The Xapo Card is one of the most practical tools from Xapo Bank, a private bank based in Gibraltar that merges traditional banking with crypto. Designed for global spending, it lets members use both Bitcoin and US dollars for everyday purchases. With added perks like Bitcoin cashback and no foreign exchange fees, it has become a go-to option for crypto-friendly banking.
How to Get a Xapo Card?
To access a Xapo Card, you must first become a member of Xapo Bank. This involves completing the onboarding process and paying the annual membership fee, which has previously been reported as around $1.000. Once approved, you can order a physical card through the bank's mobile app. Virtual cards are issued instantly, while the physical metal card is shipped to you.
What Are the Benefits of the Xapo Card?
The card offers global acceptance, working at ATMs, online shops, and point-of-sale systems worldwide. A key feature is Bitcoin cashback, where users earn up to 1% back on purchases, with rewards paid directly in BTC. It also has fee-free foreign exchange, high spending limits, and the ability to link both USD and Bitcoin balances.
What Is New with the Xapo Card in 2025?
Xapo Bank recently upgraded the card's functionality, expanding its use to over 110 countries and improving merchant acceptance. The cashback program has also been extended to more categories, including utility payments and car rentals. Alongside this, Xapo's Bitcoin-backed lending product now complements the card, letting users borrow USD without selling their BTC.
Conclusion
For those who want seamless crypto and fiat spending, the Xapo Card provides a premium solution. While access comes with a steep annual membership, its features—especially Bitcoin rewards and international flexibility—make it an attractive choice for serious crypto users.
