Quick Summary
Key Features
- Licensed Gibraltar private bank + VASP with dual GFSC regulatory oversight
- Spend BTC directly at checkout — conversion at point of sale with 0.1-0.29% spread, no conversion fee
- 1% uncapped cashback paid in real Bitcoin on all qualifying purchases
- Zero FX fees; daily compounding yield on BTC and USD balances; Lightning Network support
Main Advantages
- 1.0% cashback on eligible spend
- Multi-region availability (6 regions)
- Both virtual and physical card options
Notable Limitations
- Paid issuance: $1,000/year membership (covers card creation + delivery)
- Recurring fee: $83.33
- Terms change often — the provider's live numbers are final
The cards
Every format Xapo Bank issues — pick the one that fits how you spend.
Xapo Bank Virtual
Xapo Bank Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
Xapo Bank: Reported in 81 countries across 6 regions (United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Xapo Bank card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Xapo Bank Virtual | Xapo Bank Physical |
|---|---|---|
| Issuance fee | $1,000/year membership (covers card creation + delivery) | $1,000/year membership (covers card creation + delivery) |
| Monthly fee | $83.33 | $83.33 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 1.0% cashback on eligible spend |
| Perks | Licensed Gibraltar private bank + VASP with dual GFSC regulatory oversight |
| Perks | Spend BTC directly at checkout — conversion at point of sale with 0.1-0.29% spread, no conversion fee |
| Rewards | 1% uncapped cashback paid in real Bitcoin on all qualifying purchases |
| Spending & FX | Zero FX fees; daily compounding yield on BTC and USD balances; Lightning Network support |
| Perks | Cold storage in Swiss military bunkers; MPC custody; dedicated human relationship managers |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: BTC deposit (no fee), USD deposit, SWIFT/ACH/SEPA/Fedwire bank transfer, USDT/USDC |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Xapo Bank |
|---|---|
| Virtual card issuance | $1,000/year membership (covers card creation + delivery) |
| Monthly / annual fee | $83.33 |
| Card network | Mastercard |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | BTC deposit (no fee), USD deposit, SWIFT/ACH/SEPA/Fedwire bank transfer, USDT/USDC |
| Supported assets | BTC, USDC, USDT |
| Regions | United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America |
Rating breakdown
Pros & cons
Pros
- Licensed Gibraltar private bank + VASP with dual GFSC regulatory oversight
- Spend BTC directly at checkout — conversion at point of sale with 0.1-0.29% spread, no conversion fee
- 1% uncapped cashback paid in real Bitcoin on all qualifying purchases
- Zero FX fees; daily compounding yield on BTC and USD balances; Lightning Network support
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Xapo Bank virtual card cost?
The virtual card issuance fee is listed as $1,000/year membership (covers card creation + delivery). $1,000 annual membership fee is the entry filter — covers card creation, delivery, one free replacement/year. ATM free up to $100/mo, then 2%. Fees change often — confirm in the app.
Which countries support Xapo Bank?
Xapo Bank is available in: United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America. Global private-bank membership; card eligibility varies by country of residence — check before applying. Found via cryptocards.so directory listing.
Does Xapo Bank require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Xapo Bank card with?
Supported top-up methods: BTC deposit (no fee), USD deposit, SWIFT/ACH/SEPA/Fedwire bank transfer, USDT/USDC.
Our verdict
Xapo Bank scores 8.2/10 in our rating system. A real licensed private bank where you spend Bitcoin directly at checkout and earn 1% back in actual BTC.
Get the Xapo Bank card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Xapo Bank's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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