Xapo is a Bitcoin-focused private bank founded in 2013 by Argentinian entrepreneur Wences Casares, originally as a Bitcoin custody and wallet service. The company is now headquartered in Gibraltar, where it holds a full banking license from the Gibraltar Financial Services Commission alongside a distributed ledger technology (DLT) license as a virtual asset service provider. Xapo's institutional custody business, including its underground vaults, was sold to Coinbase in 2019; the consumer bank was retained.
The Xapo Card is a crypto debit card offered by Xapo Bank, available in 110+ countries. It offers 0.2-1.1% BTC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $1,000/yr. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| SEPA | 0.2% | $1,000/yr membership, all SEPA transactions |
| Plastic/Virtual outside SEPA | 0.5% | $1,000/yr membership |
| Metal outside SEPA | 1.1% | $1,000/yr membership, Metal card |
Note: Relaunched as Xapo Bank. $1,000/yr annual membership required. Cashback tiered by region/card type: 0.2% on SEPA, 0.5% on Plastic/Virtual outside SEPA, 1.1% on Metal outside SEPA. Ultra-low 0.1% BTC spread. No FX fees. Expanded merchant categories for cashback eligibility (utilities, car rentals, professional services). EU debit card variants now available.
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The Xapo Card is a crypto debit card offered by Xapo Bank. It is available in 110+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Xapo Card offers 0.2-1.1% BTC cashback. There are 3 tiers: SEPA (0.2%), Plastic/Virtual outside SEPA (0.5%), Metal outside SEPA (1.1%).
The Xapo Card has an annual fee of $1,000/yr. Additional fees: Conversion fee: 0.1% BTC spread; FX fee: 0%.
The Xapo Card is available in 110+ countries. Its availability status is "Global".
The Xapo Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Xapo Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.