Your debit card is directly linked to your US dollar balance. Whenever you use your debit card for a point-of-sale transaction at a merchant or an ATM withdrawal and your US dollar balance is not sufficient to cover the amount of the transaction, we can auto-convert the transaction amount to US dollars from your Bitcoin balance so that the transaction is completed.

We have made it possible for you to be in control of your card security controls. You can enable on and off payments outside of your registered country of residence and online transactions on the Xapo Bank app.

To set up a subscription payment, provide your card details to the merchant. When making the first payment, we will prompt you to authenticate it via the app.

You can check your Xapo Card’s PIN by following a few simple steps.

You will set your Xapo Card PIN during your application for the card.

The Xapo Bank card PIN is a four-digit code that you enter when making payments using the Xapo Card.

You have the ability to check and change your card PIN, all within the Xapo Bank app, by following these steps.

Freezing the card prevents you or anyone else from making payments with it. You may unfreeze it at any time to start using the card again.