XAPO BANK CARD A Members-Only Private Bank
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $1000/YEAR |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | $50,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $1000/YEAR |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | $50,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $1000/YEAR |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | $50,000 |
- Cashback: Up to 1% BTC outside EEA/Switzerland/UK; 0.2% BTC in EEA, Switzerland & UK.
THE REAL STORY ON THIS CARD.
- Fully regulated Gibraltar credit institution
- Up to 4% targeted APY paid in Bitcoin
- Up to 1% BTC cashback on all purchases (uncapped, no tier gating)
- Zero foreign exchange fees globally
- Bitcoin-backed loans without selling BTC
- Dedicated relationship manager
- Institutional-grade security (underground vaults, MPC)
- US Stocks/ETFs and altcoin investments available in-app
- Extremely high capital ratio (167%) and liquidity ratio (1,663%)
- $1,000/year membership fee
- Custodial wallet
- Cryptocurrency features not available in all countries
- Crypto deposits NOT covered by deposit guarantee scheme
- BTC and USD APY are targets, not guarantees
- BTC exchange spread quietly increased from 0.10% to 0.29%
- Cashback drops to 0.2% in EEA/Switzerland/UK
- Loans unavailable in the United Kingdom
- Dormant accounts charged 50 USD/year (fiat) + 100 USD/year (crypto)
- Limited to 99 countries for crypto features
GENERAL QUESTIONS.
To verify your identity, we will ask you to take a photo of your international passport or national ID card and submit a real-time video of yourself. Here are some tips to ensure that the process goes smoothly.
Once you submit all of the required documentation, our Compliance team immediately begins to verify your information.
The Xapo Card is a debit card you can order via the app once you have completed the onboarding. The card will be sent directly to your Xapo registered address.
Your Xapo Bank card comes with a range of exciting benefits:
Up to 1% cashback on your Xapo Bank card purchases. Save as you spend using your Xapo Bank card.
Fee-free foreign exchange for multi-currency transactions, allowing you to use your Xapo Bank card anywhere you go.
Instant notifications on your card activity.
Control your card's activity directly from your Xapo Bank app.
MORE CRYPTO CARDS.
WHITEBIT NOVA CARD 
GATE CARD
KRAK CARD
