Xapo Bank: Save in BTC & USD

Xapo

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

Ratings and reviews

Smooth onboarding. Very practical service. Let's see in the long run.

I'm tired of trying to prove my identity and addresses. I submitted all my documents and after a while they say your proof is incomplete. I don't really know what they need. These are obstacles to prevent you from accessing some of your assets.

best crypto wallet experience out there! absolutely love it!

What's new

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