Free if you spend A year at $500/moNo fees and no cashback at this spend
No card fees, crypto back on purchases
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Xapo Bank Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · $1000/yr
- /yr
- Cashback
- None
- Currency fee · 0%
- $0
- ATM
- Free to $100/mo
- Your money
- Company holds it
- Sign-up
- ID + proof of address
- Apple / Google Pay
- No
- The card itself
- In the $1,000/yr membership
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who want a regulated bank account in dollars and bitcoin with a card on top. Not for you if you only need a card: the membership costs far more than any card fee.
Can show an ID? Compare with MEXC Card
Good to know
- Regulated bank in Gibraltar
- Interest on the USD balance
- Metal card included
- Cashback limited by your balance
- 0.29% spread on BTC trades
- Not for US residents
Fees
SourceXapo Bank fee schedule · checked November 10- Membership
- $1,000 a yearRefunded if you cancel within 30 days
- Physical card
- Metal, freeOlder pages said $89; replacement after the first $25
- Paying abroad
- 0% extraVisa / Mastercard rate
- Buying BTC
- 0.29% spread
Plans
Membership$1,000 / year
- 2% back in BTC on spend up to 20% of your USD balance
- USD, EUR, GBP accounts, BTC and stablecoins
- 4.1% a year on USD (variable)
Limits
SourceXapo Bank FAQ, company and membership · checked November 10- Spending per day
- $50,000In store and online each
- Cash per day
- $2,000
Top up & withdraw
SourceXapo Bank membership page · checked November 10Top up
- Crypto
- BTC, USDT, USDCNetwork fee when sending stablecoins
- Bank transfer
- Xapo Bank fee schedule · November 10
- SWIFT, SEPA, Faster Payments, ACHSEPA in €0.10, SWIFT in 0.3%
Withdraw
- To a crypto wallet
- Yes
For residents of 221 countries
Åland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua & BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBermudaBhutanBoliviaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBritish Virgin IslandsBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCaribbean NetherlandsCayman IslandsChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo - BrazzavilleCook IslandsCosta RicaCroatiaCuraçaoCyprusCzechiaDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHeard & McDonald IslandsHondurasHong KongHungaryIcelandIndiaIndonesiaIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLesothoLiberiaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandsPolandPortugalPuerto RicoQatarRéunionRomaniaRwandaSamoaSan MarinoSão Tomé & PríncipeSaudi ArabiaSenegalSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSouth AfricaSouth Georgia & South Sandwich IslandsSouth KoreaSpainSri LankaSt. BarthélemySt. HelenaSt. Kitts & NevisSt. LuciaSt. MartinSt. Pierre & MiquelonSt. Vincent & GrenadinesSurinameSvalbard & Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad & TobagoTunisiaTürkiyeTurkmenistanTurks & Caicos IslandsTuvaluU.S. Outlying IslandsU.S. Virgin IslandsUgandaUnited Arab EmiratesUnited KingdomUruguayUzbekistanVanuatuVatican CityVietnamWallis & FutunaWestern SaharaZambia
Not on the list? Then Xapo Bank Card doesn't accept people living there yet.
- How they check where you live
- Proof of address document
- ID from another country
- Where you live counts, not the country of your ID
- ID accepted
- Xapo Bank FAQ, company and membership · November 10
- A valid government-issued ID (such as a passport) and a proof of address; 18+No rule that the ID must come from the country you live in
Trust
SourceXapo Bank terms of service · checked November 10- Card issued by
- Xapo Bank Limited
- Licence
- Bank licensed in Gibraltar; Visa (and Mastercard) debit cards
- Based in
- Gibraltar
Offers
New members until 23.11.20264.6% a year on the first $100,000 in USD for 90 daysUntil November 23
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