oof, xapo bank annual fee goes to USD$1000 after september

i think my next annual is like may or something but i suspect i won't want to use it at that fee rate, i'll be looking for other ramps i think

for 1k/pa i would expect 100% gratis metal card and under 2% exchange margin, i don't think that is the case... will be watching, not liking the idea of increased friction to use other banks but then again if i'm still in portugal by then i probably do want to have a local bank account