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What is the Xapo Virtual Card?

Xapo's Virtual Card is a digital prepaid card that is currently exclusively available for our U.S. users. As a non-physical VISA card that lives in the Xapo app, you can make online purchases with millions of merchants worldwide. All of your card details can be easily accessed through the Cards tab in the app.

To use your Virtual Card, you simply load funds directly from the bitcoins in your spending account, which automatically converts into USD to use at your disposal. You're then free to start spending as you please!

In addition to being completely free to order, here are some additional quick facts about Xapo's Virtual Card:

  • No annual fees
  • No need to activate - as soon as you apply, it's ready to use
  • There is a one card limit per user
  • It's valid for three years

Log into the Xapo app and get your card today!

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Who can order a Virtual Card?

We are currently offering the Virtual Card to our U.S. users who meet the following requirements:

If you meet these requirements, you are automatically eligible to order your Virtual Card directly through the Xapo app!

Meanwhile, if you live in a non-eligible state, we will make future announcements whenever we make a release in other states around the country. Please stay tuned for updates!

Eligible states:
  Alaska
  Arizona
  California
  Colorado
  Delaware
  District of Columbia
  Idaho
  Illinois
  Indiana
  Kansas
  Kentucky
  Maine
  Maryland
  Massachusetts
  Michigan
  Minnesota
  Missouri
  Montana
  New Hampshire
  New Jersey
  New Mexico
  Oklahoma
  Pennsylvania
  Rhode Island
  South Carolina
  Tennessee
  Texas
  Utah
  Washington
  Wisconsin
  Wyoming
Non-eligible states:
  Alabama *
  Arkansas
  Connecticut
  Florida
  Georgia *
  Hawaii *
  Iowa
  Louisiana
  Mississippi
  Nebraska
  Nevada
  New York
  North Carolina *
  North Dakota
  Ohio
  Oregon *
  South Dakota
  Vermont
  Virginia
  West Virginia
* States denoted with an asterisk are note eligible for any Xapo services or products.
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How can I order the Virtual Card?

Ordering your Virtual Card is simple and can be done right through the Xapo app! As a reminder, you must be a U.S. resident, as well as:

You can order the Virtual Card using the Xapo app (Android or iPhone) or a web browser.

Select an option to continue:

How to order the Virtual Card using the Xapo app (Android)

1. Open the Xapo app and log in to your account.

  • Select the Card tab.
  • Tap Order Yours to proceed.

If your account has not yet been verified, you will be prompted to the process of your identity verification. You can return to this screen after your verification documents have been approved.

2. Read through the Terms & Conditions.

  • You will find two sets of Terms of Use: the Cardholder Agreement and the Deposit Account Agreement.
  • After reading, check the box next to each agreement.
  • Tap Order card to proceed.

3. Your card should be approved within 30 seconds.

  • Once your card has completed loading, you will receive a message that your Virtual Card is ready to go.
  • There is no need to activate the card, as this will be automatically done once you complete this step!

Tap View my card to load funds and get started spending!

How to order the Virtual Card using the Xapo app (iPhone)

1. Open the Xapo app and log in to your account.

  • Select the Card tab.
  • Tap Order Yours to proceed.

If your account has not yet been verified, you will be prompted to the process of your identity verification. You can return to this screen after your verification documents have been approved.

2. Read through the Terms & Conditions.

  • You will find two sets of Terms of Use: the Cardholder Agreement and the Deposit Account Agreement.
  • After reading, check the box next to each agreement.
  • Tap Order card to proceed.

3. Your card should be approved within 30 seconds.

  • Once your card has completed loading, you will receive a message that your Virtual Card is ready to go.
  • There is no need to activate the card, as this will be automatically done once you complete this step!

Tap View my card to load funds and get started spending!

How to order the Virtual Card using a web browser

1. Log in to your Xapo account.

  • Select the Card tab.
  • Click Order Yours to proceed.

If your account has not yet been verified, you will be prompted to the process of your identity verification. You can return to this screen after your verification documents have been approved.

2. Read through the Terms & Conditions.

  • You will find two sets of Terms of Use: the Cardholder Agreement and the Deposit Account Agreement.
  • After reading, check the box next to each agreement.
  • Click Order card to proceed.

3. Your card should be approved within 30 seconds.

  • Once your card has completed loading, you will receive a message that your Virtual Card is ready to go.
  • There is no need to activate the card, as this will be automatically done once you complete this step!

Click View my card to load funds and get started spending!

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What fees are associated with the Xapo Card?

Xapo's Virtual Card has no annual fee and no issue fee! While purchases made with merchants outside of the U.S. are subject to a foreign transaction fee, you can order and use your Virtual Card at no other costs to you.

Fee Type
Cost
Annual fee
FREE
Issue fee
FREE
Foreign Transaction fee
3%
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