Xapo Card

Xapo Bank · Visa · debit · Self-custody · metal

0 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, Xapo Card nets +$111 a year. According to Cardefi data, 4 of 8 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at Xapo Bankdirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: —
FX fee: 0.0%
Net value / yr: +$111
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Member	Member	1.0%	+$111

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% + 0.3% × $3,000	−$9
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$111

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	— not disclosedCard is included in a paid Xapo Bank membership; the membership price is not on the captured pages 1 source “Your membership includes a free premium metal debit card designed for global mobility”[4] · help_center · captured 6 Sep 2026
Monthly fee	— not disclosedSee annual
Card issuance	$0Included in membership; additional replacement in a year USD 25 1 source “Your membership includes a free premium metal debit card designed for global mobility”[4] · help_center · captured 6 Sep 2026
Foreign transaction (FX)	0.0%Pure Visa or Mastercard rate 2 sources “Spend in any currency worldwide with no FX fees and no hidden markups on your transactions.”[2] · landing · captured 6 Sep 2026 “We charge no hidden fees or spreads on international transactions. You get the pure Visa or Mastercard exchange rate”[4] · help_center · captured 6 Sep 2026
Crypto conversion / spread	0.3%sources disagreeFAQ says 0.29% spread on BTC spend; the 2025 blog announced 0.1% (down from 0.6%). USD spend has no spread 2 sources “We don't charge any fees to convert your Bitcoin, and we offer a transparent, low spread of just 0.29%.”[4] · help_center · captured 6 Sep 2026 “we've significantly reduced the spread to an ultra-low 0.1% (down from 0.6%) when you spend from your BTC wallet.”[1] · help_center · captured 6 Sep 2026
ATM withdrawal	2.0%After USD 100 of free withdrawals per month; ATM operator fees may applyFree up to $100 / month 1 source “Cash withdrawal (ATM) in and outside Gibraltar above 100 USD per month: 2% of the withdrawal amount, ATM operator fees may apply.”[2] · landing · captured 6 Sep 2026
Card replacement	$25 1 source “Additional replacement card in a year (January-December): 25 USD”[2] · landing · captured 6 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Member	1.0% · None · Cap: not disclosed · Paid in BTC 1 source “Earn up to 1% cashback, paid in BTC, on qualifying purchases.”[1] · help_center · captured 6 Sep 2026

Limits

ATM per day	$2,000 / day 1 source “ATM withdrawals: USD 2,000/day”[4] · help_center · captured 6 Sep 2026
Spend per month	— not disclosedDefault daily spending limits exist and can be changed in the app

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Annual fee. Card is included in a paid Xapo Bank membership; the membership price is not on the captured pages
Monthly fee. See annual
Spend per month. Default daily spending limits exist and can be changed in the app

Sources

5 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

www.xapobank.com/en/blog/xapo-card-enhancements-2025 · help_center · 6 Sep 2026
www.xapobank.com/en/banking/transact · landing · 6 Sep 2026
legal.xapobank.com/cards/visa · legal · 6 Sep 2026
www.xapobank.com/en/help/faq/payments-and-global-transfers · help_center · 6 Sep 2026
www.fsc.gi/regulated-entity/xapo-bank-limited-23171 · legal · 6 Sep 2026

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Access & funding

Regions: Countries not disclosed
KYC: full
Top-up: Bank transfer, Stablecoin deposit (auto-converted to USD), Bitcoin
Fiat: USD
Assets: USD, BTC, USDC, USDT
Form: virtual + physical
Wallets: —

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Xapo Bank Limited
Infrastructure: — not disclosed
Issuer of record: Xapo Bank Limited (GI)
Licence: GFSC · 23171
Network: Visa
Custody: Self-custody

3 sources

“The Xapo Card is issued by Xapo Bank, a company incorporated and registered under the laws of Gibraltar with Company No. 111928.”[3] · legal · captured 6 Sep 2026

“backed by a fully regulated bank and direct partnerships with Visa and Mastercard.”[4] · help_center · captured 6 Sep 2026

“Accepting Deposits (Banking)”[5] · legal · captured 6 Sep 2026

Status

Now: Live

“Your Xapo Bank membership includes metal, standard, and virtual debit cards, allowing you to spend your U.S. dollars or Bitcoin no matter where you are in the world, with no hidden fees on international spending and protection for your wealth.”xapobank.com · captured 6 Sep 2026

Where you can get it

Global: — countries not disclosed

2 sources

“Your Xapo card now works in over 110 countries.”xapobank.com · help_center · captured 6 Sep 2026

“The products and services on this website are authorised in Gibraltar, and some are passported into the United Kingdom.”xapobank.com · landing · captured 6 Sep 2026

Trust

Verified: 6 Sep 2026
Coverage: 4 of 8 key figures verified, 3 not disclosed, 1 where sources disagree
Confidence: A official source plus an independent one
Disclosure: help center
Source: xapobank.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Xapo Card charge on foreign currency?: Xapo Card adds 0.0% on transactions in a currency other than the account currency.
How much cashback does Xapo Card pay?: Xapo Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
What does Xapo Card charge at an ATM?: Xapo Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Xapo Card?: You do. Xapo Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does Xapo Card require identity verification?: Yes. Xapo Card requires full identity verification before the card can be used.