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 experience here - it simply doesnt work if you need something even semi reliable. I tried maybe 30 time to use the card and only once was it successful and that was because the store I bought the small cheap item manually processed the payment in error. So the only time I got something was in fact due to an error of someone who worked at the online store.