i got the same problem with e-coin :p .. my card with 310$ but i can't withdraw from atms .. try to check ur pin card by phone maybe ur card cancelled like my card
Well, This is not the pin problem, i was using the xapo card since a year already, same card same kind of transactions same pin code, beside when that should be a pin error, then the funds should not be debited from my account in the first place.
Here it is very clear, transaction get declined for no reason, xapo deposit your account, at the end your have no money + a debit in your account. A Total Scam !!