Can I use my card with any merchant?

Transactions and spending

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

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

Can I use my card with any merchant?

For your safety, certain Merchant Category Codes (MCCs) may be blocked, as they are not secure to transact with.

We do this in line with the Xapo Card Terms. You may access this document by logging into your Xapo app, tapping on Settings, and then tapping Legal information.

If you require assistance, please reach out to us via in-app chat or email [email protected]. We would be happy to help.

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