Is Xapo Bank Card Safe?
Xapo Bank Card scores 69/100 on our safety check. Each factor below links to its source.
Safety score
69/100
Good
Keep only what you plan to spend on the card. Stablecoins remove price risk while funds wait. Spreading funds across two providers limits the damage if one freezes.
Holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). Source
The provider holds your balance. Source
The issuer states that customer funds are held separately from company funds. Source
No proof of reserves is published. Source
No incidents or enforcement actions found in the last 36 months. Source
Some fees are only shown in the app. Source
Runs on Visa. Source
Read more
Xapo Bank Card fees, limits and cashback · Compare Xapo Bank Card costs · How the score works
Sources
- Xapo Bank Card: fees · checked September 24, 2026
- Xapo Bank Card: availability · checked September 24, 2026
- Xapo Bank Card: cashback · checked September 24, 2026
- Xapo Bank Card: safety · checked September 24, 2026