Crypto card review
Xapo Card review: fees, limits and KYC
Xapo Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0.2-1.1% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes USA, Sanctioned.
VisaVirtualPhysicalKYC required
Crypto card fees on Xapo Card, and what it offers
Three fields decide what Xapo Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of Free. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Xapo Card publishes an ATM limit of $1,000, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Virtual, Physical | Required | Free | Free | Free | 0.2-1.1% | $1,000 | Apple Pay, Google Pay | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Xapo Card is available
The provider lists Global as supported, and excludes USA, Sanctioned. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Xapo Card
The provider supports these assets directly on the card: BTC, USDC. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in BTC.
The trade-offs on Xapo Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- No top-up fee
- 0.2-1.1% cashback on spending
What costs you
- Identity verification required
- Not available in the United States
What people say about Xapo Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Xapo Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
They are not letting me to withdraw my balance. I want to close account with them and I want to withdraw my balance gbp into…
ALLAN, trustpilot.com, rated 1/5
They understand Bitcoin!
customer, trustpilot.com, rated 4/5
I strongly recommend DO NOT use this bank. I opened an account. Thought it was brilliant. Had it like 6 weeks. Then they suspended my…
P Thomson, trustpilot.com, rated 1/5
The support team is responding to my questions quickly and resolving matters sooner.
Emiko Aida, trustpilot.com, rated 4/5
I AM UPDATING THIS TO STATE THAT I HAVE ALREADY SENT ALL MY DATA TO SUPPORT WEEKS AGO. ASKING FOR IT AGAIN HERE PROVES THE…
deivide Machado, trustpilot.com, rated 1/5
Ive had nothing but problems with Xapo since I joined. My dedicated relationship officer has been super nice. But I feel like she’s been hamstrung…
CD, trustpilot.com, rated 2/5
I have found their service to be first rate with a very user friendly app.
Tony P., trustpilot.com, rated 5/5
I have to say that, to be honest, I was surprised by the professionalism of Xapo Gibraltar Bank, which I hadn’t expected . So far,…
customer Andy, trustpilot.com, rated 5/5
Great to deal with, fast, efficient, secure, frictionless, excellent app, real people to liaise with when necessary.
customer, trustpilot.com, rated 5/5
Human beings are available and reachable. We've come this far that this no longer normal. Greed trumps service. While AI can do a lot, there…
J, trustpilot.com, rated 5/5
Cards to compare Xapo Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Xapo Card in context
Cashback 0.2-1.1%, top-up Free, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.