Main strengths
- Xapo lists no product FX markup for card payments in supported currencies.
- The selected USD or BTC account balance funds card payments and withdrawals.
- Bank, Bitcoin and stablecoin routes feed the same custodial spending account.
Xapo Bank World Elite debit MastercardStandard card design
Stablecoin account + Visa/Mastercard card
Xapo Card
Xapo Card is a custodial Visa or Mastercard debit card that spends the selected USD or BTC balance in a Xapo Account. Membership costs $1,000 per year; Xapo lists no card-payment or product FX markup, while Bitcoin card spending uses a current variable 0.29% spread.
No FXVisa / MCMetal cardNo CEXTravel focusBTC deposits
Main trade-offs
- The account membership that includes the card costs $1,000 every year.
- BTC card spending uses a variable 0.29% spread despite the 0% fee label.
- The taxi campaign ends September 30, and phone-wallet support is unverified.
01 · Core economics
Costs that matter
Xapo Card combines $1,000/year entry with 0% listed provider FX and ATM access. Allowances, overage charges and third-party costs still depend on the current programme.
ItemStandard tierWhat it means
Annual membership$1,000/yearOne Xapo Bank membership costs $1,000 per year; no higher card tier is modeled.
Provider FX markup0%Xapo lists no provider FX markup. BTC card spending has a separate variable 0.29% spread shown below.
Asset conversion fee0.29%Xapo lists a 0% conversion fee and a current variable 0.29% Bitcoin spread; the spread is treated as the user cost.
ATM withdrawal0$ up to 100$, then 2%Xapo charges no ATM fee on the first $100 withdrawn each month. A 2% Xapo fee applies above that allowance, and the ATM operator may add its own fee.
Card spending0%No listed base spend fee
Physical card$0Standard and Metal forms are confirmed. Xapo lists $0 Metal issuance; regional shipping and replacement terms differ.
Limits and secondary feesLimits and other fees
Declined transactionNot disclosedNot disclosed
Daily card spend$50,000/dayListed
Monthly card spend$250,000/monthListed
Annual card spend$1,000,000Listed
ATM limit$2,000/dayListed
Account depositNot disclosedListed
02 · Category rewards
3% BTC taxi campaign through September 30
Xapo has no ongoing general purchase cashback. The current 3% BTC campaign applies only to eligible taxi and ride-hailing purchases made with an active Metal card through September 30, 2026; the cap is not published.
No general purchase cashback is currently offered
Current promotional maximum; not guaranteed permanently
BTC
No public taxi campaign cap was found
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 3% applies only to Taxi, limousine, ride-hailing and private hire. Category-specific eligible-spend caps are not disclosed; any programme-wide cashback-value cap is shown in the summary.
CategoryRateEligible purchases and cap
Taxi, limousine, ride-hailing and private hire3%
Requires an active Xapo Metal card; merchant classification controls eligibility.
Eligible spend cap not disclosedCashback is credited fifth day of the following month in BTC. Merchant coding, programme exclusions, reversals and clawbacks still apply.
Memberships
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa/Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayNot disclosed
- Google PayNot disclosed
- iOS appAvailable
- Android appAvailable
- Web appNot offered
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Xapo Bank
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive5 routes
Crypto deposits
1 route
Crypto depositsCredited to the custodial BTC balance · Automatically converted and credited as USDBTCUSDCUSDTBitcoinLightning+3FeeNo fixed feeSpeedNot confirmedLimits$1,000 / transferAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
More assets, currencies or networks
Ethereum, Solana, Tron
Access path
Via provider account
Asset / network map
BTC: Bitcoin, Lightning · USDC: Ethereum, Solana · USDT: Ethereum, Tron
Availability
Supported asset and network combinations
Limit scope
Lightning: $1,000 per transfer and $5,000 per rolling 24 hours · No single public receive limit
Restrictions
Provider-account route; the same BTC balance can fund card spending. · Provider-account receive route; network matching is required.
Bank deposits
4 routes
SWIFT receiveProvider-account route; intermediary charges may still apply.USDFee0.3–0.8%Speed2–5 business daysLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0.3% · transfer
- 0.8% · transfer
Access path
Via provider account
Availability
Provider-account route; intermediary charges may still apply.
Limit scope
Not publicly confirmed
ACH receiveProvider-account route available under the applicable account programme.USDFee$0.5 + 0.1%Speed1–3 business daysLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0.1% · transfer
- $0.5 · transfer
Access path
Via provider account
Availability
Provider-account route available under the applicable account programme.
Limit scope
Not publicly confirmed
SEPA receiveProvider-account route available under the applicable account programme.EURFee€0.1SpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- €0.1 · transfer
Access path
Via provider account
Availability
Provider-account route available under the applicable account programme.
Limit scope
Not publicly confirmed
Faster Payments receiveProvider-account route available under the applicable account programme.GBPFee£0.15SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- £0.15 · transfer
Access path
Via provider account
Availability
Provider-account route available under the applicable account programme.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
All listed receive methods credit the Xapo provider account.
Money outWays to send, withdraw or settle6 routes
External crypto sends
2 routes
Bitcoin Lightning sendSends supported assets through the listed crypto transfer route.BTCBitcoinLightningFeeNo fixed feeSpeedInstantLimits$1,000 / transferAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Asset / network map
BTC: Bitcoin, Lightning
Availability
Lightning network from the Xapo provider account
Limit scope
$1,000 per transfer; $5,000 per rolling 24 hours
USDC and USDT sendOutbound networks are not published in the reviewed source set.USDCUSDTFeeNot confirmedSpeedNetwork-dependentLimitsNo single public payout limitExternal costExternal on-chain feeDetails
Fee components
- External on-chain fee
Access path
Via provider account
Availability
Supported provider-account stablecoin payout routes
External cost scope
Variable blockchain network fee; provider spread may vary
Restrictions
Outbound networks are not published in the reviewed source set.
Bank transfers & payouts
4 routes
SWIFT payoutIntermediary and recipient-bank fees may still apply.USDGBPEURFee£25 + 0.2%Speed2–5 business daysLimitsNo single public payout limitAvailabilityConfirmed scopeDetails
Fee components
- 0.2% · transfer
- £25 · transfer
Access path
Via provider account
Availability
Eligible Xapo provider-account currencies and destinations
Restrictions
Intermediary and recipient-bank fees may still apply.
SEPA payoutAvailability follows the applicable account programme.EURFee€0.15–€0.2SpeedInstantLimitsNo single public payout limitAvailabilityConfirmed scopeDetails
Fee components
- €0.15 · transfer
- €0.2 · transfer
Access path
Via provider account
Availability
Eligible European provider-account transfers
Restrictions
Availability follows the applicable account programme.
Faster Payments payoutAvailability follows the applicable account programme.GBPFee£0.15SpeedVaries by railLimitsNo single public payout limitAvailabilityConfirmed scopeDetails
Fee components
- £0.15 · transfer
Access path
Via provider account
Availability
Eligible United Kingdom provider-account transfers
Restrictions
Availability follows the applicable account programme.
ACH payoutAvailability follows the applicable account programme.USDFee$30 + 0.15%Speed1–3 business daysLimitsNo single public payout limitAvailabilityConfirmed scopeDetails
Fee components
- 0.15% · transfer
- $30 · transfer
Access path
Via provider account
Availability
Eligible United States dollar provider-account transfers
Restrictions
Availability follows the applicable account programme.
05 · Balance yield
Earn on the spendable balance
The eligible balance can earn a variable rate while remaining available for card spend and transfers.
Spendable yield
Xapo USD Savings
Up to 3.4% APY
Spendable yield
Xapo BTC Savings
Up to 0.3% APY
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Xapo Bank is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 28 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list28 countries
AfghanistanBelarusBosnia and HerzegovinaCentral African RepublicCongo, Democratic Republic of theCote d'IvoireCubaHaitiIranIraqLebanonLibyaMaliMyanmarNicaraguaNorth KoreaPalestineRussiaSerbiaSomaliaSouth SudanSudanSyriaUkraineUnited StatesVenezuelaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productXapo Bank
Provides the product and account experience. Named legal operators appear separately.
Custody controlXapo Bank + programme partners
Controls settlement until payment.
Custodial accountBank transfersXapo Bank Limited
Bank account, card programme and custody services
Jurisdiction: Gibraltar · Applies to: Xapo Bank membership and regional card programmesCard issuerTransact Payments Malta Limited
Visa Europe card issuance
Jurisdiction: Malta · Applies to: Visa Europe programme07 · Methodology
Why the score is 70
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
70/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Company & infrastructure
Named programme infrastructure includes Xapo Bank Limited (banking), Transact Payments Malta Limited (issuer) and Visa and Mastercard (network).
Additional support77
Cost efficiency
$83.33/month, 0% FX fee and 0.3% conversion fee shape the day-to-day cost profile.
Main constraint9
Rewards value
No general base cashback; 3% applies only to Taxi, limousine, ride-hailing and private hire and is paid in BTC.
08 · Evidence
Sources
23 sources21 officialChecked Sep 1, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Xapo Bank residence restrictions and membership verificationOfficial source ↗Global USD and Bitcoin Banking Accounts | Xapo BankOfficial source ↗Service Fees and Glossary of TermsOfficial source ↗Visa Xapo Card Terms | Xapo BankOfficial source ↗Visa Europe Debit Card Terms | Xapo BankOfficial source ↗Mastercard Cardholder Agreement | Xapo BankOfficial source ↗
09 · Card comparison
How Xapo Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday card access and money movement.
1 / 3
Current card
Xapo Card
The selected USD or BTC account balance funds card payments and withdrawals.
- Card
- Debit Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–3%
- FX fee
- 0% Xapo FX markup; BTC card spend uses a current variable 0.29% spread
- Apps
- iOS, Android
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–1.75%
- FX fee
- 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
Crypto stays user-controlled until it is converted into the EUR card balance.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–1%
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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