee
Free
Members can create instantly
Free
Included in membership.
Free
Card issuance fee currently waived.
ATM fee—
2%
Free up to $100 per month; 2% fee on excess. ATM operators may charge additional fees.
2%
Free up to $100 per month; 2% fee on excess. ATM operators may charge additional fees.
Foreign exchange fee
Free
No foreign exchange markup
Free
No foreign exchange markup.
Free
No foreign exchange markup.
Top-up fee
0.1%
0.1%–0.8% plus fixed fee, charged per funding channel
0.1%
Charged per funding channel, rate 0.1%–0.8% plus fixed fee.
—
Failed transaction fee———
Rewards
Cashback———
Crypto cashback
3%
Must be activated, ride-hailing only
3%
Activation required; limited to ride-hailing.
3%
Limited to ride-hailing; promotion until August 31.
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus
500 USD
Equivalent BTC, both active 33 days, UK excluded
500 BTC
Both parties active for 33 days; UK excluded.
500 BTC
Paid in equivalent BTC; both parties active for 33 days; UK excluded.
Limits
Daily spending limit
50,000 USD
Maximum limit for online purchases
50,000 USD
Calculated separately for in-store and online.
50,000 USD
Temporary limit increase available.
Monthly spending limit
250,000 USD
Calculated per card billing cycle
250,000 USD
Calculated per card billing cycle.
250,000 USD
Calculated per card billing cycle.
ATM withdrawal limit—
2,000 USD
Subject to ATM limits.
2,000 USD
Daily limit; monthly limit $15,000. Subject to ATM limits.
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

206
BahamasBSAlbaniaALPitcairn IslandsPNDominicaDMDenmarkDKNorfolk IslandNFBelgiumBEEstoniaEECook IslandsCKLithuaniaLTSt. MartinMFEswatiniSZIsle of ManIMSt. BarthélemyBLTurkmenistanTMGuinea-BissauGWBotswanaBWGrenadaGDWestern SaharaEHLiechtensteinLIQatarQAZambiaZMSvalbard & Jan MayenSJCongo - BrazzavilleCGNew ZealandNZAngolaAOSint MaartenSXCyprusCYAustraliaAUPhilippinesPHSt. Vincent & GrenadinesVCEcuadorECAlgeriaDZWallis & FutunaWFUnited Arab EmiratesAESt. HelenaSHNigerNEGhanaGHSwedenSEPapua New GuineaPGBurkina FasoBFRwandaRWBoliviaBOSouth KoreaKRMoldovaMDIndiaINSeychellesSCMartiniqueMQGreeceGRGermanyDEFaroe IslandsFOAntigua & BarbudaAGHong KongHKMontserratMSGambiaGMNepalNPOmanOMSierra LeoneSLBelizeBZSri LankaLKNetherlandsNLTokelauTKMarshall IslandsMHArmeniaAMPolandPLMacaoMOGeorgiaGEMonacoMCFijiFJBarbadosBBSwitzerlandCHTunisiaTNNamibiaNATajikistanTJAzerbaijanAZParaguayPYTimor-LesteTLMauritaniaMRMaldivesMVGuadeloupeGPSan MarinoSMSlovakiaSKHondurasHNIrelandIETuvaluTVDjiboutiDJNorwayNOKyrgyzstanKGMayotteYTFrench GuianaGFBruneiBNCameroonCMAustriaATComorosKMFrench PolynesiaPFMaltaMTMontenegroMETurks & Caicos IslandsTCCanadaCASão Tomé & PríncipeSTRéunionRESingaporeSGCosta RicaCRGuernseyGGKazakhstanKZArgentinaARCroatiaHRTrinidad & TobagoTTJapanJPPalauPWVietnamVNSolomon IslandsSBFinlandFIGuyanaGYMoroccoMABermudaBMNigeriaNGJerseyJEFranceFRSenegalSNBahrainBHChadTDPakistanPKBrazilBRIndonesiaIDUgandaUGSurinameSRSamoaWSMozambiqueMZSouth AfricaZAEgyptEGBhutanBTNew CaledoniaNCFalkland Islands (Islas Malvinas)FKNiueNUTogoTGUruguayUYLatviaLVSt. Pierre & MiquelonPMCocos (Keeling) IslandsCCItalyITNorth MacedoniaMKTürkiyeTRCuraçaoCWMalawiMWMexicoMXSt. Kitts & NevisKNTaiwanTWRomaniaROSloveniaSILesothoLSGuineaGNIcelandISSt. LuciaLCLiberiaLRMadagascarMGKenyaKEThailandTHCayman IslandsKYTongaTOAndorraADGuatemalaGTCape VerdeCVAnguillaAIColombiaCOCambodiaKHKuwaitKWBangladeshBDVatican CityVAMalaysiaMYMauritiusMUMicronesiaFMSpainESBritish Virgin IslandsVGBeninBJMongoliaMNPanamaPASaudi ArabiaSAHungaryHUGabonGABulgariaBGIsraelILVanuatuVUPeruPEPortugalPTChristmas IslandCXJordanJOÅland IslandsAXLaosLAGreenlandGLEquatorial GuineaGQLuxembourgLUUnited KingdomGBChileCLCzechiaCZEl SalvadorSVNauruNREthiopiaETBurundiBIGibraltarGIKiribatiKITanzaniaTZDominican RepublicDOEritreaERUzbekistanUZJamaicaJM
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

39
Puerto RicoPRLebanonLBCongo - KinshasaCDNorthern Mariana IslandsMPAfghanistanAFAntarcticaAQGuamGUSouth Georgia & South Sandwich IslandsGSMaliMLAmerican SamoaASNicaraguaNINorth KoreaKPBritish Indian Ocean TerritoryIOCubaCUVenezuelaVECentral African RepublicCFHeard & McDonald IslandsHMSudanSDIraqIQRussiaRUCôte d’IvoireCISerbiaRSFrench Southern TerritoriesTFMyanmar (Burma)MMYemenYESomaliaSOZimbabweZWSouth SudanSSBouvet IslandBVHaitiHTSyriaSYIranIRUkraineUALibyaLYU.S. Outlying IslandsUMUnited StatesUSBosnia & HerzegovinaBAU.S. Virgin IslandsVIBelarusBY
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：居民可提交申请，需使用有效护照、地址证明及资金来源材料完成完整KYC；获批卡片可在接受境外Visa或Mastercard的商户和ATM使用。

2、香港：居民可正常提交开户和卡片申请，完成身份、居住地址及资金来源核验后，可使用虚拟卡、实体卡进行线上、线下支付及ATM取现。

3、澳门：居民可提交会员申请，需提供有效身份证明和地址资料；获批后可在国际卡受理商户使用，实体卡及金属卡支持ATM取现。

4、台湾：居民可提交开户及卡片申请，需完成完整身份和地址核验；获批卡片可在线上、实体商户及ATM使用，但不支持绑定Google Pay。

Updated: Aug 4, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card

Review time / regional limits

Automatic identity verification can be completed within minutes; manual due diligence and source-of-funds review may extend to several days.

KYC provider

Sumsub, Incode, Fourthline

Updated

Aug 4, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview11 scenarios
Supported9
Not supported2
UpdatedAug 4, 2026

Wallet payments

Alipay

Supported

Aug 4, 2026

Wallet payments

Apple Pay

Not supported

Aug 4, 2026

Cash services

ATM withdrawal

Supported

Aug 4, 2026

AI tools

ChatGPT

Supported

Aug 4, 2026

AI tools

Claude

Supported

Aug 4, 2026

Wallet payments

Google Pay

Not supported

Aug 4, 2026

AI tools

Midjourney

Supported

Aug 4, 2026

Online shopping

Online shopping

Supported

Aug 4, 2026

Wallet payments

PayPal

Supported

Aug 4, 2026

Subscriptions

Subscription payment

Supported

Aug 4, 2026

Wallet payments

WeChat Pay

Supported

Aug 4, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Ger C Papp_store★ 3 / 5

No withdraw to US bank account

O would definitely give you 5 stars if I’d be able to withdraw to my U.S. bank account. Great app however. Very easy and reliable
View original
EduSpeachapp_store★ 5 / 5

Simple and powerful freedom

I have been using XAPO for a couple off years, they have being really useful for storing btc on times of a lot of uncertainty. Their new product is amazing, thanks a lot. Living in a third world country and being able to access top notch finances is very useful and it simplified how to save money and freely spend it all over the world. As an entrepreneur working with different clients using xapo I don't have to move money between payment processors and do annoying conversions to have my money and have the freedom to spend it or save it.
View original
W NPapp_store★ 1 / 5

Realice un depósito y nunca se acreditó

Realice un depósito y nunca se acreditó. El broker por cuestiones de seguridad hace dos Micro deposits para chequear la cuenta y nunca llegó y el soporte fue malísimo. Tb realice depósitos desde mi cuenta y nunca llegaron. La verdad por el soporte y el servicio claramente no lo recomiendo perdí mucho dinero y tiempo en gestión. Espero les sirva mi experiencia sds!
View original
mpetriniapp_store★ 5 / 5

Conforme 👍

El valor de la membresía anual es alto pero vale la pena; eso sin contar que el cashback por hacer transacciones hace que se pague sola a veces. He estado en varios países y funcionó excelente en cada uno de ellos. Se necesitan más opciones de inversión de menor riesgo, como fondos indexados de USA. Tiene buenos estándares de seguridad de fondo pero la App me resulta insegura. Ejemplo: No hay límites para retirar fondos lo cual puede ser contraproducente si ocurre algún accidente.
View original
Calamar1982app_store★ 1 / 5

No puedo acceder a mi cuenta

Luego de las últimas actualizaciones no puedo acceder a mi cuenta!!!
View original
Valentinzg1app_store★ 1 / 5

Se quedan con tu plata

Hace 2 meses me tienen mi plata en la cuenta y no me la quieren transferir, siempre hay una excusa 150usd a la basura
View original
Peterpisapp_store★ 5 / 5

Mejor Banco International

Mejor Banco International , pero es demasiado su comisión por mantenimiento de la cuenta anual !
View original
Deemodapp_store★ 1 / 5

No tiene sentido el aumento

Cómo pueden hacer un aumento del 900% No existe un aumento así y absolutamente ningún beneficio al los que ya había…
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Luis mj74app_store★ 5 / 5

Excelente App

Lo mejor para poder manejar tu dinero mundialmente 👏👏👏
View original
cdponte91app_store★ 5 / 5

Excelente

Excelente app , súper ágil, siempre te ayudan a solucionar los problemas que pueden surgir. El mejor banco
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available