TL;DR.Xapo Bank Card is a Mastercard crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 0%. Wallet support: none. Status: Operational. Last verified: July 21, 2026.
CARD PROFILE · FULL KYC
Xapo Bank Card.
Gibraltar-licensed bank account combining USD + BTC with debit card, free 100% global ATM access (up to $100/mo), 1% Bitcoin cashback, 0% FX, and variable USD savings APY (targeted up to 4%, paid daily in BTC). Membership-based ($1,000/yr).
Cost / $100
$0.00
Top-up fee
Free
Network
Mastercard
Card type
Virtual + Physical
IBAN
Yes
Monthly limit
—
Status
Operational
Pros.
- +Up to 1% Bitcoin cashback on qualifying purchases
- +0% FX fee on international purchases
- +Free ATM withdrawals up to $100/month
- +Full bank account with USD + BTC, IBAN included
- +Gibraltar-licensed bank (regulated)
- +Cards accepted in 100+ countries
- +Up to 4% APY (variable, targeted) on USD savings, paid daily in Bitcoin (satoshis)
Cons.
- −$1,000/year membership fee required
- −Apple Pay not supported
- −USD savings APY is variable/targeted, not guaranteed — paid out in BTC (currency-of-payout risk)
- −Full KYC required (it's a bank)
- −US persons not eligible
- −Bitcoin-backed borrowing not available in UK/Australia
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
0%
Issuance
Free
Monthly
—
Cost / $100
$0.00
$1,000/year membership covers card and account. ATM free up to $100/month, then 2%. 0% FX on international purchases. Cashback 1% paid in BTC monthly on the 5th. USD savings APY is variable (targeted up to 4%; official example cites 3.35%), calculated daily and paid out in Bitcoin (satoshis).
COVERAGE
Where it works.
Supported coins
BTC
Chains
Bitcoin
Use cases
Online · IRL · ATM
Blocked countries
US
WALLETS
Apple PayNo
Google PayNo
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES