Please see the fee schedule below. The fees are different depending on the card’s spending currency (USD, EUR, GBP) you’ve selected when you ordered your card.


If you use your card for purchases in your card spending currency, no fees are charged. If the purchase is made in a currency that's different from your card's spending currency, a 3% Foreign Exchange fee is applied. ATM withdrawals always have a fixed fee. For the sake of clarity, if you withdraw cash in a currency different from your spending currency, both the 3% exchange fee and the ATM Withdrawal (in other currencies) fee are applied.

Because we value you as a customer and want you to experience the value of the Xapo Card, there’s no Annual Fee!