Xapo Bank Card
by Xapo Bank
- Monthly fee
- $83.33
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Physical
- Phone pay
- No
Our verdict
Xapo Bank Card is a premium Bitcoin banking product for committed holders. The $1,000 yearly fee is steep, but a 0.1% BTC spread, no FX fees and full private banking services help justify it.
What we like
- +Lowest-in-industry 0.1% Bitcoin spread
- +No foreign exchange fees
- +1% cashback paid in Bitcoin
- +Licensed private bank in Gibraltar
- +Lightning Network supported
- +Personal account manager included
Watch out for
- −$1,000 annual membership fee
- −Only Bitcoin and USDC supported
- −Premium service, not meant for casual users
- −Demanding onboarding
- −Free ATM use limited to $100 a month
6.7/10
Editor score
Fair
Lv 4
KYC Level
Full KYC
Global
Availability
7 countries excluded
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- BTC
- Staking Rewards
- No
- Staking APR
- None
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- $83.33
- Card Issuance
- Free
- ATM Fee
- 2%
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- Not listed
Limits
- Daily Spend
- $10,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $1,000
Card Info
- Card Type
- Physical Card
- Card Network
- Mastercard
- Apple Pay
- No
- Google Pay
- No
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
6.7/10
Sourced from
Xapo Bank is a regulated Gibraltar credit institution and VASP that links Bitcoin custody with everyday spending. Standout features are uncapped 1% BTC cashback, no FX fees, a 0.1% conversion spread and daily compounding yield on BTC and USD balances. Security is strong, with cold storage in Swiss bunkers, MPC custody and dual GFSC oversight, appealing to wealthy crypto-native users fleeing legacy bank freezes. The mandatory $1,000 fee is impractical for retail users, who would need $100,000 of annual spending at 1% cashback or about $30,000 in savings at 3.35% APY to break even. Onboarding brings invasive Source of Wealth checks, 48-hour manual deposit holds and a strict no-refund rule after 14 days, which angers users who pay and then fail compliance. The app is stable and polished with detailed card controls but lacks Apple Pay and Google Pay in 2026. Relationship managers are praised for routine matters, while complex compliance escalations expose support gaps. Sentiment splits between happy established members and users caught by compliance or deterred by the cost.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Lightning
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Frequently asked questions
Does the Xapo Bank Card require KYC?
Yes. Xapo Bank asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Xapo Bank Card charge?
The card has a monthly fee of $83.33, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Xapo Bank Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Xapo Bank Card?
It is available in most countries, except China, Cuba, Iran, North Korea, Russia, Syria, United States.
Which cryptocurrencies does the Xapo Bank Card support?
BTC, USDC.
Last updated August 19, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.