You will receive cashback paid in Bitcoin on all your qualifying Xapo card purchases. Spend US Dollars or Bitcoin – Earn Bitcoin. It’s that simple!

Your Xapo Card transaction could be declined for a number of reasons.

Your Xapo Card supports remote payments–these include things like online purchases, in-app purchases, subscriptions, and mail or phone order payments.

We will ping your phone to let you know how much you have spent and where. We will also notify you of any relevant card activity – tracking updates for its delivery, confirmation that your card has been activated, and alerts when transactions have been declined. Other categories Overview and benefits Ordering, shipping and activation Card PIN management and controls Transactions and spending Lost or stolen card Card replacement and troubleshooting

When withdrawing funds from an ATM*, there are two types of fees that may apply: one charged by the ATM operator and the other by Xapo Bank.

Your Xapo Card’s contactless function allows you to make in-store purchases without inserting it into a terminal and/or entering your PIN.

You can spend with your Xapo Card, wherever you go. If your transaction is in a currency other than US dollars, we will automatically calculate it in US dollars based on the exchange rate provided by Visa or Mastercard.

With the Xapo Card, you can make most kinds of day-to-day transactions – online payments, ATM withdrawals, and Point-of-Sale purchases, to name a few.

Due to its metal construct, there might be occasional issues with contactless payments and ATM usage.

If you do not recognize a transaction, get in touch immediately. Any payment made with your Xapo Card can be disputed by contacting us. The sooner you reach out, the better

Xapo Bank offers a daily spending limit feature for both physical and virtual cards. This feature is designed to give you control over your spending by allowing you to set personal spending limits within the maximum daily limits established by Xapo Bank.

Xapo Bank offers you zero-commission exchange rates for spending and withdrawal in currencies other than US dollars. For this reason, we strongly recommend that you do not use Dynamic Currency Conversion (DCC) when interacting with merchant terminals.

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 app.

While the Xapo card has been optimised for global acceptance and will, certain transactions flagged by our real-time fraud monitoring tools may be blocked for your safety.

Since funds are not instantly transferred, your transaction is “in progress” when the funds are blocked and awaiting action from the merchant. Once they are claimed (usually within 24 hours), the transaction is marked as “completed.”

When you spend money abroad or shop online in a foreign currency, some banks might offer an exchange rate with a hidden markup. This can lead to paying more than expected, even if no additional fees are clearly stated.