Xapo Bank: Save in BTC & USD

3.6
1.96K reviews
100K+
Downloads
Content rating
Everyone
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About this app

The first banking app in the world to give access to US dollar and Bitcoin accounts, and integrate with USDC. Earn competitive annual interest* on your US Dollar deposits and Bitcoin holdings, paid daily, with no staking or exposure to the crypto market involved.

FULLY REGULATED BANK
Licensed and regulated by the Gibraltar Financial Services Commission. From our headquarters in Gibraltar, Xapo Bank operates to the same high global standards as other licensed banks in the United Kingdom and Europe.

EARN ANNUAL INTEREST*
We offer annual interest* on US dollar deposits and Bitcoin holdings, paid out every day in satoshis and with no lock up requirement. Grow your wealth in satoshis while you sleep.

FUND YOUR US DOLLAR ACCOUNT IN MULTIPLE WAYS
Receive GBP via Faster Payments, EUR via SEPA; receive USDC and USDT, which is instantly converted to USD. Using the funds in your USD account, you can also send BTC, GBP, EUR, USDT, and USDC.

INSTANT, LOW-FEE BITCOIN PAYMENTS
Bring Bitcoin use to your everyday life, with lightning-fast Bitcoin payments on the Lightning Network.

METAL DEBIT CARD WITH UP TO 1.1% CASHBACK
The Xapo Bank metal card is as exclusive as you are. Make payments globally; earn up to 1.1% cashback on card transactions; enjoy zero foreign exchange markups on payments in other currencies. Protected with multiple levels of authentication and transaction alerts.

TRUSTWORTHY WEALTH PROTECTION
Your fiat deposits with Xapo Bank are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. We also hold liquid assets and one of the largest Bitcoin reserves in the world, giving you an additional layer of protection.
Our headquarters are in Gibraltar, one of the most trusted financial jurisdictions in the world, and we render our services through two fully regulated entities: Xapo Bank and Xapo VASP.

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.

*To view Xapo Bank’s current annual interest rates on US Dollars and Bitcoin, please visit https://customersupport.xapo.com/en_us/do-my-usd-and-btc-funds-in-savings-generate-interest-BywpQyOln
Updated on
Feb 28, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.6
1.9K reviews
Yaron Martin
February 19, 2024
Smooth onboarding. Very practical service. Let's see in the long run.
2 people found this review helpful
Did you find this helpful?
Xapo
February 21, 2024
We're glad to hear you had a smooth onboarding experience! For any questions or assistance along the way, feel free to explore our in-app resources. Enjoy saving with Xapo Bank!
Derek Hendricks
January 12, 2024
Great Experience. Quick responses. My questions were answered quickly and accurately. Well Don't to Yvonne
4 people found this review helpful
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Xapo
January 15, 2024
Thank you for your positive review! We're glad to hear that you had a great experience with our app and that our customer support team. We appreciate your feedback!
zashi yama
January 14, 2024
Terrible enrolling experience. Also for a bitcoin bank, this is definitely the opposite, they ask you everything, even your employer. Thats a big no for me, 1 star.
6 people found this review helpful
Did you find this helpful?
Xapo
January 15, 2024
We apologize for any inconvenience you experienced during the enrollment process. We appreciate your feedback and would like to assure you that we value your privacy and the information we collect is for security purposes. If you have any further concerns, please contact us at talktous@xapo.com.

What's new

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