Xapo Bank Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(1094 reviews)Independently reviewed by Mihail B. · how we verify
Get Xapo Bank CardCard Overview
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 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.
Sweepbase verdict: Xapo Bank Card stands out for its up to 1% cashback rewards and on-card yield on deposited crypto — a solid fit for active spenders looking to earn crypto rewards on everyday purchases. Just keep an issuance fee (Virtual Free; Plastic Free; Metal premium option) in mind when comparing alternatives.
This is a Visa crypto card. This is a Mastercard crypto card. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| 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) |
These figures can change. Confirm the current fees, FX and network in Xapo Bank’s official terms before you apply.
Features
- Welcome Bonus: $10 referral
- Card Type: Virtual + Physical
- Top up with: Deposit USD or Bitcoin; Lightning Network integration for BTC
- Available Countries: United Kingdom, Belgium, Netherlands, Germany, Iceland, Portugal, Poland, Spain, Romania, France, Italy, Ireland, Switzerland, Singapore, Japan, Saudi Arabia, Hong Kong, United Arab Emirates, Brazil, Bangladesh, Malaysia, India, Tanzania, South Africa, Kenya, Australia, Canada, New Zealand, Argentina, Mexico, Colombia, Chile, Peru, Philippines, Indonesia, Thailand (100+ countries; excludes United States)
Banking & Fiat Rails
IBAN yes; SWIFT yes; SEPA yes; UK sort code; full bank account
Supported Cryptocurrencies
You can load the Xapo Bank Card with 1 cryptocurrency token. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC (incl. Lightning), USDC, USDT deposits
Who Is the Xapo Bank Card Best For?
The Xapo Bank Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Xapo Bank Card pays 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, so it works well as a daily spending card.
The card is currently available in 100+ countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 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
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
Avoid if
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Xapo Bank Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Fully licensed Gibraltar bank; earn interest on both USD (4.1%) and Bitcoin (1%) balances; 1.1% BTC cashback; zero FX fees; Bitcoin Lightning Network integration
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Crypto neobank with IBAN account and regular banking features
- Welcome bonus: $10 referral
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- High $1,000 annual membership fee; excludes US, Canada, Australia; fully custodial; $100 monthly free ATM limit; extensive KYC required
- Card issuance fee: Virtual Free; Plastic Free; Metal premium option
- Annual fee: $1000/year membership fee
- Only available in certain regions
How to Get the Xapo Bank Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Xapo Bank account
~5 minutesGo to the Xapo Bank website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Xapo Bank verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with Deposit USD or Bitcoin; Lightning Network integration for BTC through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Xapo Bank Card shows up in the Xapo Bank app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in the United States
The Xapo Bank Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Commonly supported states:
Frequently Asked Questions
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