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, it happens a lot with me. I just throw my card into the bin.
If Xapo is too problematic for you, you can always use other debit card provider
they havent replied to my emails since 3 month ago
I've decided just to contact my mobile phone cus. service and they sent me a new sim card with my old number attached to it
I instantly withdrawed my btc to my electrum wallet after that
