Thanx for letting me know. Xapo is not a bank within the EU and works with swift. For direct transfers revolut is under integrity check status with the Dutch central bank and works with local card payments and online payments Ideal. This is not the case for xapo unfortunately. https://www.dnb.nl/openbaar-register/registerdetailpagina/?registerCode=WFTKF&relationNumber=R183723
Discussion
Hum, I think Xapo works within the EU. See this news: https://thedigitalbanker.com/xapo-bank-launches-euro-payment-rails-expanding-integrated-offering-for-crypto-and-retail-banking/