Anybody here uses Shift or Xapo debit card?

[vm_mpn]

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/

[pawel7777]

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

There's also similar thread:

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

[vm_mpn]

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

There's also similar thread:

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. 

[pawel7777]

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.

[Chef Ramsay]

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..

[pawel7777]

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.

[btcton]

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.

[tibux]

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

[pawel7777]

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

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

[DARKANGEL6415]

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

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

[knight22]

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.   

[vm_mpn]

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?

[knight22]

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.

[vm_mpn]

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?

[knight22]

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.

[vm_mpn]

Copy that K... Thanks!

[bornil267645]

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

[pawel7777]

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

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?

[BITMIXER.IO]

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.   

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

[knight22]

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.   

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.