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 I might be going the xapo route.
Not sure why I haven’t already. The idea of a bitcoin bank me nervous,
What is your experience? 
 It works fine, you simply load your account with bitcoin and use the card. I use it mostly to travel and forget about it.

Otherwise it is much better bitrefill as it is all without kyc and in most products or do not charge commission or even have discount. 
 Xapobank went crazy raising the annual fee from $150 to $1000 without any new services. 
 Damn 
 You just blew me away, I have no notification but indeed the next renewal is $1000.

I am going to cancel it tomorrow :(

Thank you so much for the heads up you saved me some money. 
 Xapo is a "service" neither for poor plebs, nor for real Bitcoiners. 
 That’s convenient for you to say.
I have no on ramps, no off ramps. I have a little bit of stack with my thumb up my ass.