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Xapo Bank Card

Updated: Sep 15, 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
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: USDCBTCUSDEURGBP
Last updated: Sep 15, 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: Gibraltar
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.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

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	XXapo Bank Virtual Card	XXapo Bank Physical Card	XXapo Bank Metal Card
Card form	Virtual card	Physical card	Metal 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 language support

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

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

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are explicitly excluded from Xapo Bank membership, but cards issued to eligible members in supported jurisdictions are designed for international spending and can be used in the United States.

2. United Kingdom：Can apply，Can use，UK residents are supported by Xapo Bank and can obtain the card after completing identity and address verification.

3. Canada：Can apply，Can use，Canadian residents are within Xapo Bank’s supported jurisdictions and can obtain the card after completing the required identity and residence verification.

4. Australia：Can apply，Can use，Australian residents can join Xapo Bank and obtain the card after successfully completing the bank’s KYC and proof-of-address checks.

5. South Africa：Can apply，Can use，South African residents are eligible for Xapo Bank membership and can obtain the card after completing identity and address verification.

6. New Zealand：Can apply，Can use，New Zealand residents are within Xapo Bank’s supported membership coverage and can obtain the card after completing the required verification.

7. Ireland：Can apply，Can use，Ireland is within the EEA card program, so adult residents can apply after completing Xapo Bank’s identity and address verification.

Updated: Sep 15, 2026

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

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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first

Warren Grovesgoogle_play★ 2 / 5Sep 8, 2026

Xapo Bank: Save in BTC & USD Google Play review - 2 star

good

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Maxim Stgoogle_play★ 1 / 5Sep 5, 2026

Xapo Bank: Save in BTC & USD Google Play review - 1 star

1000$ / year? seriously?🤡

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imad yessadgoogle_play★ 1 / 5Sep 5, 2026

Xapo Bank: Save in BTC & USD Google Play review - 1 star

they are asking a lot of money , so this service is not stable

Official reply

We're thrilled to hear about your positive experience with Xapo since 2012! Thank you for choosing us as your trusted service provider. Your support and loyalty are truly appreciated. If you ever need assistance or have any questions, please don't hesitate to reach out.

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Ger C Papp_store★ 3 / 5Aug 17, 2026

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

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EduSpeachapp_store★ 5 / 5Aug 17, 2026

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.

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W NPapp_store★ 1 / 5Aug 17, 2026

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!

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mpetriniapp_store★ 5 / 5Aug 17, 2026

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.

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Calamar1982app_store★ 1 / 5Aug 17, 2026

No puedo acceder a mi cuenta

Luego de las últimas actualizaciones no puedo acceder a mi cuenta!!!

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Valentinzg1app_store★ 1 / 5Aug 17, 2026

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

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Peterpisapp_store★ 5 / 5Aug 17, 2026

Mejor Banco International

Mejor Banco International , pero es demasiado su comisión por mantenimiento de la cuenta anual !

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Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Xapo Bank Card require KYC?

Our record lists the Xapo Bank Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Xapo Bank Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Not supported.

Which assets can I top up Xapo Bank Card with?

Our record lists Xapo Bank Card support for: USDC, BTC, USD, EUR, and GBP.

Is Xapo Bank Card a virtual or a physical card?

Xapo Bank Card is offered as: Virtual card, Physical card, and Metal card.

Where is Xapo Bank Card available?

Our record lists 206 countries or regions as available and 39 as restricted. Country-by-country status is in the regions section of this page.

Who issues Xapo Bank Card?

Xapo Bank Card is operated by Xapo Bank on the Mastercard / Visa network.