Xapo Bank Card

Xapo Bank

Best referralHigh cashback

Cashback: Targeted campaigns only (general cashback removed Jul 2026)in BTC
Monthly fee: Membership ~$1,000/yr (payable in USD/GBP/EUR/USDT/USDC/BTC) — confirm on site
FX / conversion: No FX fees
Issuance: Included with membership
Card type: virtual + physical

Eligibility & KYC — who can get it

✓ Open to most nationalities

Not issued to residents / citizens of:

AfghanistanBelarusBosnia and HerzegovinaCentral African RepublicCubaDemocratic Republic of the CongoHaitiIranIraqIvory CoastLebanonLibyaMaliMyanmarNicaraguaNorth KoreaPalestineRussiaSerbiaSomaliaSouth SudanSudanSyriaUkraineUnited StatesVenezuelaYemenZimbabweCrimea

Official Xapo Bank FAQ (xapobank.com): 'Xapo Bank is unable to serve individuals residing in the following countries' — the list above (subject to change without notice). Loans are additionally unavailable in the United Kingdom.

Issuer’s markets: 110+ countries (global sending/spending); aimed at international/private-banking clients.

Where you can pay

✓ Worldwide — anywhere Visa is accepted

Xapo Bank's site states 'The Xapo Bank card can be used globally' (footnote: it cannot guarantee every individual ATM will accept it) and markets 'Global Sending & Spending' across the globe with no FX fees. No country-level spending limits are stated.

Cashback details

From 1 July 2026, Xapo Bank replaced general everyday card cashback with exclusive targeted campaigns. Current campaign: 3% on taxi/rideshare (Metal only, Jul–Aug 2026). Paid in BTC. BTC spending spread reduced to 0.1%. Network: Visa and Mastercard. Up to 5 virtual cards. Metal cards currently free to order.

Spend from

BTC and USD are core (membership payable in USD/GBP/EUR/USDT/USDC/BTC); investment access to U.S. stocks, ETFs and altcoins.

Verification procedure

KYC required (licensed Gibraltar private bank).

AI subscriptions

Visa card works for online subscriptions. 110+ countries. Premium membership (~$1,000/yr).

Good to know

Bitcoin-focused licensed private bank (Gibraltar). Earn up to 4% APY (variable, paid in BTC) on USD and BTC balances. Lightning Network payments. Instant BTC-backed loans (zero fees; currently unavailable in the UK). Access to U.S. stocks/ETFs/altcoins. Dedicated relationship managers; inheritance/beneficiaries features. No Apple Pay. Premium membership model.

Referral program

You get (referrer)

$500 USD in BTC

Friend gets (referee)