WELCOME TO THE X WORLD WALLET, the new mobile banking solution for your money combining payments, loyalty, and exchange currency to maximize convenience and the value of your money with no application fees, credit checks, or interest charges.

“Better than my bank. I really like how X lets me decide when to cash in my points and when I do allow me to use them everywhere my cards work.”

“Solid features, amazing value. I was able to set up a bank account in less than 3 min. The ability to move across currencies without any fees or minimums is simply not possible with other bank accounts.”

“Bright idea for international travelers. I used to exchange local currency at the airport. This app saved me money on transaction fees and gave me a better rate vs the currency exchange at the airport.”

The X World Wallet is a multi-currency digital money account that automatically comes with a Visa debit card you can reload easily from your bank accounts to earn points at Visa merchants worldwide, and more.

WORLDWIDE ACCEPTANCE
Your X World Wallet Visa card is accepted everywhere, including online merchants and ATMs globally. In addition to using your X card in stores, you can also add it to your wallet on ApplePay, Google Pay, and Samsung Pay for tap n’ go purchases. Your X Wallet also comes with a virtual credit debit card you can use to shop online at merchants you don’t feel comfortable using your physical card.

SPEND AND EARN POINTS FOR CASH REWARDS
X rewards you everywhere you go, at home or abroad, then gives you the freedom to spend the points earned anywhere your X cards are accepted. Enjoy X Points on daily purchases, for booking travel, or simply referring someone to the club, and more.

- Earn 3X Points on Dining, Entertainment and Charitable Contribution Transactions.
- Earn 2X Points on Airlines and Hotel Purchases, Monthly Subscription Services, and at Select E-Commerce Sites and Rideshare Services such as Walmart.Com, Target.Com, Amazon.Com, Uber, Doordash, Hulu, Netflix, Spotify, and many others.
- Earn 1X Points on All Other Qualifying* Everyday Purchases.

REAL-TIME FOREIGN CURRENCY EXCHANGE
Using the X Wallet app you can lock in foreign exchange rates before you travel to avoid paying higher rates at the point of sale. Once you load your X Wallet with your home currency, you can then exchange money into any of the following foreign currencies:
- USD
- Euro
- Great British Pound
- Mexican Peso
- Canadian Dollar

* Please refer to X World Club Membership Agreement for definitions and earn rates for Qualifying Purchases that are within the categories of Dining, Entertainment, Charitable Contributions, Airlines, Hotels, Select E-Commerce Sites, Select Rideshare & Delivery Services, and Select Online Subscription Services. The earn rate is based on each US Dollar (or its equivalent) spent on such Qualifying Purchases.