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Text Content

We use cookies to give you better functionality and analytics. By clicking
Accept, you consent to our Cookie Policy, Legal Notice, Privacy Policy and
Website Terms of Use.

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COOKIE SETTINGS

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BITCOIN YOU
CAN BANK ON

From daily growth to using it anywhere,
do more with your Bitcoin.

Get started





+10 years
As a trusted custodian
29,000 BTC
Xapo BTC reserve in custody
+125
Countries supported
4.6
Apple App 
Store
4.5
Google Play 
Store


EFFORTLESS EARNING TAILORED TO YOU

Boost your wealth with 4.60% interest1 on USD and 1% on BTC, both earned in
satoshis with anytime access.

Or, diversify your portfolio effortlessly and invest in hundreds of leading U.S.
stocks and other crypto with the possible gains you make from Bitcoin.

Capital at risk.

Learn more



UNMATCHED SECURITY FOR YOUR PEACE OF MIND

We use cutting-edge MPC security across all storage options, from wallets to
savings to BTC Vault, complemented by trusted features like 2FA, biometrics, and
round-the-clock monitoring.

Learn more




CONVENIENT GLOBAL TRANSACTIONS WITH BITCOIN

Xapo Bank is like a passport for your money, enabling you to send, spend, and
receive Bitcoin worldwide. Or, simply switch to USD and transact in stablecoins,
EUR and GBP.

And with a global debit card, you can spend in BTC or traditional currency with
zero FX fees and, earn cashback5 in satoshis.

Learn more



YOUR BITCOIN AND U.S. DOLLARS ARE PROTECTED

Experience seamless interchangeability in the Xapo Bank app, swapping between
Bitcoin and US Dollars with ease wherever you are.

Your USD deposits are safeguarded up to the USD equivalent of EUR 100,000 by the
Gibraltar Deposit Guarantee scheme while our BTC reserves— one of the largest in
the world — offer unparalleled protection from Bitcoin losses4.

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ENJOY PERSONALISED SUPPORT, ANYWHERE

Our dedicated account managers are always here for you, ready to assist with any
questions and ensure you're fully supported. With Xapo Bank, you're never alone;
we've got your back, anytime you need help.

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JOIN XAPO BANK

The better way to secure, send, spend, save and grow your Bitcoin.


 * Hold a valid passport or an ID card
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 * You are 18 years or over

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BECOME A MEMBER ON YOUR TERMS

Take complete control of your Bitcoin and wealth from just USD 12.50/month
(billed annually) or enjoy the flexibility of month-to-month management for only
USD 14.99/month.
Annual
Monthly
USD 150 / year
USD 12,50 per month (20% Off)
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USD14.99 / month
Billed monthly on the last day of the month
Billed as one payment of USD 150 (20% Off)
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BANKING WITH BITCOIN, SIMPLIFIED

Ready to learn more about how you can grow your wealth and transact effortlessly
wherever you are?

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ADDRESS

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Casemates Square,
Gibraltar, GX11 1AA


MEMBER OF



Any translation of our website into any language other than English 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 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. To
check if U.S. Stocks is available in your country, please visit our Help Centre.

4 Capital at risk. This information is not investment advice. Crypto asset
values can go up as well as down and you could lose all the money you invest.
This is a high‑risk investment and you are not protected if it loses all or some
of its value. Past performance is not indicative of future results. Bitcoin
deposits are not covered by the Gibraltar Deposit Guarantee Scheme.

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

6 US $0.01 at the time of writing. Subject to change.

7 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 2024. All Rights Reserved.