WTF?? Whenever i try to withdrawal cash from my Xapo debit card, ATM says not enough funds even tho i'm 1000% sure i got money in my xapo account and 100s of confirmations already?? This card only work occasionally so dont rely on it for your urgent withdrawals guys. It making me sick whenever i go to withdraw money and im already thinking to dump it 
Same here... Already tried more than 5 times, but all my transactions was declined with an error "Insufficient funds". My Xapo balance in many times exceed transaction value.