Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$0.00/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Xapo Bank Card

Xapo Bank Card

MastercardVirtual and plasticSince 2014
Asks for everythingOperational

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).

Total, per $100 spent: $0.00per $100 spent

It takes nothing at all. 173 of the 174 priced cards cost more. Among the 113 that ask for exactly as much identity, the median is $1.25.

Open xapobank.comNot a paid link: we earn nothing either way.

Whether to take Xapo Bank Card

In its favour

  • 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

Against it

  • $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)

Also true, in its favour

  • Gibraltar-licensed bank (regulated)
  • Cards accepted in 100+ countries
  • Up to 4% APY (variable, targeted) on USD savings, paid daily in Bitcoin (satoshis)

What Xapo Bank Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar0%
At a cash machineFree up to $100/mo, then 2%
Total, per $100 spent$0.00

Not published by the issuer: monthly, per payment, fixed.

Read off xapobank.com on July 21, 2026.

$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).

KYC: what Xapo Bank Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Xapo Bank Card publishes no spending limits at all.

Where it works

WalletsNeither
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in1BTC
Chains1Bitcoin
TiersVirtual, Physical

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • US persons not eligible
  • Bitcoin-backed borrowing not available in UK/Australia

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off xapobank.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Cash machine charge · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Monthly · Spending limits · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open xapobank.comNot a paid link: we earn nothing either way.

Alternatives to Xapo Bank Card

Costs $0.20 more per $100 — the price of the difference.Nexo CardNexo CardMastercardVirtual and plasticAsks for everythingIssues reportedFree to load. 0.2% outside the dollar.AG21 Jul$0.20per $100 spent
Costs $6.00 more per $100 — the price of the difference.BlackcatcardBlackcatcardMastercardVirtual and plasticAsks for everythingOperational3% when you load, plus $3.00 fixed. 1 fee field is not published.AG7 Sept$6.00per $100 spent
Costs $0.10 more per $100 — the price of the difference.Wenia CardWenia CardMastercardVirtual onlyAsks for everythingOperationalFree to load. $0.10 fixed.AG21 Jul$0.10per $100 spent