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I understand Xapo had somewhat a rough start and Shift is still in Beta. But is there anybody actually uses one of these cards? What are the fees, ease of use, limitations? Found old article on Shift and I can not think of any better way to mass adoption than this, except may be some upcoming universal wallets from BFL (Yes, I know, sorry) and CryptoLabs.

http://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/  (http://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/)

I don't use any of those 2.

As for the Xapo fees, you can find them here:

http://support.xapo.com/95219-What-fees-are-associated-with-the-Xapo-Debit-Card (http://support.xapo.com/95219-What-fees-are-associated-with-the-Xapo-Debit-Card)

There's also similar thread:

https://bitcointalk.org/index.php?topic=870233.0 (https://bitcointalk.org/index.php?topic=870233.0)

Thanks for the info P... Xapo fees do not look pretty at the moment but will probably come down in time with the wider adoption and increased competition. By the way, if there is any other crypto DC you are using do share your experience if possible. 

I don't use any bitcoin DC, I rather spend my bitcoins with the merchants that accept it.

There was a point when I considered getting Xapo (out of the pure curiosity), but the fee structure and the fact that the fees were higher than initially promised, put me off for now.

Xapo definitely needs to work on their PR game because not many in the ecosystem these days likely have a positive image of them. They got a lot of VC money and have seemingly not used it to make themselves occupy any significant useful space to corner the market like the likes of Coinbase or BitPay. I wonder how the vault side of their business is doing..

Agree. As far as I remember it all went downhill when they promised (or led people to believe) that there will be no fees and later introduced the fee structure that is far worse than most cc.

They should start repairing the PR by getting rid off the monthly service fees. Most will use Xapo as a back-up DC to be used once in a while, so being charged monthly, even if you didn't use it at all, will be seen as a massive rip-off.

I've been looking into Xapo. I don't think the fees are that bad, but I don't think they ship to the U.S. I would probably barely even use it, anyway, so I guess it doesn't matter.

Hi All,

For all the Debit Card that Xapo sent out they waived the fees for all users who got the card so I think they are honoring it.
They are no monthly fees or fees for swiping. You have the typical fees for spending overseas because of FX rates.

T

That's a great news. But if it's true why they haven't updated the fee schedule on their website?
When you google "xapo fees" you get this:

http://support.xapo.com/95219-What-fees-are-associated-with-the-Xapo-Debit-Card (http://support.xapo.com/95219-What-fees-are-associated-with-the-Xapo-Debit-Card)

Did they waived the fees only for the first customers, who complained to be mis-leaded?

wow i had never seen the fees on xapo card that is crazy. Is there any other place for people in USA where can get like debit card and can use bitcoin for real time purchases where it auto converts btc to cash

I just received my Xapo debit card and it works pretty well. It's funny to think that if I receive my wages (I can't since my employer is not in US) through https://www.bitwage.co/ to my Xapo bitcoin address I can literally be 100% functional in society with no bank account. I can even mitigate the risks of volatility with https://bitreserve.org/

My mind is kind of blown out.   

That's cool... So, what's the fees?

I'm paying a 3% fee for currency conversion since the debit card is USD and I'm located in Canada. That's all.

So, if you use your DC to buy goods at your local store you are still getting charged 3%? Do I understand this correctly?

Yes because I don't live in a country where they support the currency. Otherwise it's free.

Copy that K... Thanks!

No, i only use anonymous wallet service  :)
And their tax pretty high  >:(

I applied for the debit card a long time ago... Still pending...

Do I get this right, they only charge you a fee for CAD to USD conversion?
Are you sure there are no other fees/monthly service charge? How do they make a profit then?

Have they provided any updated fee structure?

When did you order the card? I know many people still waiting (months) for preordered cards.

I sent them an email asking what's going on with the card I ordered and they replied me telling me they will send me one. I received it in the mail 10 days later.

I'm pretty sure there are no other fees and I have no idea how they are making a profit.


Not that I am aware of.

About Xapo i think the fees are not so bad also there is no monthly fees or fees for swiping, so as you can see is a good chooise, btw you have the fee conversion 3% if im not wrong, but honestly, is not so bad compare to others.

Btw im reading that ppl are having some problems on his credits cards orders, i mean they delayed a lot, let hope nobody gets probems with it...

that is FREAKING AWESOME dude so even though you are in canada, the funds in the card are in USD is this correct? If it is correct is there some reason why it is not in Canadian dollars. Again let me say how cool it is, if i may ask how long did it take you to receive the card from when you order it. If you come to the USA are you able to use the card in the USA and IF you use the card in the USA will you have to pay the 3% conversion?

No. There is no funds in the card. All the funds are in bitcoin in my Xapo wallet. The way in works is this: when I swipe the card at a POS the bitcoins are automatically and instantly deducted from my Xapo wallet and converted in USD then in local cash (supported internationally) to my card then sent to the merchant. All this in about 5 sec. I even receive a message from Xapo on my phone that I just did a transaction with the card. This is pretty slick.


They only support USD, EUR and GBP at the moment if I remember right. Probably because it is less complicated to handle that way.


It took a while, like 2-3 month. I sent them an email recently to know what was going on with the card and they replied back telling me that I should receive it in 10 business days (which I did) warning me that the system is still in beta and might have some bugs.


Yes.


I don't think so. Unfortunately, I don't think they ship the card yet to US residents because of legal complications.  

This is him essentially using a "bank" (xapo) and whenever he uses his card he is essentially selling bitcoin.

I would much rather see a higher merchant adoption rate then more people using xapo

Xapo its not available for all countries

true i agree with what you are saying but this is still awsome it is a step in the right direction in my humble opinion i would say. I am sure as time passes more and more merchants will allow use of bitcoin asap it is just i am sure they affraid of having to wait for confirmations. Imagine being at walmart and having to wait for even 1 confirmations lol

Me too but I see this as a step in the right direction for consumers. Now I am willing to hold more bitcoins because they are literally more useful than fiat at this point. I can use bitcoins with my phone any time I want but if I can't, I can use the card. I can now make bitcoin a real lifestyle.

yes sir i agree with everything you said here and i really hope xapo succeds and implements tougher security for people who get temptep. I was going to ask are the cards branded visa or mastercard or anything like that and do they have your name printed on them in case merchant asks for name to match id?

Xapo is total JUNK!!!. Been waiting for their card for months, contacted their support several times, nothing.

These guys are much more professional and everything works fine.

https://anxbtc.com/

no im just use xapo for my wallet bitcoin

last time I checked anxbtc was just a lame prepaid card thad does not convert your btc in real time.

It is a My Choice Corporate card https://www.mychoicecorporate.com/ with a visa logo on it. And yes, my name is on the card.

thats it i so want one of this cards now lol. To bad i am in the USA i guess it is time to find me a address in canda to have card shipped to then to me in the States lol. Especially if it is in USD i guess i wont have to pay 3% conversion fee haha ;D

TO you and all on this forum happy holidays enjoy the time with family and friends. May the holidays bring everyone good stuff with good food and good drinks  :) posting this now as i know alot of people in areas where almost xmas  ;)

seems like no activity here either, i am trying to find somewhere where they speak of the Xapo debit card more actively that what goes on this forum seems like noone on here talks about it. I am trying to get card for people like me that live in the USA. Any links to where i can find active chats would be appreciated will post this on the Xapo forums i go to to increase odds of answer. If you want to send me private message that is ok to with any information 8)

Sorry D,

I know very little abut the subject, that's why I've started it.... To me Shift sounds more appealing from very little info I've managed to find, like possible integration with CoinBase. It appears nobody around here uses it.

ohhh what is shift i have never heard of it, but the fact you said possible integration with coinbase is perfect. That is what i have been looking for as number one solution but was going for Xapo as could not find anything like that. Can you post a link or something thanks  ;)  ;D  :)

https://shiftpayments.com (https://shiftpayments.com)

SWEET i checked them out seem to be good but seems they only beta testing and seems like people in certain area only. Also seems to be off riple protocol if i read correct

I believe this card supports integration with CoinBase, Ripple and Dwolla accounts... At least for now. Do not quote me on this though.

well i submit information just asked for name, email and country. Now i guess i have to wait for them to contact me whenever that may be hope it dont take forever

There's also FAQ on the bottom of the page:

https://shiftpayments.com/card/#/faq (https://shiftpayments.com/card/#/faq)

Couple of interesting things in there. Apparently they'll charge for issuing the card but there are no tx fees.

Unfortunately this one is no good for UK:


You cannot use it in the most popular 'chip and pin' devices, as they don't have neither chip or pin.

The Xapo debit card is the most awesome debit card in my physical wallet since I got one. I do not know any other company that provides the same service. Transactions are instant, no wait times and it takes funds from my btc wallet in realtime.

No. I was just using xapo wallet only. I have tried to order the debit card, but I didn't understand the process.

I don't really like Xapo Debit card. It seems a bad choice for me. I suggest ANX Debit card now. Their support is great and their service too.

There is 2 offers though I don't whether it is expired or not. Get A FREE ANX Premium Debit Card Now! (http://www.anxintl.com/campaigns/loadforfree) and Get a $1000USD Grand Prize from ANX (http://52afe6a974bb2.mailerlite.com/o6p8v7/449231381/q1j1/4694483907)

   ~~MZ~~

i seen anx card but the fees for each use do not seem good , i like no monthly fee but come on $1.25 for each transaction purchase at store is something else. Even prepaid normal visa or mastercards are not raping people like this.

i am glad you are enjoying the Xapo card sadly i am in the USA so can't have one shipped to me so it makes me mad. If i knew of a canadian mail forwading service i would put canadian address since no fees to us in the USA as funds are in USD

That would increase the fees I think.

https://i.imgur.com/UgYRaRn.png


Hmm... I will report this in the thread. Hope we get a good reply.

   ~~MZ~~

Hi DARKANGEL6415,

I am not sure where you read that about the fees on our card. There is no POS purchase free on any of our cards.
For our ANX Premium Card, the only fee there is is when you withdraw from an ATM.
https://anxbtc.com/pages/#/card-compare (https://anxbtc.com/pages/#/card-compare?utm_source=forum_referral&utm_medium=link&utm_campaign=marketing)

If you have any other questions, please don't hesitate to ask.
Have a Happy New Year.

ANX looks really good - wish it was US based service though. I'm just uneasy sending my coins to HK / China, probably just paranoid.

i am really glad you on here i wont ask private question i will just put it on here. So the card from ANX from what i seen has no fees except to take out money at atms is this correct. All purchases from online stores like amazon or at local stores like walmart or gas stations will NOT have any fees correct. There is also no cost to load the card is this also correct? If all the following are correct how does ANX make money to keep going? Also are the cards a visa or master card logo. In the mean time while this is answered i am trying to find where i seen fee comparison between Xapo and ANX. Also forgot to ask does the ANX cards ship to people in the usa and how long does it take and does the card come in our personal names? Is this card also allow you to spend in real time like Xapo card where it auto sells or do we have to do the work and how do we deposit into it cash, bitcoins other alt coins?

ok here is where i had seen about the fees for ANX card i made this in seperate " reply " so my above post still gets answered. https://www.cryptocoinsnews.com/ken-lo-ceo-anx-hong-kong-bitcoin-exchange-talks-bitcoin-debit-cards/ (https://www.cryptocoinsnews.com/ken-lo-ceo-anx-hong-kong-bitcoin-exchange-talks-bitcoin-debit-cards/)
also here is the ones for xapo http://www.coindesk.com/xapo-faces-online-backlash-debit-card-fees/ (http://www.coindesk.com/xapo-faces-online-backlash-debit-card-fees/)  thanks you i dont want to put anyone on the spot light i just want clear answer. Also what kind of regulation and protection do you all have for USA, thanks for answers and happy new year  :)

1. It is correct, there are no fees on the ANX Premium card, except for ATM withdrawals.
2. There are no fees on any POS/Online Purchases.
3. There are no card loading fees.
4. We aren't telling you :P
5. I believe that the ANX Premium card is a Mastercard card, but I am not 100% sure.
6. Yes, we ship our cards worldwide.
7. No, the card will only have "ANX" printed on it as its name.
8. Our card currently doesn't support the Xapo functionality to auto sell on purchase.
9. You can deposit Bitcoins onto your ANX (https://anxpro.com/?utm_source=forum_referral&utm_medium=link&utm_campaign=marketing) account, and then load it onto your card. The bitcoins will be exchanged into USD and then stored on your card.


That article is very old. You can find a new table with our current fees here (https://anxbtc.com/pages/#/card-compare?utm_source=forum_referral&utm_medium=link&utm_campaign=marketing).
For protection, your card comes with a PIN. I'm not sure how stuff like this works in the USA, but here in Europe you have to put in your PIN on every POS purchase.

perfect thank you for answering my questions. I am a little bit concerend as to the card not having a name on it is there a reason for this. I travel alot and use hotel services and fly alot / rent cars. How will i be able to use this card to book a hotel, get a plane ticket, or rent a car if there is no name on t they can match to my ID? I open account just now and submit verification after reading this answers and got message saying they will send me a code by mail? Is this mail coming from the USA or is it from somewhere else where we have to wait long time. I also see they offer free card if account is verified by January 31st 2015 but i see it only applies to the card that holds funds in HKD that would charge me $30 to use the ATM lol. Is there any was to get the Premium card without paying high shipping fees and what is the delivery speed between registered mail and expedited mail to the USA

1. I don't think there would be any problem with that.
2. It comes from our offices in Hong Kong, but the delivery speed is very quick. It should take less than a week.
3. I would suggest to simply get the HKD card and upgrade the shipping to get the ANX Premium card. You can also just get the ANX Premium card, load 0.9BTC, and we will give you the card cost back.

ok i will see what i can figure out cause noway i am dropping $300 0.9btc into something i have not tried out yet or see how will work for things like hotel rentals or airplane tickets.

You can try to ask the specific company in question. As far as I know, in the US, there are prepaid debit cards which don't have a name, and you can pay for Hotels and Airplane tickets with those, so there shouldn't be a problem.

i understand what you are saying but i stay at hilton hotels and i can tell you right off bat. They need a credit or debit card that has persons name on it to work / match id. Only exception they make is on company credit cards that have business name on them. As for airlines i am sure they might have issue but never know. Is there any reason why ANX will ask for verification information but not send cards out with peoples name they verify?

From what I understand only banks can issue debit cards with the customers name on it

The verification information is to make sure that you are an actual human, and to comply with  KYC/AML laws. We cannot issue cards with names printed on them because that would be far too costly, since we would have to personalize each card. We simply order a bunch of cards from our partners, and distribute them, which is why they only have "ANX" printed on them.
What you could try is to sign the card at the back, and then provide the same signature when you are paying.

Ok i will try this see if it works, maybe can offer customers option of hey if you want name printed on them you can order it but will cost money..... just saying

Thank you for your suggestion.

no problem anything that improves customer service / relations is good

so whats the good word going on with the Xapo Visa or Mastercard forgot what it was and on phone so not going to go back lol this phone to slow lol, but any word on us folks here in the USA getting cards shipped out to us anytime soon, i dont know how ANX Premium card can be shipped to USA in under 1 week from Hong Kong with no problem. I will post this same thing on other Xapo forums see where gets answer faster as not always so active  :)

well it went pretty quiet all in here, i guess people lost interest in this card or found something wrong with it apart from not sending to people in the usa  Cry  :'(  :'(  ???

Hey,

I tried to get a Xapo card but wasn't able to get "validated" by their process, odd...
I'm going to try an AMX card.

what do you mean it was not validated?

I GUESS the above person did not want to answer what they ment

I thought XAPO cards are not available for the US subscribers, not sure if that was the complaint... Unfortunately I hear very little on Coinbase / Shift debit card integration around here which I must admit I would jump on right away.

US subscriber?
do you mean non US subscriber?
since it is not available for me because i am not in US

I recommend https://e-coin.io EXCEPT the site went down a few days ago for ~24 hours.

To clarify, I'm a EU resident and I'm not sure why but my Xapo account couldn't pass their checks, here's the message I received:

I asked them to delete my account but I can still log into the site, not very professional.

On the other hand I ordered a debit card from https://anxbtc.com/ without any difficulties and I should receive it next week.
 

I can't find a physical address on their site, where are they based?
Do you have/use one of this card?

They have a thread on Bitcointalk, here, somewhere... search for "Bitcoin debit card" in the title.

I do have and use one. Have it linked to my PayPal and use it for paying server bills with BTC :)

Here is the e-coin.io thread:
https://bitcointalk.org/index.php?topic=917350.0

Bottom of first post contains some company and operator info. 
Admittedly, it looks a bit dodgy at first glance, a bunch of russians who incorporated in the UK using a bank in Gibraltar, but the guys have pretty solid credentials, they are using "mychoice" as visa provider, which seems to be a legit operation.

Anyway, Ive been using their card for a while too, and so far Im quite pleased with it and their service. Im just not ready yet to trust them with large amounts, but I wouldnt trust any visa prepaid card with that after the mbank fiasco.

yeah the xapo card sadly is not offered to people in the usa, that means i can't get it till i get a address in like canada or something lol, IF shift card and coinbase team up that would be huge and good for me as i already use coinbase  ;D

Finally found time to test my ANX debit card and it worked great.

Thanks!
Care to leave a review on our official thread?
https://bitcointalk.org/index.php?topic=425451.msg10792512#msg10792512

Yes, all dirty details please :-)

Bit-x.com just announced their BTC debit card, if anyone is interested. Got the following text message from them:

dam it i did not see this till just right now, and of course i am now one week late so i guess i will have to pay if i want to get this card. Does anyone know if they extended the deadline or is it better to just wait for new offers?

You can enter the giveaway for your chance to win 1 of 3 free cards here: https://bitcointalk.org/index.php?topic=1018534

Otherwise if you join the signature campaign and wear the Bit-X signature, you will be entitled to a free debit card! https://bitcointalk.org/index.php?topic=877765.0

ok thank you for the reply, i just checked out the link it seems some people are saying it is closed off so no new people can join at this moment for the signature campaign

Yep you just missed both unfortunately.

oh well i am sad to see i missed out but i am sure there will be chances in the future so i will keep my eye open and hopefully i will catch it next time it is offered, in any case keep up the good work