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How do I load funds onto my card?

Loading your Virtual Card is easy! Once you have added funds into your spending account, you can load your card through the Xapo app. The amount of funds you'd like to load onto your card will automatically convert from the BTC in your account into USD, so you'll always know exactly how much you have and can spend on your card.

You can load funds onto the Xapo Card using the Xapo app (Android or iPhone) or a web browser.

Select an option to continue:

How to load funds onto the Xapo Card using the Xapo app (Android)

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

  • Select the Cards tab.
  • Tap Load to proceed.

2. Select the account you would like to load funds from.

  • If you have multiple spending accounts, you can tap your balance to switch accounts.
  • Tap Next to continue.

3. Enter the amount you would like to load.

  • You can toggle between the USD amount to be loaded onto your card or the BTC amount to be debited from your account.
  • The current conversion rate will be displayed on the screen.
  • Once you are ready, tap Confirm to continue.

4. As soon as the card load is approved, you're good to go!

  • On the summary screen, you will see the following:
  • Most loads take within 5 to 10 minutes to complete. In some cases, this wait time may be longer depending on the amount of the load and/or your history with Xapo.

How to load funds onto the Xapo Card using the Xapo app (iPhone)

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

  • Select the Cards tab.
  • Tap Load to proceed.

2. Select the account you would like to load funds from.

  • If you have multiple spending accounts, you can tap your balance to switch accounts.
  • Tap Next to continue.

3. Enter the amount you would like to load.

  • You can toggle between the USD amount to be loaded onto your card or the BTC amount to be debited from your account.
  • The current conversion rate will be displayed on the screen.
  • Once you are ready, tap Confirm to continue.

4. As soon as the card load is approved, you're good to go!

  • Most loads take within 5 to 10 minutes to complete. In some cases, this wait time may be longer depending on the amount of the load and/or your history with Xapo.

How to load funds onto the Xapo Card using a web browser

1. Log in to your Xapo account.

  • Select the Cards tab.
  • Click Load to proceed.

2. Select the account you would like to load funds from.

  • If you have multiple spending accounts, you can click your balance to switch accounts.
  • Click Next to continue.

3. Enter the amount you would like to load.

  • You can toggle between the USD amount to be loaded onto your card or the BTC amount to be debited from your account.
  • The current conversion rate will be displayed on the screen.
  • Once you are ready, click Confirm to continue.

4. Confirm your transaction on the Xapo app.

  • Transactions initiated on a web browser require approval on your mobile app. A notification will be sent to your phone to confirm the transaction.
  • If you have not received the notification, you can click Send again.

Most card loads take within 5 to 10 minutes to complete. In some cases, this wait time may be longer depending on the amount of the load and/or your history with Xapo.

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