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Welcome to Xapo Bank

Xapo Bank is a fully regulated bank based in Gibraltar. By entering our website
you acknowledge that you have read our Legal Notice and approached us entirely
out of your own initiative.

Enter


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and accessing our website, you're agreeing to our use of cookies, our Privacy
Policy and Website Terms of Use. Check our Cookie Policy for more details.

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COOKIE PREFERENCES

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Banking services

US Dollar account

Bitcoin account

Global card

Dedicated account manager

Wealth

U.S. Stocks

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About

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Apply for membership







OPEN A US DOLLAR ACCOUNT FROM ANYWHERE

One secure banking app

Become a member


Get 30 days for free, then $ 14.99 /month


MANAGE
BITCOIN
SECURELY

One secure banking app

Become a member



TRANSACT STABLECOINS TO FIAT

One secure banking app

Become a member

Slide 2 of 3.





WE’RE A BITCOIN-ENABLED BANK

Grow and protect your wealth with a secure US Dollar account, and make
blockchain transactions with stablecoins from anywhere.

High annual interest on USD and BTC with daily payouts
Instant stablecoins conversions to and from US Dollars
No lock-ups with 24/7 access to funds
Fully licensed and regulated bank
Open account



EARN AN EASY 4.1% ANNUAL INTEREST ON YOUR SAVINGS

Why wait? Access your wealth anytime, anywhere, with no lock-ups while you earn
4.1% annual interest that’s paid out daily. It’s an effortless way to protect
and grow your savings.

Make a deposit




EARN 1% ANNUAL INTEREST ON YOUR BITCOIN, PAID DAILY

Don’t wait for the market to move — earn 1% interest on your Bitcoin and store
it securely with peace of mind in one of the largest BTC reserves in the world.

Grow your Bitcoin



ACCESS YOUR SAVINGS WITHOUT RESTRICTIONS

Your money, your terms. We believe you should have on-demand access to it at any
time and from anywhere, with no lock-in periods or hidden fees.




FAST AND SECURE CONNECTION TO THE FIAT WORLD

We automatically convert your…


USDC and USDT stablecoins

British Pounds and Euros


… into US Dollars securely, quickly, and affordably

Learn how




HOW YOUR WEALTH IS PROTECTED

Regulated by the Gibraltar Financial Services Commission

USD 100,000 deposits guaranteed

Fully licensed and regulated bank

We don’t lend your money out
Secure your wealth

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GET 1.1% CASHBACK

A global Xapo Bank debit card to make payments and withdraw funds from anywhere.

Earn 1.1% cashback every time you use your card.

Earn while you spend



PRICING PLANS

Annual
Monthly
Enjoy a 30-day free trial, then
USD 12.50 / month
Billed as one payment of USD 150 (20% Off)
Open your account

Enjoy a 30-day free trial, then
USD14.99 / month
Billed as one payment of USD 150 (20% Off)
Open your account


what our members say


XAPO BANK IMPROVING LIVES EVERY DAY



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 BRIDGE BETWEEN
BITCOIN, US DOLLARS, AND STABLECOINS

Become a member



DISCOVER

About

Careers

Help Centre

Contact

Fees



LEGAL

Privacy Policy

Cookie Policy

Legal Notice

Website Terms of Use

Referral Policy

Responsible Disclosure



COMMUNITY

Blog

Podcast

Twitter

Facebook

Instagram

LinkedIn

Youtube



ADDRESS

One Grand
Casemates Square,
Gibraltar, GX11 1AA


MEMBER OF



1 The Annual Interest Rate offered on both USD and Bitcoin deposits is variable
and may change at any time. Interest on both is currently paid in Satoshis. We
may instead choose to pay it in any other supported currency or currencies (fiat
and/or crypto) from time to time. For more information visit our Help Centre.

2 Eligible fiat deposits are protected by the Gibraltar Deposit Guarantee Scheme
up to a maximum of the US Dollar equivalent of EUR 100,000 (subject to
prevailing exchange rates on the compensation date).

3

Capital at risk. This information is not investment advice. Security values can
go up as well as down. Past performance is not indicative of future results.
Crypto assets are high risk and can lose all their value. To check if U.S.
Stocks is available in your country, please visit our Help Centre.

4 The Xapo Card can be used globally, use these links to read more detailed info
on ATM card acceptance and  withdrawals, and card cashback

5 US $0.001 at the time of writing. Subject to change.

6 Interest on Bitcoin deposits will only be paid on balances of 5 BTC or less.
For more information visit our Help Centre.

Xapo Bank Limited is a company registered and incorporated in Gibraltar with
company No. 111928. Xapo Bank Limited is regulated by the Gibraltar Financial
Services Commission under the Financial Services Act 2019 as a ‘credit
institution’ under Permission No. 23171. Xapo VASP Limited is a company
registered and incorporated in Gibraltar with company No. 118088 and regulated
by the Gibraltar Financial Services Commission under the Financial Services Act
2019 as a ‘DLT institution’ under Permission No. 26061.

© Xapo Holdings Limited 2023. All Rights Reserved.