Shakepay Card vs Xapo Bank
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Xapo Bank ranks higher on the documented evidence (5.6/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Shakepay Card |  Xapo Bank | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | No direct BTC load | Direct BTC top-up (on-chain) + Lightning |
| Lightning funding | no | yes - loads the card |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 3% | 0% |
| Monthly fee | none | $83.33 |
| ATM fee | not documented | 2% |
| Cashback | 1% in BTC | none |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | $5000.0 | USD 50,000/day in-store and USD 50,000/day online; temporary raises up to USD 750,000 case-by-case via support |
| ATM daily limit | not documented | USD 2,000/day |
| Max load | not documented | not documented |
| Availability | ||
| Regions | CA | GLOBAL |
| Network | Visa | ? |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick Shakepay Card if
- Known fee stack (3.0 vs 16.7 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0)
Pick Xapo Bank if
- Lightning funding that actually loads the card
Shakepay Card
exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only
Xapo Bank
The only true bank in the comparison: a Gibraltar credit institution with deposit-insured USD, savings interest paid daily in BTC and worldwide card spending with no FX fees. The $1,000/year membership makes it a wealth product, not a spending card - it pays off for balances where the 3.35% yield outruns the fee.
More head-to-heads
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Compare any cards
FAQ
Which is better for privacy, Shakepay Card or Xapo Bank?
Both cards sit at the same KYC depth: Shakepay Card and Xapo Bank require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Shakepay Card: Not documented. Xapo Bank: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify