Compare the Best Crypto Cards
Choose the ideal crypto card based on your country, perks, cashback, and fees.
Xapo Card
Brand: Mastercard
Cashback: ~1.1%
Fee: $150/year maintenance; ATM ~$2.50
Countries Accepted: Global ex‑US (mainly Gibraltar origin
Description
Xapo Card – A Premium Bitcoin Debit Card for Secure Global Spending
The Xapo Card is one of the most trusted and secure Bitcoin debit cards in the world, offering users instant access to their BTC for everyday payments. Fully integrated with the Xapo Bank ecosystem, the card allows seamless crypto-to-fiat conversion, global acceptance, and military-grade security — making it a premium choice for individuals who want to use Bitcoin effortlessly in real life.
Spend Bitcoin Instantly Anywhere Mastercard Is Accepted
The Xapo Card is powered by Mastercard, giving users the ability to pay at millions of merchants worldwide. Whether you're:
Shopping online
Buying groceries
Booking travel
Dining out
Making hotel reservations
Withdrawing cash at ATMs
…you can spend your Bitcoin just like traditional money.
Instant BTC-to-USD Conversion
Your Bitcoin converts to fiat in real time at the moment of purchase. This allows:
Faster payments
Stable spending in USD
Elimination of volatility during transactions
It’s a smooth and predictable way to use BTC for everyday purchases.
Integrated With Xapo Bank
The Xapo Card connects directly to your Xapo Bank USD account, ensuring:
Instant funding
No delays
No manual top-ups
Real-time balance updates
Your Bitcoin can be automatically converted and spent seamlessly.
Virtual & Physical Card Options
Xapo offers two convenient formats:
Virtual card for online shopping and digital subscriptions
Physical Mastercard for POS payments and ATM withdrawals
Both options offer enhanced security and global accessibility.
Industry-Leading Security
The Xapo Card is backed by the same advanced security infrastructure used by Xapo Bank, including:
End-to-end encryption
Multi-factor authentication
Real-time fraud monitoring
Instant card freeze/unfreeze
Biometric verification
This makes it one of the safest Bitcoin cards available.
Low Fees and Transparent Pricing
Xapo provides clear and competitive pricing with:
No hidden charges
Low ATM withdrawal fees
Fast and simple onboarding
Optional global membership benefits
The focus is on transparency and user-friendly cost management.
Key Features of the Xapo Card
Accepted worldwide via Mastercard
Instant Bitcoin-to-USD conversion
Virtual & physical cards available
ATM withdrawals supported
Integrated with Xapo Bank
Military-grade security
Smooth global payments
Real-time transaction tracking
Why Choose the Xapo Card?
The Xapo Card is ideal for Bitcoin holders who demand a premium, secure, and globally accepted payment solution. Whether you're a frequent traveler, a digital nomad, or simply want to use Bitcoin for everyday purchases, the Xapo Card offers an elite experience with unmatched security and convenience.
Conclusion
The Xapo Card stands out as a top-tier Bitcoin debit card, delivering instant conversions, worldwide Mastercard acceptance, and the trusted security of Xapo Bank. It brings your Bitcoin into the real world with ease, reliability, and speed — making spending crypto as simple as using a traditional bank card.
High security; insurance; USD/BTC interest; crypto-debit linked bank