Xapo Debit Card Fees & Limits

Xapo's debit card

Purchase & ATM fees

You can find the full list of spending fees in our FAQs.

Operation Fee
Foreign Exchange Purchase 3%
Same Currency Purchase Free
ATM Withdrawal in card's currency $2.50
ATM Withdrawal in other currencies $3.50
Operation Fee
Foreign Exchange Purchase 3%
Same Currency Purchase Free
ATM Withdrawal in card's currency €2.25
ATM Withdrawal in other currencies €2.75
Operation Fee
Foreign Exchange Purchase 3%
Same Currency Purchase Free
ATM Withdrawal in card's currency £1.75
ATM Withdrawal in other currencies £2.25

Spending & ATM limits

All cards are created with Standard Limits, which have a maximum total lifetime limit of $1,000. When your total spend reaches the lifetime limit, you must upgrade your card.

ATM Withdrawals
Standard Upgraded
$400 (2x$200) $2,000 (2x$1,000)
Maximum in store or online amount
Standard Upgraded
$1,000 $10,000
Maximum number of transactions
Standard Upgraded
5 Unlimited
Maximum total lifetime spend
Standard Upgraded
$1,000 Unlimited
ATM Withdrawals
Standard Upgraded
€400 (2x€200) €2,000 (2x€1,000)
Maximum in store or online amount
Standard Upgraded
€1,000 €10,000
Maximum number of transactions
Standard Upgraded
5 Unlimited
Maximum total lifetime spend
Standard Upgraded
€1,000 Unlimited
ATM Withdrawals
Standard Upgraded
£360 (2x£180) £1,600 (2x£800)
Maximum in store or online amount
Standard Upgraded
£800 £8,000
Maximum number of transactions
Standard Upgraded
5 Unlimited
Maximum total lifetime spend
Standard Upgraded
£800 Unlimited
Spending and Withdrawal limits
Type of operation Standard Upgraded
ATM Withdrawals $400 (2x$200) $2,000 (2x$1,000)
Maximum in store or online amount $1,000 $10,000
Maximum number of transactions 5 Unlimited
Maximum total lifetime spend $1,000 Unlimited
Spending and Withdrawal limits
Type of operation Standard Upgraded
ATM Withdrawals €400 (2x€200) €2,000 (2x€1,000)
Maximum in store or online amount €1,000 €10,000
Maximum number of transactions 5 Unlimited
Maximum total lifetime spend €1,000 Unlimited
Spending and Withdrawal limits
Type of operation Standard Upgraded
ATM Withdrawals £360 (2x£180) £1,600 (2x£800)
Maximum in store or online amount £800 £8,000
Maximum number of transactions 5 Unlimited
Maximum total lifetime spend £800 Unlimited

Get your Card

Ordering your Xapo Debit Card costs $20 USD, and it includes shipping to your home. Additional fees may apply.

Order your Card now
Xapo's debit card
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