Xapo Bank Card Review 2026
Last updated: by the
Last updated: by the
A licensed crypto neobank card with Gibraltar IBAN and full banking services. Xapo Bank Card delivers institutional-grade Bitcoin banking through Gibraltar's fully licensed financial infrastructure, enabling seamless spending from both USD and Bitcoin balances with automatic conversion and up to 1.1% Bitcoin cashback on all purchases. Earn exceptional 4.1% APY on USD deposits and 1% on Bitcoin holdings—both paid in BTC—while enjoying zero foreign exchange fees across 150+ countries via Visa and Mastercard networks. With Bitcoin Lightning Network integration for instant deposits/withdrawals, deep cold storage security, premium metal card options, and adjustable limits reaching $50,000 daily spending, Xapo Bank bridges traditional banking stability with Bitcoin innovation. Perfect for high-net-worth individuals seeking regulated Bitcoin banking with interest-earning capabilities, though $1,000 annual membership fee and exclusion of US, Canada, and Australia limit accessibility.
This is a Visa crypto card. This is a Mastercard crypto card. It offers cashback rewards.
| Issuance Fee | Virtual Free; Plastic Free; Metal premium option |
|---|---|
| Annual Fee | $1000/year membership fee |
| FX Fee | 0% foreign exchange fees |
| ATM Limit | $100/month free, then 2% fee; $1000/day limit (adjustable to $2000) |
| Spending Limit | $10000/day (adjustable to $50000) |
The Xapo Bank Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Xapo Bank Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Up to 1.0% BTC cashback (Metal card outside SEPA: 1.0%; Plastic/Virtual outside SEPA: 0.5%; SEPA merchants: 0.2%). Unlimited, no cap. Paid monthly in Bitcoin. cashback on eligible purchases, the Xapo Bank Card rewards active spenders who use the card as their daily driver.
The card is currently available in 150+ countries — ideal for residents and frequent travellers in those areas.
Compare the Xapo Bank Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Xapo Bank Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Xapo Bank website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Xapo Bank processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using Deposit USD or Bitcoin; Lightning Network integration for BTC via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Xapo Bank Card is available immediately in the Xapo Bank app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in 150+ countries
The Xapo Bank Card is currently available in 150+ countries. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
