Xapo Card
1%
$1000
41 countries
The Xapo Card is a premium metal debit card bundled with Xapo Bank membership, spending BTC, USD, USDC and USDT with a USD account issued in the holder's name. It stands out for near-frictionless spending: 0% FX, only a ~0.1% BTC/fiat spread, free ATM withdrawals up to $100/month, and Bitcoin cashback of up to 1%, all backed by very high spending limits and 100+ country coverage. The trade-off is the steep annual membership (~$1,000), which makes it a fit for high-balance users rather than casual spenders.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Plus 2% at ATMs. Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How Xapo Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $1,000 | $12 | $96 | −$120 | $988 | #58 |
| Active$2000/mo card · $800/mo ATM | $1,000 | $24 | $192 | −$240 | $976 | #50 |
| Heavy$5000/mo card · $1500/mo ATM | $1,000 | $60 | $360 | −$600 | $820 | #37 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- ATM withdrawals cost 2% — about $10 on a $500 withdrawal. The median across tracked cards is 2%.
- Available in 41 countries — #1 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Gnosis Pay | 0% | — | 2% |
| KeyOne | 0% | — | — |
| Lava Card | 0% | — | 5% |
| MetaMask Card | 0% | — | — |
| OKX Card | 0.1% | — | 2% |
User reviews
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Reviews are moderated. We publish honest feedback, including criticism.
Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
Xapo Card FAQ
Xapo Card holds a trust score of 7.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Most users speak well of it.