I have two accounts within the same account if that makes sense,and a debit card for each one.There for emergency only so the fees are not that much of a problem.There just handy to have as a back up.I would recommend Xapo to anyone but you have to give your personal details and US citizens with US addresses cant get a debit card
How did you do that? Are those accounts linked together (shared balance)?
No I have an account with xapo in that account I can have sub accounts,maybe a hot wallet another one a cold wallet and I have a deep vault for long termstorage