The San Antonio Spurs Affinity Debit Card will be available soon.

Join X World Wallet today to start enjoying its great benefits. We'll automatically upgrade you to the San Antonio Spurs Card and ship it as soon as it's ready.

WIN a VIP experience to the Final

Just download the app and sign up for an X World Wallet Account. 

Official Debit Card of LEAGUES CUP

Change Your Money. Change THE GAME.

NO PURCHASE NECESSARY. Open 7/21/23-7/31/23. 18+, US only. See Official Rules at Sponsor: Netspend.

X Visa debit card and iPhone device showing the X World Wallet App

Get More With
The X World Wallet

Your spend anywhere, get more,
and help the planet companion.

X Visa debit card and iPhone device showing the X World Wallet App

X Wallet

Built to get the most out of your money

Debit Card

Use it Anywhere Visa is Accepted.

Your Visa debit card comes with chip and pin security.


Interest Charges


Conversion Fees


Bank Transfers Fees


Credit Check

Shop Global. Pay Local.

Exchange currencies in real time, anytime.

Exchange App Module

Link to Your Digital Wallets.

The fastest and easiest way to pay and earn XPoints.

Send Money. Instantly.

Send money fast to other X Wallet users anytime.

X Points

Earn X points fast, and spend them anywhere your card is accepted

You earn X Points for Qualifying Purchases and Qualifying Transactions. Please refer to the X World Club Membership Agreement for a details on how to earn and redeem X Points.

Earn 3x Points

On Dining & Entertainment Purchases*

and Charitable Contributions*

Earn 2x Points

on Amazon & Apple Purchases

On select ECommerce Rideshare & Delivery Services

on Select Online Subscription Services

Earn 1x Points

On All Other Everyday Qualifying Purchases*

*Please refer to X World Club Membership Agreement for definitions and earn rates for Qualifying Purchases that are within the categories of Dining, Entertainment, Charitable Contributions, Airlines, Hotels, Select E-Commerce Sites, Select Rideshare & Delivery Services, and Select Online Subscription Services. The earn rate is based on each US Dollar (or its equivalent) spent on such Qualifying Purchase.

Refer a Friend and Get

1,000 Points

Simply refer each of your friends to register for their own X Account and complete their first foreign currency transfer, and get 1,000 X Points automatically for each friend referred.

Load and Earn

25,000 X Points

All new X World Wallet users have the opportunity to get 25,000 X Points when transferring at least $5,000USD into a foreign currency wallet within the first 90 days of account opening.

Redeem Your X Points Instantly for Money.

Once converted you can use the funds at merchants & ATMs worldwide.

X Cares

Let’s contribute to solving some of the world’s biggest issues.

RoundUp for Climate Change.

With each purchase you make we will automatically round-up to the nearest dollar and donate that amount to climate change initiatives.

Apple Pay

No hidden fees

Getting Started

X World Club Membership Monthly Fee

$3.00 per month, assessed at the end of the Billing Cycle, waived for accounts that load $500 or more to their account during the Billing Cycle.  

This fee is subject to change and is a third-party fee and not applied by the Bank. Please see your X World Club Agreement for the latest World Club fee information.

Supplementary Cards
(requires minimum balance of $100)


Stop Payment Requests


Spend Money



Point of Sale Transactions (Online / Offline)



Lost / Stolen Card Replacement


Insufficient Funds, Overdraft, and/or Recovery Fees

We, however, reserve the right to recover any and all of our losses and expenses resulting from fraudulent or your unauthorized use of the account. See Section 5 for more information.

Initial Card Order
(requires minimum load of $25)


Inactivity Fee

0.5% of Available Balance, with $3 min. / month starting after 12 months of no Transaction Activity or upon date of Account closure or suspension by us for Good Reason.

Debit Card Loads

1.5% with $3 min.

Currency Conversion Fee, and Foreign Transaction Fees

Applicable FX Rate applies. Please refer to Section 6 for more information on Foreign Currency Transactions.

Credit Card Loads

1.5% with $3min.
(note that your card issuer may restrict these transactions, and/or add additional surcharges)

Cash Withdrawals

Bank Transfers (ACH)


Add Money

ATM withdrawals (domestic & international)


(The ATM operator may charge a separate fee.)