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XAPO Bitcoin Debit Card Review

in News/Use Bitcoin by

XAPO Review

XAPO card claims to be the first real Bitcoin debit card on the market. It’s not entirely true, as Bitwala was the first company to offer the service. XAPO was, however, the first company to link Bitcoin to their card. Being a pioneer in any field comes with benefits and disadvantages. The benefits are that you’re ahead of the curve. The downside is that you have to make all the mistakes. XAPO did indeed make a lot of errors, including sending unbranded cards to their customers. They’ve learned from these mistakes, however, and is now one of the leaders in the space. Let’s have a look at some of the specifics.

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Advantages of the XAPO Bitcoin debit card

There are no maintenance fees during the first year of using the XAPO card.

XAPO also places a strong emphasis on security, and there are several layers you can activate as a user.

There are also no fees associated with topping up your card, which stands in sharp contrast to their competition.

Disadvantages of the XAPO Bitcoin debit card

The card is currently out of service, due to XAPO no longer working with Visa. The card will be re-launched in 2019, but for now, it’s not available.

The card is also relatively expensive to ship if you don’t want to wait almost a month to receive it.

Before ceasing operations, the company did not service US citizens, which is impractical for Americans.

Although XAPO used to offer anonymity to those who wished it, new rules seem to require stringent verification.

XAPO Bitcoin debit card fees

The physical XAPO card costs $20 to issue. Once you have the card in hand, you’ll be charged $1 per month in maintenance. New users will be happy to discover that the first year of usage is free. You can choose between free delivery or express delivery. Free delivery takes 25 days and does not include parcel tracking. Express delivery costs $55 and will get you the card very quickly. Withdrawing money from an ATM with the card requires $2.5 domestically and $3.5 internationally. Converting from one currency to another comes with a 3% conversion fee. There are no POS charges if you use the card’s native money. If you use the card abroad, however, it’ll cost you an extra 3%. It costs $1 to change the card’s PIN, and getting a replacement will cost you $12.

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Summary of the XAPO Bitcoin debit card

  • Card type: Visa
  • Virtual card: Yes
  • Physical card: Yes
  • Mobile app: Yes
  • Supported fiat currencies: GBP, EUR, and USD
  • Supported cryptocurrencies: Bitcoin (BTC), Ethereum (ETH)
  • Anonymous: No


XAPO has a solid background and is a well-known brand in the cryptocurrency space. They were one of the early starters, and have learned a lot along the way. Unfortunately, some Bitcoin debit card issuers ran out of luck with Visa recently. XAPO was one of them. As such, their card isn’t currently available, which is a shame. Stay tuned for updates on when the card is available again!

I’m a freelance writer and full-time curious person. My main interests are philosophy, politics, art, culture, science, and how they’re all interlinked. When I’m not writing, I’m fronting a band, producing records, and making videos. I’m also currently working on launching a YouTube channel that will focus on culture and politics. I think blockchain technology is fascinating because of the huge potential it has to revolutionise not only the financial sector, but society as a whole.