The freedom of a life Fuelled by Bitcoin
Xapo serves the full spectrum of Bitcoin wealth. We give those who want liquidity without losing exposure, and those building wealth, a path to grow their holdings.
Our home is One Grand Casemates Square, Gibraltar, where our team has safeguarded Bitcoin since 2013. Members are always welcome to walk through our doors and meet the people behind their bank.1
Get paid in Bitcoin on all your savings
USD, stablecoins, or Bitcoin: everything you hold earns, with returns paid daily in BTC. Deposit USDT or USDC and it converts to your protected USD balance automatically, ready to earn from day one.1,3
Deposit stablecoins, earn in Bitcoin Send USDT or USDC to your account with automatic conversion to USD. Your dollar balance earns 3.35% annual interest in USD Savings, paid daily in Bitcoin. USDC deposits on Ethereum convert 1:1 with zero additional fees.
Transparent, sustainable yield Xapo’s USD Savings account generates 3.35% variable interest paid daily in BTC. The yield source isn’t a mystery: your earnings come from conservative strategies built primarily around short-term US Treasury Bills. No high-risk lending or speculative trading involved. Your funds stay yours, fully liquid with no lock-ups.
A protected USD balance Your US Dollar balance is held with a fully regulated Gibraltar bank, protected by the Gibraltar Deposit Guarantee Scheme up to the USD equivalent of £120,000. The yield of a stablecoin strategy, with the protection of a bank deposit.
Bitcoin Savings Your Bitcoin earns BTC too. Receive 0.25% APY, paid daily. Low-risk by design: your Bitcoin is never lent out or put to work elsewhere. It simply grows, sat by sat, while you hold.
Consistent BTC growth for the long game
Invest Bitcoin to the BTC Credit Fund and earn up to 4% APY with considered risk and native BTC yield generated through careful lending to well-established counterparties with significant loss-absorbing capital. Compound your returns or take monthly payouts while keeping your principal intact.4
Borrow all you need in minutes
Don’t spend Bitcoin when you need cash
Xapo understands the value of keeping your long-term holdings intact, that’s why we give you instant liquidity, when you need it.5 Get a pre-approved loan and instant cash deposit with zero fees and flexible terms.
Exclusive Benefits, Only For Members
Dedicated Relationship Managers
Call your personal wealth partner anytime and enjoy the white-glove service your Bitcoin deserves.
Bitcoin-Powered Investments
Gain access to U.S. Stocks, ETFs and Altcoins in one app.
Global Sending & Spending
Transact instantly in major currencies, 24/7, across the globe with no FX fees.6
Designated Beneficiaries
Choose your Bitcoin beneficiaries, allocate the distribution, and let your legacy continue.
Unmatched Wealth Protection
Triple layered-security including underground vaults, MPC technology and tailored personal access.7
Activate idle capital
Market cycles come and go. Auto-convert stablecoins to USD when you deposit to Xapo. Your dollars earn 3.35% variable interest in USD Savings, paid daily in Bitcoin. No lock-in, and ready the moment you are.1,3
Peace of Mind for your Life Savings
Bitcoin Security Perfected Since 2013
At Xapo Bank, we ensure you are the only one who will ever have control over your wealth with three layers of Bitcoin security.1,7
Real Support When You Need it
Dedicated Relationship Manager
A personal relationship manager is always by your side to support any financial journey.
Around Since the Beginning
What Our Members Say
Real support, Whenever you need it
From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.
Dedicated relationship manager — Personalised support from your relationship manager.
24/7 assistance — Get help anytime through in-app chat or email.
Bitcoin expertise — Guidance from specialists who understand both banking and crypto.
