A banking solution for the
Bitcoin era
More secure than a hardware wallet. Easier than an exchange
Stop hopping between apps to transact
Send and receive BTC, stablecoins, and traditional currency from one account
Invest in what matters
to you
Tailor your portfolio with curated crypto and top U.S. stocks3 from anywhere
Trusted by thousands of
Bitcoiners worldwide
The first bank that bridges crypto with traditional banking
10 years of experience pioneering digital asset security for your BTC
Become a member from wherever you are in the world
My Xapo Bank card has been useful while I’ve been traveling. I can spend USD converted to Euros with no markup, and can withdraw cash from an
ATM with no additional fees. It’s also simple and easy for me to send my stablecoins to my Xapo account.
Xapo for me is a place I can trust. It’s Bitcoin centric which says a lot.
Herminio, Mexico
The fact that Xapo Bank operates as a fully regulated financial institution in Gibraltar, complete with a robust Deposit Guarantee Scheme, speaks volumes about its commitment to security and customer trust. It's the kind of assurance that allows me to confidently entrust my wealth with them.
German, Spain
It's the only bank I know that allows me to invest in USD and crypto.
Felipe, Mexico
The app is better than 99% of bank apps out there. The yield handily beats major protocols like Aave and Compound, and on top of that it’s insured. It’s the indispensable one-of-a-kind gateway between crypto and fiat I need.
Prathan, Thailand
Xapo Bank Mastercard is one of the best cards in the market. 1% reward in BTC on all spending. Good conversion rates for foreign currencies.
I think Xapo Bank's systems are impressive. And the fees to transfer stablecoins are good.
Tony, Dubai
Xapo Bank is the only choice for me. No other bank is accessible to non-EU and non-US citizens regarding the ability to spend stablecoins.
Being able to send and redeem USDC/USDT at zero spread is a big selling point for me.
Thomas, Hong Kong
I was looking for a way to transfer my stablecoin into a bank, earn yield and spend it while earning cashback.
Xapo does that and gives me the best net exchange rate.
Sandeep, Singapore
The Fort Knox of Bitcoin
A decade of experience
Join the community that has trusted us to protect their crypto journey for more than 10 years
Daily growth
Waiting for the market to move? Earn up to 0.56% annual interest1 on your BTC, that's paid out daily.
BTC vault
Keep your Bitcoin safe for the long haul in our BTC Vault, with extra layers of security that you control
Simplified access to all of
your assets
A portfolio ?tailored to you
so you can blend it with US Dollars, Bitcoin, and curated crypto
*Capital at risk
Turn savings into wealth
with 0.56% annual interest1 on BTC, and 4.7% annual interest1 on USD with anytime access
Get paid in
stablecoins
and start spending straightaway as they're automatically converted into USD for you
pay in a flash
with the power of the Lightning Network for faster payments and lower fees
Invest in U.S. stocks from anywhere
and start with as little as USD 10 to buy and sell whole or fractional stocks
*Capital at risk
Travel stress-free
with a global MasterCard ©? or VISA ©? debit card that doesn’t add unwanted FX fees
pricing Plans
