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Earn 1% cashback with no foreign exchange fees

Spend seamlessly around the world in traditional currency or Bitcoin with a global Xapo Bank card and earn up to 1% cashback5. 



Enjoy zero charges on foreign exchange transactions and no fees when you use your Xapo Bank card to withdraw cash at an ATM5.

Control your payments

You're in charge of your online and card payments. Toggle this feature on or off for more convenience and extra peace of mind.

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Control your payments
App screens

Security made simple

Xapo Bank cards can also be easily managed right from the app. Freeze, replace and manage your card with just a few simple taps.

Choose a card that suits your lifestyle

Be discreet with a virtual card

Be discreet with a virtual card

Enjoy extra privacy without the need to share physical card details for online spending. Delete an old virtual card and create a new one in just a few taps.

Simply pay your membership fee and you'll get instant access to to a virtual card.

Unlock exclusive perks with your Xapo Bank card
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Unlock exclusive perks with your Xapo Bank card

When you open an account, you’ll get instant access to a complimentary Xapo Bank card that lets you spend anywhere around the globe in both traditional currency and Bitcoin.

1
Pay your membership fee
2
Deposit a minimum of USD 150 or its equivalent in BTC
Go premium with a sleek metal card

Go premium with a sleek metal card

Enjoy the exclusive look and feel of the new Xapo Metal Card for a premium payment experience.

1
Pay your membership fee
2
Deposit a minimum of USD 150 or its equivalent in BTC
3
The Xapo Metal Card comes at an additional cost of USD 89

Xapo Bank cards give you access to…

  • Up to 1% cashback
    When you spend with your card
  • Out of USD? No worries
    The BTC to USD auto-conversion ensures your card payments are always possible, anytime, anywhere
  • Zero foreign exchange fees added
    With no surprises or hidden fees on conversion
  • Effortless everyday payments
    From restaurant dinners to your Netflix subscription, you can pay for it all using your Xapo Bank card
  • Security at your fingertips
    Seamlessly freeze, manage, and replace your card directly in the app
  • Payment control
    So you can toggle on/off payments online and abroad
A woman's hand on the sea backgroundA woman's hand on the sea background

the bridge between
Bitcoin, US Dollars, and stablecoins