Questions people
actually ask.
Straight answers. No corporate fluff.
Download the app or visit our website. Complete KYC verification with a valid ID and proof of address. Most accounts are approved within 24 hours.
Government-issued photo ID (passport, national ID, or driver's license) and proof of address (utility bill or bank statement from the last 3 months).
No. One account per person. This is required for compliance.
You can delete your account in the app via Profile > Delete Account, or by emailing contact@thexbank.io. Your login is permanently disabled, profile data is anonymized, and all sessions are ended. Some data may be retained for legal compliance. See our full account deletion policy at delete-account
Four tiers: Virtual ($25), Plastic ($300), Metal ($1,000), and Gold ($10,000). All lifetime pricing. No monthly or annual fees.
One-time. You pay once and the card is yours for life. No subscriptions. No renewals.
Yes. Pay the difference between your current tier and the new tier. Your cashback rate upgrades immediately.
Virtual cards support Apple Pay and Google Pay. Physical cards support Google Pay only.
Anywhere Visa is accepted — online and offline, in 150+ countries.
Deposit fee from 1.8% on card top-ups (2.6% Virtual/Plastic, 2.4% Metal, 1.8% Gold). 0.6% forex per international transaction. $0 monthly. $0 annual. That's every fee we charge.
No. Every fee is published on our website. The fee page shows every charge you'll ever encounter.
$2.50 domestic, $3.50 international. Daily limits: Plastic $1,000, Metal $1,500, Gold $3,000.
No. BTC cashback is uncapped at every tier. 0.05% (Virtual) to 0.4% (Gold). No monthly limit. No fine print.
Shop at partner brands (Apple, Nike, Spotify, Zara, and more) and get 1–9% off depending on your card tier. Discounts are applied automatically.
BTC cashback is credited to your account within 24 hours of each transaction.
Yes. TXBFI holds a VASP license and operates in compliance with EU and Czech AML regulations.
BTC, SOL, SUI, XRP, XLM, USDT, USDC. Cross-chain swaps with no gas or bridging fees.
Multi-signature cold storage for the majority of funds. Hot wallet for immediate spending only.