Xapo is a multi-currency digital wallet, debit card, and bitcoin vault company, providing you with a way to spend, pay, and transfer your funds worldwide, all from your mobile device.

Some Features:

• Spending accounts & vaults are enabled with multi-user access to spend, pay, save, or store your money.
• Various options (in partnership with numerous banks, financial institutions, and processing companies) to add & withdraw money.
• Global currency exchanges (and bitcoin): You get access to every global currency in the world by exchanging your U.S. Dollars for Euros, or Argentine Pesos for Japanese Yen. You also have access to exchanging your money for bitcoin.
• Payments to anyone across the world using either your money or bitcoin.
• Xapo Card: The Xapo Card is a prepaid VISA card that loads funds directly from your bitcoins, which you can either buy or transfer into your account. The card comes in both virtual and plastic form, allowing you to spend your money easily all across the world, and comes free of charge once you apply.
• Safety & security: Xapo uses top-notch security measures such as deep-cold storage, second-factor authentication, and high-end risk measures to ensure that your money is always kept safe.

Fees:

• Creating a Xapo account is free with access to all of Xapo’s features and products
• Any transactions made within Xapo, whether it be an exchange, transfer, or payment, will always be free.
• Any transactions to add money, withdraw money, or make a payment to an external account will be subject to processing fees, but you will only pay the amount charged by the processing company.