Xapo Bank

826 reviews
Content rating
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About this app

Offering a competitive annual interest rate of 2% on USD deposits, Xapo Bank is all about financial security.

We offer one of the highest interest rates globally - 2% annual interest on USD holdings and 1% interest on Bitcoin holdings, all without a lock up period requirement. We empower you to safely grow your wealth, not only for today, but for the financial future you desire.

Xapo Bank bridges the gap between crypto and traditional banking services. Offering secure, seamless access to US Dollar and Bitcoin, the Xapo Bank app is your gateway to economic freedom. Manage your finances; send and receive global payments; buy, manage and hold Bitcoin.

The Xapo debit card gives you the freedom to make payments and withdraw funds globally. Enjoy an easy and exceptional experience, and earn up to 1.1% cashback on card transactions. Protected with multiple levels of authentication and transaction alerts.

Your fiat deposits with Xapo Bank are protected up to the US dollar equivalent of €100,000 by the Gibraltar Deposit Guarantee Scheme. Xapo also holds one of the largest Bitcoin reserves in the world and liquid assets, all of which provide an additional layer of protection to our members.

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. It is regulated by the Gibraltar Financial Services Commission under the Financial Services (Distributed Ledger Technology Providers) Regulations 2020 with permission to provide distributed ledger technology services as a DLT Provider under Permission Licence No. FSC1359B.
Updated on
Sep 26, 2022

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
826 reviews
Rafael Perez Andujar
September 6, 2022
Great store of value app and mean of payments,company and bank 🤑.Safe haven,easy to use and top of the line staff with a supreme high degree of professionals. Fully recommendable👍. Easiest way to earn interest on Bitcoin with a high degree of security.The banking side is simple to use and very straight forward.10 out of 10 no doubt!!! Love to be a Xapien!!!
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September 6, 2022
Thank you so much for your stars Rafael! We are glad to know that you are enjoying the Xapo Bank experience and we would love to hear more about this at talktous@xapo.com. Have a great day!
Sandeep Gupta
September 21, 2022
Amazing app. Error-free bitcoin transactions. Most needed app for bitcoin and us dollars transactions across world.
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Zita Rabek
August 26, 2021
Since upgrading, I can no longer directly access my account. Every time I want to log in, this annoying screen pops up telling me that this app is no longer available and it asks if I want to install the app. I have to click yes. It takes me to the playstore site, where I may click open (because I have installed it already). Only then it asks me for my fingerprint verification and allows me to get in! What a stupid way of opening an installed app! I expect more!
16 people found this review helpful
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August 28, 2021
We're sorry that your experience hasn't been the best one. Please contact us at support@xapo.com so we can clear out your doubts. Thank you very much in advance! - The Xapo Team.

What's new

If required, you can now enter details of an intermediary bank when withdrawing USD.

We have improved how you interact with your account manager, and made it easier for you to identify new chat messages. We have also enhanced the look-and-feel of your interest screen.

When onboarding, new users receive more detailed guidance for selfie and passport submission.