Answer: In order to upgrade your Debit Card’s spending limits, we ask that you provide an official photo ID and a proof of residence in your name following the requirements below.Acceptable ID Driver's License, passport, or government issued ID ID requirements: Your photo Your full name Your full date of birth Issue date and/or expiry date Acceptable Proof of Residence Any utility bill, credit card bill, government issued ID card, or monthly bank statement Proof of Residence requirements: Your full name Your complete home address Statement/expiry date must be within the past 3 months Logo of company/bank must be visible No partial images accepted No PO Box addresses Document must be issued in Latin characters, or be translated Please upload your ID and proof of residence to this form.Documents that don’t fulfill the requirements will be rejected, and your card’s spending limits will not be upgraded.

Answer: All gas station purchases made with the Xapo Debit Card have an additional 'padding' charge (this is standard practice in the debit card industry).Xapo will hold on to a certain amount of funds (100 USD, 85 EUR, or 75 GBP depending on your card currency).Once Xapo receives the settlement information from the merchant (usually within 24-48 hours), this 'padding' is returned to your wallet!Answer: Debit card transactions that appear as ‘processing’ are authorizations that are on hold and waiting to be confirmed.Items that have been confirmed and settled are displayed with the status of “completed”, or “canceled”.Just as any other debit card, when you pay a merchant, you authorize the transaction amount by signing the receipt, introducing the card PIN, or by confirming the purchase online.When an authorization takes place, the purchase amount (in bitcoin) will be reserved and placed on hold from your Xapo main wallet.These authorizations will not be confirmed until Xapo receives and processes them.

For most merchant transactions, the merchant knows the exact amount of the transaction and asks you to authorize that amount.For example, if you buy $25.75 worth of groceries, the store would ask you to authorize a $25.75 charge or debit to your account.That amount would then appear as a processing transaction on your Xapo wallet until it is settled.In other cases, the original authorization amount may be different from the settlement amount, in which case your purchase amount will be updated when the transaction is closed from 'Processing' to 'Completed'.(As an example, please see Debit Card purchases at gas stations) Most transactions are settled within 1-3 days from authorization, but settlements can take up to 14 days.This means that occasionally canceling an authorization can take a few days until Xapo receives the settlement information.Answer: After you’ve received your Xapo Debit Card, you can activate it directly within your Xapo account by going to your debit settings and entering the last 4 digits of your card.

Once the card has been activated, you can also view the card PIN so you can start spending your bitcoin!Answer: Within your debit settings, you will find the ability to "pause" your Xapo Debit Card in case something happens to it and you'd like to protect your funds!When you pause your card, all debit card transactions will be declined.You can simply reactivate your card in the debit settings once you are ready to resume using the card.Keep in mind that only activated cards can be paused!bitcoin pool share difficultyAnswer: The Xapo Debit Card is exclusively a bitcoin debit card.bitcoin billionaire islandIt is connected directly with your Xapo personal wallet, which is held in bitcoin.bitcoin doge exchangeTo use the debit card at a store, online or to withdraw cash at an ATM, make sure that you have sufficient bitcoins in your Personal BTC Wallet.

To do so, you can: Send bitcoins.If you hold your bitcoins outside of Xapo, you can find your public wallet address right inside your Xapo personal wallet to transfer more bitcoin.Top up your account in your local currency by making money transfers or bank deposits - you will find options that are available for your country by clicking on “Add funds” after you login.Transfer funds to your Personal BTC Wallet.If you already hold funds in USD, EUR or other currencies inside your Xapo account, you can convert funds directly into bitcoin by transferring them to your Xapo personal wallet.Answer: The Xapo Debit Card can be linked directly to PayPal through their "Withdraw from Paypal" feature (if applicable in your country).However, please keep in mind the following: 1) As the Xapo Debit Card is exclusively a bitcoin debit card, when you use the "withdraw from PayPal" feature you are in effect purchasing bitcoins.Hence, the transaction will be treated as any standard bitcoin purchase via the Xapo platform, which means that corresponding commissions will be applied.

2) Paypal determines the currency of a card based on where it was dispatched from.The Xapo Debit Card is dispatched from Gibraltar, and Paypal will automatically set your card’s currency as GIP.In order to change this to the actual currency of your card (GPB, USD, or EUR), you will need to reach out to Paypal support and they will update your account.Answer: Once you have activated your Xapo Debit Card and retrieved the PIN, you can change this PIN at an ATM.However, not all ATMs offer this feature so the ability to change your Xapo Debit Card PIN will depend on the ATM.If the ATM provides you with a "settings" option, that would be a good way to start!Please keep in mind that our card issuer charges a small fee for changing your debit card PIN.Answer: Remember, your Xapo Debit Card is exclusively debited from your Xapo account in bitcoin.You must have sufficient funds in your BTC Main/Personal Wallet in order to use the card!A few tips: The Xapo Debit Card is only connected to your Xapo Main BTC Wallet.

Funds that you hold in additional Xapo wallets, or in the Vault, cannot be used with your card.If you have funds in any other wallets, those cannot be used with the Xapo Debit Card.If you’ve just recently transferred more bitcoin into your Xapo account from an external transaction, remember that we require a transaction to receive at least 6 confirmations before the funds are available to spend.When the status of a transaction has changed from "pending" to "confirmed", the funds will then be available-for-use.Make sure you have sufficient funds in your Xapo Personal Wallet by transferring funds from other wallets, or by adding more funds.Answer: Once you’ve confirmed the order for your Xapo Debit Card, it is not possible to change the currency of the card.However, if you have yet finish the process to order your card, you can still change the currency of your card before confirming the order!Answer: You can find the price Xapo uses to convert your debit card purchases into bitcoin within your debit card settings.

When you spend with your Debit Card, you can check the exact BTC Price that was applied to your transaction by going to your bitcoin wallet in Xapo, and clicking on the transaction detail.The Xapo Debit Card exchange rate maintains a slight difference to the exchange rates you'll find on popular bitcoin exchanges.The Debit Card bitcoin price is also different from the the bitcoin price you will see on Xapo when you buy bitcoins with Xapo - the price includes a spread which may occasionally allow Xapo to earn a small revenue based on this type of differential currency exchange.Answer: All transaction cancellations and refunds are automatically processed when Xapo receives the corresponding notice from the merchant.Most declines are processed in real-time, but some of these decline notices take 1-2 days to reach Xapo (not including weekends).Merchants can take up to 14 days to broadcast the refund into the payment network.For example, if you purchased a book on Amazon for $20, but then decided to return the item, Amazon will initiate the refund for $20.

Amazon’s refund notice must travel through the payment processing network, and the $20 will be returned to your Xapo wallet as soon as we receive the refund information.You will receive the refund in bitcoin.A small portion of refunds are still processed manually, and we process all pending refunds every 2 weeks.Answer: Declined transactions may at times first be debited from your main wallet, yet the funds are always returned to your wallet once the transaction has been settled.You can check the transaction status by looking at the transaction detail.If the status is still 'Pending' or 'Processing', it means that the purchase has not yet been settled.If the status is 'Canceled', the transactions has been declined and the funds returned to your wallet.You can read more about the settlement process here.Answer: These are the most common decline reasons for ATM withdrawals: You’re trying to withdraw more than your spending limits.Please always keep the Debit Card spending limits in mind.

You just recently sent bitcoins into your Xapo main wallet, but the funds have not yet been credited under your available balance.It takes at least 6 confirmations for all incoming bitcoin transfers from non-Xapo wallets before the funds are liberated for your use!You’re trying to withdraw more than 2 times within any 24-hour period.You’re only allowed to withdraw twice, so if you go to an ATM tonight at 9:00 PM, and get cash out for two separate withdrawals, you must wait until 9:00 PM tomorrow to use an ATM again.You're using an incorrect card PIN.Please go to your Debit Card settings  to view your card PIN.Answer: Your Xapo Debit Card - and its PIN - should be kept secure at all times!If your card is lost or stolen, please go to your Debit Card settings after accessing your Xapo account and pause the card.Remember that your Xapo Debit Card is only linked to your Main Wallet!As a precautionary step, you should move any bitcoins from your Main Wallet to an additional Xapo wallet or vault to make sure your card does not have any funds to consume.

 to order a new card!Answer: The Xapo Bitcoin Debit Card is a Visa card that you can use for your purchases in stores, online and to withdraw cash at ATMs - all of this directly in bitcoin.The card is accepted in billions of stores and ATMs around the world.The Xapo Card works just like any other debit card, but instead of drawing funds from your bank account, it debits purchases directly in bitcoin from your Xapo main wallet.The Xapo Debit Card is not a pre-paid card, so you do not need to pre-load cards with cash to make purchases.The Debit Card is only linked with your Xapo main wallet - never the Vault, or other additional wallets you may create on Xapo.We suggest that you keep the funds intended for your debit card usage in the main wallet, and all other bitcoins meant for daily spending in additional wallets.Long-term savings should be kept in the Vault.Xapo Debit Cards are offered in three different spending currencies: USD, EUR and GBP.You must select this base currency when you order your card, although all transactions are always debited in bitcoin.

You can order one card per Xapo account.The debit card is valid for 3 years.Answer: Once you’ve verified your Xapo account, these are the spending limits.If you are not verified, please upload your documents to this form.Residents of France are limited to a maximum ATM withdrawal limit of $1,000 per 30 days.Answer: 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.In addition, while we do not charge any monthly fees, there’s an Annual Fee.

However, because we value as a customer and want you to experience the value of the debit card, we waive the Annual Fee for your first year as a cardholder!Answer: To order your Xapo Debit Card, go to your main wallet and click on "Get Yours" on the upper left-hand side.If you cannot see this icon in your main wallet, unfortunately, we cannot issue cards in your country.Once you click on the button, you will be taken through a sequence of steps to complete your card order.Please note that you must have sufficient funds in bitcoin in your main wallet to complete your card order - remember to check the fee schedule.Standard card deliveries usually take about 10-15 days within Europe, and 20-35 days outside of Europe (depending on your local postal service).Expedited shipping (tracking ID included) is provided by DHL and takes a maximum of 7 days.Answer: We can ship the Xapo Debit Card to the following countries.Please note that this list may change from time to time.Åland Islands Albania Andorra Anguilla Antigua And Barbuda Argentina Armenia Aruba Australia Austria Bahamas Bahrain Barbados Belgium Belize Bermuda Bhutan Bosnia And Herzegovina Brazil Brunei Darussalam Bulgaria Canada Cayman Islands Chile China Colombia Costa Rica Croatia Curaçao Cyprus Czech Republic Denmark Dominica Dominican Republic Ecuador El Salvador Estonia Falkland Islands Faroe Islands Finland France French Guiana Georgia Germany Gibraltar Home Greece Greenland Grenada Guadeloupe Guatemala Guernsey Guyana Hong Kong Hungary Iceland Indonesia Ireland Isle Of Man Israel Italy Jamaica Japan Jersey Jordan Kazakhstan Korea, Republic of Kuwait Latvia Liechtenstein Lithuania Luxembourg Macedonia, The Former Yugoslav Republic Of Malaysia Maldives Malta Martinique Mauritius Mexico Moldova Monaco Mongolia Montenegro Morocco Nepal Netherlands New Zealand Nicaragua Norway Oman Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Réunion Island Romania Russian Federation Saint Kitts And Nevis Saint Lucia Saint Martin (French Part) Saint Vincent And The Grenadines San Marino Saudi Arabia Serbia Seychelles Singapore Sint Maarten (Dutch Part) Slovakia Slovenia Solomon Islands South Africa Spain Suriname Sweden Switzerland Taiwan Thailand Trinidad And Tobago Turkey Turks And Caicos Islands Ukraine United Arab Emirates United Kingdom Uruguay Virgin Islands, British Answer: Unfortunately, Xapo cannot issue nor ship the Xapo Debit Card to users who reside in the following countries: Afghanistan Algeria American Samoa Angola Antarctica Azerbaijan Bangladesh Belarus Benin Bolivia Bonaire, Sint Eustatius and Saba Botswana Bouvet Island British Indian Ocean Territory Burkina Faso Burundi Cambodia Cameroon Cape Verde Central African Republic Chad Christmas Island Cocos (Keeling) Islands Comoros Congo, Democratic Republic of the Congo, Republic of Cook Islands Cuba Djibouti East Timor Egypt Equatorial Guinea Eritrea Ethiopia Fiji French Polynesia French Southern Territories Gabon Gambia Ghana Guam Guinea Guinea-Bissau Haiti Heard Island And Mcdonald Islands Holy See (Vatican City State) Honduras India Iran Iraq Ivory Coast Kenya Kiribati Korea, Democratic People's Republic of Kosovo Kyrgyzstan Laos Lebanon Lesotho Liberia Libya Macao Madagascar Malawi Mali Marshall Islands Mauritania Mayotte Micronesia, Federated States Of Montserrat Mozambique Myanmar Namibia Nauru Netherlands Antilles New Caledonia Niger Nigeria Niue Norfolk Island Northern Mariana Islands Pakistan Palau Palestine Pitcairn Puerto Rico Rwanda Saint Barthélemy Saint Helena, Ascension And Tristan Da Cunha Saint Pierre And Miquelon Samoa Sao Tome And Principe Senegal Sierra Leone Somalia South Georgia And The South Sandwich Islands South Sudan Sri Lanka Sudan Svalbard And Jan Mayen Swaziland Syria Tajikistan Tanzania Togo Tokelau Tonga Tunisia Turkmenistan Tuvalu Uganda United States United States Minor Outlying Islands Uzbekistan Vanuatu Venezuela Vietnam Virgin Islands, U.s.

Wallis And Futuna Western Sahara Yemen Zambia Zimbabwe Answer: Xapo offers two types of delivery methods for your Xapo debit card.All cards are created and dispatched from our card issuer’s facilities 2-3 days after you have completed the order.Standard Delivery Your card will arrive in a standard envelope as a normal letter without any tracking information.The card will be sent via Royal Mail, which delivers to your country’s local post service, and is then completely dependent on the processing centers and postal service of your country.Xapo has no control over this type of delivery, and we are not responsible for any delays or cards lost in mail.Estimated Standard Delivery Times: Please know that average turnaround time for standard delivery depends on your location and local postal services.Estimated delivery times are: about 2 weeks or less within Europe; about 2 to 8 weeks for outside of Europe.If the card is not delivered within 55 days from when it was dispatched, we highly recommend that you cancel the existing card and order a new card with DHL tracking to guarantee a delivery.