Xapo Bank: Save in BTC & USD

Xapo

About this app

The only way to bank your Bitcoin

Access the future of banking with an all-in-one app that enables you to secure, transact, and grow your Bitcoin. We put financial freedom in your hands with unparalleled security for your holdings, effortless sending and spending, and unique earning opportunities including interest on your Bitcoin.

Security
As the world’s first fully licensed banking group to hold Bitcoin to banking standards, known as the Fort Knox of Bitcoin, we’ve mastered Bitcoin custody for over a decade. With over a decade of expertise in Bitcoin custody, we blend no-holdback security, including military-grade Swiss bunkers, cutting-edge digital protocols, and strict regulatory oversight. This comprehensive approach ensures your funds are always protected to the highest level.

Growth
Earn Bitcoin daily with interest on your savings for both BTC and USD, as well as cashback on your card spending. Simply watch your wealth grow in real time with daily interest payouts in SATs.

Access
Your funds are always right where you need them. Anytime. Anywhere. With just a few taps, you can transact in BTC instantly with the Lightning Network, transact USDC and USDT directly from your Xapo Bank US Dollar account with instant auto-conversions, or make payments in EUR, GBP, USD with some of the most efficient payment networks around.

Support
Are you tired of chatting with bots? We hear you. As a member, you’ll have a dedicated account manager who can guide you through our offerings and help with anything you need. Support is available seven days a week, and we welcome all our members to visit us in person at our Gibraltar headquarters.

Xapo Bank Limited is a company registered and incorporated in Gibraltar with company No. 111928. It 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.

Ratings and reviews

I was really just about to open an account as i thought it sounded good. It turns out it is too good to be true when it comes to fees $1000 a year for an account fee must be a record? I'm afraid that is way way too much for the average person so I'm out. You should really highlight this before people even start to make an application.

Great app and service, i used it recently on an a europa trip to pay flights and works great and fast, i only hope it include google Wallet Integration to use it for all my purchases without card. Also, i requested the plastic card and received it in 4 days in argentina, which is very impressive and loving the packaging :)

If I could get no star I will gladly use. The worse experience. I cannot have peace whenever a friend send me money no matter how little. Likewise if I want to transfer out. It will take for ever for them to so account review after providing every they required. I think there is no point of banking if it always have to be this complicated. They held my funds and this cost me significant increase in a flight ticket. I will never forgive you for that

What's new

We have made a few enhancements to improve your app experience.