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Bitcoin you
can bank on

From daily growth to using it anywhere,
do more with your Bitcoin.

+10 years
As a trusted custodian
29,000 BTC
Xapo BTC reserve in custody
+125
Countries supported
4.6
Apple App 
Store
4.5
Google Play 
Store
The world’s first crypto-native bank
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Effortless earning tailored to you

Boost your wealth with 0% interest1 on USD and 0% on BTC, both earned in satoshis with anytime access.

Or, diversify your portfolio effortlessly and invest in hundreds of leading U.S. stocks and other crypto with the possible gains you make from Bitcoin.

Capital at risk.

Unmatched security for your peace of mind

We use cutting-edge MPC security across all storage options, from wallets to savings to BTC Vault, complemented by trusted features like 2FA, biometrics, and round-the-clock monitoring.

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Convenient global transactions with Bitcoin

Xapo Bank is like a passport for your money, enabling you to send, spend, and receive Bitcoin worldwide. Or, simply switch to USD and transact in stablecoins, EUR and GBP.

And with a global debit card, you can spend in BTC or traditional currency with zero FX fees and, earn cashback5 in satoshis.

Your Bitcoin and U.S. Dollars are protected

Experience seamless interchangeability in the Xapo Bank app, swapping between Bitcoin and US Dollars with ease wherever you are.

Your USD deposits are safeguarded up to the USD equivalent of EUR 100,000 by the Gibraltar Deposit Guarantee scheme while our BTC reserves— one of the largest in the world — offer unparalleled protection from Bitcoin losses4.

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The world’s first crypto-native bank

Enjoy personalised support, anywhere

Our dedicated account managers are always here for you, ready to assist with any questions and ensure you're fully supported. With Xapo Bank, you're never alone; we've got your back, anytime you need help.

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Join Xapo Bank

The better way to secure, send, spend, save and grow your Bitcoin.

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    Hold a valid passport or an ID card
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    Bank with your Bitcoin, USD 150/year
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    You are 18 years or over
Stablecoin simplicity

Become a member on your terms

Take complete control of your Bitcoin and wealth from just USD 12.50/month (billed annually) or enjoy the flexibility of month-to-month management for only USD 14.99/month.
USD 150 / year
USD 12,50 per month (20% Off)
USD14.99 / month
Billed monthly on the last day of the month
Billed as one payment of USD 150 (20% Off)
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Banking with Bitcoin, simplified

Ready to learn more about how you can grow your wealth and transact effortlessly wherever you are?

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