Spend

Spend multi-currency balances with global debit cards.

Order physical and virtual cards linked directly to your XEBT multi-currency wallet. Spend at millions of merchants worldwide with automatic conversion at mid-market rates.

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Not a bank deposit: Digital asset and stablecoin holdings are not deposits and are not protected by statutory deposit insurance schemes (such as FDIC, FSCS, or statutory deposit guarantees).

Spending Limits

Card Spending and Withdrawal Limits

Transparent transaction ceilings and tier thresholds based on account verification status.

Daily Contactless / POS

$5,000.00 USD per 24-hour cycle. Standard daily purchase limit for physical and virtual card transactions.

Monthly Total Spend

$20,000.00 USD calendar month. Combined online and point-of-sale spending ceiling.

ATM Cash Withdrawal

$1,000.00 USD per 24-hour cycle. Daily ATM limit with worldwide cash access.

How It Works

How Card Spending Works

Three simple steps to execute transactions inside your XEBT account.

01

Issue a virtual card in seconds

Generate a virtual debit card inside the app in seconds and add it to Apple Pay or Google Wallet immediately.

Virtual cards are free with rapid digital delivery

02

Order physical card for travel

Request a physical contactless card delivered to your address for worldwide ATM access and point-of-sale terminal payments.

Standard or express international shipping

03

Smart auto-conversion at checkout

The card automatically debits the local transaction currency from your matching balance or converts at transparent wholesale rates.

Zero foreign transaction fee surcharge

Transparent Pricing

Card Pricing and Transaction Costs

Transparent fee breakdown with zero hidden charges or variable spreads. Transparent card issuance and operation costs with zero hidden foreign exchange markup.

Card Pricing and Transaction Costs — All fees and settlement speeds are transparently disclosed before authorization.
Category / Operation Cost / Pricing Settlement Speed Notes
Virtual Card Issuance
 Free (0.00 USD) Immediate Up to 5 active virtual cards
First Physical Card
 Free (0.00 USD) 3-5 business days delivery Standard shipping included
FX Markup on Foreign Spend
 0.0% (Wholesale mid-market) Real-time at point of sale No weekend or holiday surcharges
ATM Withdrawals (Up to $400/mo)
 Free (0.00 USD) Immediate 2% fee on amounts exceeding $400/mo
Global Coverage

Worldwide Acceptance

Currently Supported

✓ Accepted at over 90 million merchants worldwide (Visa/Mastercard network)
✓ Apple Pay and Google Pay digital wallet integration
✓ Over 2 million ATMs globally across 200+ countries
✓ Online subscription and recurring billing compatibility
✓ Real-time transaction notifications and real-time in-app freeze/unfreeze

Upcoming Rail Expansions

→ Metal card edition for business accounts
→ Custom multi-user corporate card controls
Ready to Spend?

Ready to spend with XEBT?

Open your multi-currency account in minutes and get access to local clearing rails worldwide.

Start an account