Lounge Terms and Conditions

• Mastercard Terms

• Xapo (Outside Europe) Bank Cardholder Agreement

• Xapo (Outside Europe) Card Benefits Terms & Conditions

• Visa Europe Debit Card Terms

• Visa Europe Privacy Policy

• Lounge Terms

• Benefits Terms

1. SCOPE

1.1 These terms and conditions (“Terms”), together with the Xapo Visa Card Terms or Mastercard Xapo Card Terms (as applicable) govern your use of Lounge Access. These Terms are supplemental to and must be read with your Xapo Bank Terms & Conditions which governs the entire relationship between you (“Customer”) and Xapo Bank when you open a Xapo Account with us.

1.2 Please read these Terms carefully before you start using Lounge Access. These Terms provide you with information on Lounges and how you may use them, what to do if there is an issue and other important information that is relevant to your use of Lounge Access.

1.3 This Agreement will commence with the Xapo Bank Benefits Terms and Conditions and will terminate in accordance with these Terms. 

1.4 As well as these Terms, general law applies to your use of Lounge Access, which may mean other rights and liabilities apply.

1.5 These Terms are supplied in English and shall be interpreted accordingly. Any translation of these Terms is for convenience purposes only. In the event of any conflict or inconsistency between the English version and a translated version, the English version shall prevail.

1.6 These Terms are available on our Website and in the Xapo App. You have the right to receive these Terms, upon request, at any time during the duration of this Agreement. This can be provided to you on paper or such other durable medium such as via email or via the Xapo Platform.

2. INTERPRETATION 

2.1 In this Agreement, certain capitalised terms and phrases used but not otherwise defined herein shall have the meaning given to them in the Xapo Bank Terms & Conditions, the Xapo Visa Card Terms and Mastercard Xapo Card Terms .

3. LOUNGE ACCESS

3.1 Xapo Bank may offer from time to time a worldwide airport lounge access program that gives you access to participating airport lounges, airport restaurants, spas and other retail offers (“Lounge Access”). Lounge Access is made available to you through the Xapo Card and/or Xapo App.

3.2 Xapo Bank will provide you with a membership for the Loungekey programme and one free Lounge Access per calendar year running from January 1st to December 31st every year. The free Lounge Access is only redeemable by you, the Xapo Card cardholder, not a guest and is valid for one visit to any of the participating airport lounges. Your Loungekey programme membership provides you, the Xapo Card cardholder, with the possibility to purchase more Lounge Accesses for yourself or a guest or guests.

3.3 Should you want to purchase more Lounge Accesses for yourself or a guest or guests you can do this at the participating lounge by paying for them with your Xapo Card. A single Lounge Access is valid for one visit for one person and is not transferable. You must ensure you have with you the required documentation such as your passport and same day travel documents such as your boarding pass in the name of the Lounge Access holder to avoid delays or having entry denied by the participating lounge.

3.4 Where you exercise your right to cancel your Xapo Account within the 14 day cooling off period from opening it, we will deduct from any applicable refund the cost of your annual free Lounge Access if you have already made use of it. If you have not yet used your Lounge Access you will not be entitled to a refund for it. We won’t charge you for using your Lounge Access if you cancel your Xapo Account after the expiry of the 14 day cooling off period.

3.5 When you agree to make use of a Lounge Access you are agreeing to our partner’s terms and conditions of use and of those lounges that you visit. Our partner is Loungekey and these are their terms. The terms of each of the lounges you visit can be found on Loungekey’s website.

3.6 Xapo Bank may at any time vary or update the price of Lounge Accesses. If we need to vary or update the price we will try to notify you in advance.

3.7 Any complaints or disputes that you may have in relation to Lounge Access or any questions relating to the service must be directed to our Customer Support team through the Xapo App or via our Website.

3.8 Lounge Access is provided by Loungekey, our third party partner. Xapo Bank cannot guarantee their amenities, products, services or policies or your entry or the availability of space at every participating lounge that has been listed on Loungekey.

3.9 Lounge Access is only available to holders of eligible Xapo Cards. Eligibility may vary depending on the type of card you hold and the region where your card was issued. Xapo Bank reserves the right to amend the list of eligible cards at any time.

4. TERMINATION

4.1 This Agreement will be terminated immediately upon the closure of your Xapo Account or the termination of your  Xapo Visa Card Terms or Mastercard Xapo Card Terms (as applicable).

4.2 We may terminate this Agreement at any time with or without notice to you. If we need to terminate this Agreement, we will try and notify you in advance.

4.3 Any termination of this Agreement will automatically cancel your access to Lounge Access.