Xapo supports Bitcoin and a selection of leading altcoins, or cryptocurrencies, across key networks: [Missing Table] *Please note that while ETH and ADA are available for trading, Xapo Bank does not currently support deposits or withdrawals in either currency. ETH and ADA may not be available to UK members.
FAQs
Payments & Global Transfers
Navigate seamless global transactions using traditional banking networks, stablecoins, Bitcoin, and our premium debit card with zero foreign exchange fees.
As a fully regulated international bank, we provide our members with direct access to tier-one global payment rails. You can seamlessly send and receive fiat currency using SWIFT and ACH for US Dollar (USD) transfers, SEPA for Euro (EUR) transfers across Europe, and the Faster Payments Service (FPS) for near-instant Pound Sterling (GBP) transfers within the UK.
Your membership includes a free premium metal debit card designed for global mobility, backed by a fully regulated bank and direct partnerships with Visa and Mastercard. The Xapo Bank debit card offers a host of diverse benefits.
World Class Global Travel
Unlimited Free Foreign Exchange: We charge no hidden fees or spreads on international transactions. You get the pure Visa or Mastercard exchange rate, which can save you 1-3% on every purchase you make abroad.
Global Airport Lounge Access: Your travel experience is elevated with discounted access to over 1,200 airport lounges worldwide through LoungeKey™. Plus, your first visit each year is on us!
Free ATM Withdrawals: Get cash when you need it with up to $100 USD in free ATM withdrawals every month. A low fee of just 2% applies thereafter.
Vigilant Security, Proactive Protection:
Real-Time Fraud Monitoring: Our systems actively monitor your transactions in real time to detect and alert you to any suspicious activity.
Proactive Defence: We actively scan for and respond to leaked card information to prevent fraud before it happens.
Support with Fund Recovery: In the unfortunate event of fraud, we have a dedicated process to help you recover your money.
Yes, if you’re a Bitcoin holder, the Xapo card is the most cost-effective way to spend your BTC, with no conversion fees and a low spread. We don't charge any fees to convert your Bitcoin, and we offer a transparent, low spread of just 0.1%. This can save you a significant amount compared to other platforms.
Xapo Bank members can transact freely on the debit card up to the following daily spending limits.
In-store purchases: USD 50,000/day
Online payments: USD 50,000/day
ATM withdrawals: USD 2,000/day
Should you need to make a larger purchase, please get in touch with our team to assist with temporarily raising your limits up to $750,000 on a case-by-case basis.
