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

very poor customer service, contacted them with a query in chat and was told to send an email, agent then closed the chat immediately. also app doesn't work well. when u click on the verification link it takes u to xapo on google play. u need to spend $1000 to open an account, thats alot of money for the poor access to the app and poor customer service.

One of the worst banks I dealt with. They approved opening my account to receive freelance Motion Graphics payments if I provide verification when needed. After only few small transfers, they froze payments, demanded sender data, and even after I submitted invoices and proofs, they rejected and returned the money without consent. This caused financial loss, stress, and client issues. They refuse to admit their mistake despite approving first then reversing later.

I echo exactly what Pontus, Jalulu, Pulane, Diniz have said, they are absolutely spot on with their reviews. I personally couldn't say much more, and if I could it would be negative, certainly nothing positive, let's hope things change over time because if they don't they simply won't last (I don't care how deep the founders pockets are) other competitors coming into this market will easily attract their current clientele. edit: they haven't tried to contact me once as per their response