Compare the Best Crypto Cards

Choose the ideal crypto card based on your country, perks, cashback, and fees.


Xapo Card

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